Watershed Wealth

Watershed Wealth Management provides investment advisory, financial planning, and retirement plan consulting to individuals, high‑net‑worth clients, charitable organizations, corporations, and employer‑sponsored retirement plans. Its services include discretionary and non‑discretionary managed accounts, portfolio management, and tailored financial planning and retirement plan design and monitoring.

The firm tailors advice to clients’ objectives, risk tolerance and time horizon and emphasizes asset allocation and portfolio construction implemented through direct management and referrals to outside managers as appropriate. Accounts are reviewed at least quarterly, client investment restrictions can be accommodated in writing, and Watershed uses custodial and technology platforms such as Betterment at Work, Charles Schwab, and Altruist for execution and administration.

Notably, Watershed provides portfolio management and consulting to employer‑sponsored retirement plans and other institutional clients, leveraging the Betterment at Work ecosystem (including Betterment for Business and Betterment Securities) for recordkeeping, participant management, and co‑fiduciary support. The firm’s principal holds the CFP® credential, is licensed to place insurance products through third‑party platforms (including access to DPL’s commission‑free annuity offerings with disclosed revenue‑based compensation only when a client elects those services), and the firm conducts vendor due diligence that explicitly addresses artificial intelligence and machine‑learning risks in service providers.