Waterstone Wealth Advisors, LLC

Waterstone Wealth Advisors provides fee-only investment advisory services and, when requested, standalone financial planning and consulting to individuals, high-net-worth clients, business entities, pension and profit-sharing plans, and charitable organizations. Services are offered on a discretionary or non-discretionary basis and fees are billed as a percentage of assets under management.

The firm allocates client assets primarily among open-end mutual funds, ETFs and individual equities and uses fundamental, technical and cyclical analysis across long-term, short-term and trading strategies, with ongoing portfolio monitoring and cash treated as an asset class. Waterstone may recommend mutual funds available only through registered advisers (including Dimensional Fund Advisors), generally recommends custodians such as Schwab or Fidelity, and uses account aggregation software to incorporate outside assets into reporting.

Compared with many independent advisers, Waterstone’s explicit inclusion of charitable organizations and pension/profit-sharing plans among its client base is less common among peers. The firm also maintains a cautious approach to digital assets—advising on cryptocurrency exposure through ETFs or separate managers but not exercising discretionary authority to purchase cryptocurrencies—and retains proxy-voting responsibility only for certain legacy Fidelity accounts.