Watershed Wealth Planning LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$31,169,998
Clients
47
4% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
47
HighAverage account size
$663,191
About
Watershed Wealth Planning serves individual and high-net-worth clients through a fee-only advisory model that emphasizes ongoing financial planning memberships, project-based flat-fee planning, and optional investment advisory services. The firm provides portfolio management primarily through third-party (outside) managers and custodial platforms, and covers comprehensive planning topics including retirement, tax strategies, employee benefits, and estate planning.
The firm’s investment approach centers on goal-based financial planning and an asset-class, index-focused strategy that uses diversified index mutual funds, ETFs and institutional passive funds, with active outside managers used selectively. Investment management is frequently delivered on a non-discretionary basis and, for planning members, investment advisory services are often optional or coordinated with the client’s retainer, leaving final trading authority with clients more often than is typical for peers.
As of December 31, 2025 the firm reported $31.17 million in assets under advisement, including $17.77 million non-discretionary versus $13.40 million discretionary—a predominance of non-discretionary assets that is uncommon among independent firms. The brochure also notes reliance on custodial/advisory platforms (including Betterment and AssetMark) that provide institutional fund access and practice-support services (and associated trading policies), and discloses the principal’s prior legal training as part of the firm’s background.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
College savings (529s, UTMA, etc.)
Cash flow / budgeting
General estate planning guidance
General retirement planning
Wealth management
Fee options
Flat fee for comprehensive financial plans typically between $2,000 and $5,000.
$0 - $1,000,000: 0.80% annually $1,000,001 - $5,000,000: 0.75% annually $5,000,001+: 0.50% annually
Project-based consulting or stand-alone financial plans charged hourly or flat fee basis; hourly rates not specifically stated.
Monthly or quarterly retainer fees typically ranging from $2,400 to $10,000 annually, plus onboarding fees $500 to $3,000.
Account minimum: $100,000 for Donor Advised Funds; no minimum for other services Fee-only: Financial planning membership fees and investment advisory fees; no commissions received.
Main office location
Watershed Wealth Planning LLC
7972 Se 13 Th Ave, Suite 102
Portland OR 97202, United States
Number of offices
1
Most active in
Watershed Wealth Planning LLC has reported serving >5 clients in these states in the last 12 months.
Oregon
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")