Waterford Financial Management, LLC

Waterford serves primarily private individuals with tax‑qualified retirement accounts and fully taxable accounts, providing ongoing discretionary investment management and financial planning; it also offers stand‑alone planning and project‑based consulting. The firm periodically provides consulting to employers with defined‑contribution plans and offers limited tax‑preparation services for relatively simple returns.

Operating as a fiduciary, Waterford uses five standardized risk‑rated portfolios (1–5) as the starting point for client allocations while allowing customization when client circumstances or plan limitations require deviations. Portfolios can include exposure to as many as 13 asset classes, blend active and passive funds, and may include individual securities when needed for tax control or specific exposure; tactical allocations are reviewed quarterly and individual-stock selection relies in part on intrinsic valuation techniques such as discounted cash flow analysis.

Compared with many solo independent advisers, Waterford’s willingness to provide pension/defined‑contribution consulting, implementation services, and basic tax work is a distinguishing feature. The firm’s senior adviser holds both CFA and CFP credentials, and the practice documents policies on ethics, trade aggregation, and personal trading approvals while favoring gradual implementation of large lump‑sum investments.