Watters Financial Services, LLC provides wealth management which combines investment management and on-going and comprehensive financial planning (with quarterly reviews) as well as business retirement plan consulting. We are an independent firm; not affiliated with any investment firm, bank or insurance company. We do not sell investment products or insurance policies. We do not receive commissions. Fees received come directly from the client. The combination of our independence and Fee-Only compensation enables us to give our clients advice that is objective and unbiased.

Being a Registered Investment Advisor (RIA) we are legally required to uphold a Fiduciary Standard of Care, which means we must always act in good faith and in the best interests of the client. Full disclosure is required and provided in our ADV Brochure which you can download from this website.

You will work with Timothy Watters, CFP® and Colin Watters, CFP® who are CERTIFIED FINANCIAL PLANNER ™ Professionals. Non-fiduciary financial advisors, brokers, registered representatives, investment consultants are only required to provide advice and sell products that they deem "suitable" to the client. Those products and services may not always be the best or most cost effective. They are also not required to disclose compensation or conflicts of interest.

For over 35 years our mission has been to deliver customized plans, superior personalized service, expertise and advice designed to reduce risk, grow wealth, protect assets, and manage income and taxes. Let us show you how our strategies will help you accomplish your goals and give you peace of mind.


Who We Serve

We are proud of the clients we serve. Our clients are honest people who have worked hard to achieve prosperity in life. Most of our clients’ hail from the New York metro area yet some are located elsewhere. In total we provide wealth management services to more than 100 clients.

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Why Choose WFS?

We believe that when selecting a financial advisor the essentials that must be considered are independence, Fiduciary standard of care, trust, expertise and personal attention.

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The Client Experience

Our average client tenure is 15 years. Some clients have been with us 28 years and many are multi-generational. A client survey conducted by an independent third party...

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Frequently Asked Questions

How are you compensated? Do you have a minimum? What does it mean to be a Fiduciary? What is a CERTIFIED FINANCIAL PLANNER ™? What is a Registered Investment Advisor? What will the Firm Brochure tell me?

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Our Services


Wealth Management

Many Advisors speak of “Wealth Management” when actually their service is limited to managing investments. WFS truly provides Wealth Management by combining investment management with comprehensive and on-going financial planning.

Portfolio Review

Get to know us with a one-time portfolio review for new clients. This service provides another perspective on your existing investment portfolio.

Employer Retirement Plans

We advise in the selection, design, monitoring, implementation and managing of employer retirement plans. We monitor the expenses and provide education to the employees.

Investment Philosophy

When it comes to investing, our approach is very methodical and leaves little room for emotions. Our investment strategies are based on a well-diversified, disciplined, objective and risk/reward approach designed to get the desired results.

Meet the Team

Click Here to view our Brochure

Additional information, including management fees and expenses, is provided on our Form ADV Part 2 available upon request or at the SEC’s Investment Adviser Public Disclosure website https://adviserinfo.sec.gov/ Past performance is not a guarantee of future results.