Our Services

How We Are Different?

In addition to working with more than 50 million dollars in assets*, Ken and Melanie are frequent contributors to national news media such as CNBC's PowerLunch, FOX Business, The Wall Street Journal Online, and The Tulsa World. They offer a Middle America voice of reason in volatile economic times.

They understand the meaning of being "independent" and the potential advantages that has for their clients. Working through LPL Financial, the nation's largest independent broker-dealer, they are able to bring to their clients the breadth of all that is offered in the market place as well as the assurance that there is no downward pressure or incentives to make certain investment recommendations. They are able to make independent recommendations that are selected for the sole purpose of being in the client's best interest.

With many consultants throughout the country, the predominate philosophy of managing assets is the old "buy and hold" approach. Ken and Melanie believe that this approach is outdated. Waterstone uses what they have called the "Grow. Preserve. Protect. Strategy." This strategy is tactical and strategic in nature. While still utilizing basic tools such as diversification and allocation, they also monitor over 600 variables on each investment in their accounts. These variables include but are not limited to tracking support and resistance levels, legal insider trading activity, and 7, 14, 21 day moving averages.

At any given time, they are monitoring investments for different market environments and risks. Using hedging strategies, the goal is to reduce risk and volatility while protecting capital to deploy in opportunistic situations.

*Includes brokerage and advisory assets. Melanie offers advisory services through LPL Financial. There is no guarantee any investment objective will be met.

No strategy ensures a profit or protects against loss. Investing involves risk including possible loss of principal.

Retirement Planning*

Retirement. Enjoying more of life's pleasures is what the retirement years should be about. Having a steady source of income during retirement years is comforting. At Waterstone, our goal is to provide the investor with a variety of options to help work toward retirement goals. These include:

No matter what your financial goals are, the financial professionals at Waterstone help you invest with confidence and trust. We use a balanced investment strategy, so that no matter what your retirement goals are – travel, special once-in-a-lifetime purchase or just relaxing with family and friends – you will have confidence in your investment strategy during your retirement years.

*Interest income may be subject to the alternative minimum tax. Federally tax-free but other state and local taxes may apply.

Managed Accounts and Advisory Services
through LPL Financial.

In today's fast-paced world, investors are often left to fend for themselves, without the advice or guidance of a professional who truly understands their financial situation, their goals and their dreams.

Your investment team shares your desire for a long-term relationship, understands your changing needs and – with advice, not just products – can help you manage your investment strategy.

With Managed Money and Advisory Services through LPL Financial, you'll enjoy investing with information and professional assistance to help you make decisions. We will help to manage your hard-earned money, with an investment team who uses sophisticated tools to help you work toward your long-term financial goals.

The Waterstone team can provide you the comfort of knowing you have a clear, long-range plan in place and the support of dedicated investment professionals helping you pursue your objectives.

Small Business Financial Planning*

Financial planning is more than reporting quarterly or annual numbers. It starts with budgeting, setting practical assumptions and understanding how cash flow and credit influence your operation.

At Waterstone, that's what we help you do – understand your numbers from a holistic standpoint, taking into account your short-term needs and long-term goals. Small business financial planning is working to make sure everyone is speaking the same language, and that managers and business owners are getting the high-level reports that they need to make critical business decisions.

You'll also have the extra comfort that comes with having direct access to your own personal advisor, who will focus on your specific small business financial planning needs. This is just one of the ways that the professionals at Waterstone Private Wealth Management may be different from the rest.

Services Offered:

*Financial planning is offered through LPL Financial

Estate Planning

Passing your wealth on to your heirs through your estate requires more than just a will, especially if your goal is to protect your assets from estate taxes.

Our primary concern is your family's long-term interests, and our experienced team can work with you to determine whether a trust is the best option for your family. We will partner with you and will consult with your attorney and tax advisor to develop a customized Estate Plan that works toward your needs and concerns.

Planning your estate means:

  1. Talking to family members now to decide how to handle your financial and medical affairs if you become incapable of making your own decisions.
  2. Working with an attorney now. Draw up a will or establish a trust that will distribute your property according to your wishes after you die.
  3. Making other important decisions now. That way, your loved ones won't be confused or burdened with financial troubles when you can no longer provide for them.

401 (k) Rollovers

If you have left a job and have a 401k with your former employer, we can take the required steps on your behalf to get your funds put into your own account. Our efficient, long-term approach is ideal for retirement planning. We carefully research each investment to help you pursue your long-term goals. A simple 401(k) rollover can expand your investment opportunities and can be done without taking a taxable distribution or incurring penalties.

We can offer you information and insight on your choices. We can help create a portfolio that is right for you based on your specific situation. The Waterstone team has the experience and knowledge to help you roll over your employer-sponsored retirement account assets and determine which investments best fit your investment approach.

When you leave your employer, you will need to decide what do to with the money you have accumulated in your employer's 401k, 403b, 457 or other retirement plan. For some investors this may represent a sizeable investment. As a result, it is crucial to make an informed decision.

Insurance

At Waterstone we offer customized portfolio development and management that is tailored to a variety of insurance lines. We work in partnership with you to fully understa nd your growth expectations.

We are committed to a disciplined investment management strategy of investing in quality assets combined with a consistent long-term approach. Our methodology demonstrates that our perspective helps our clients pursue their goals. We understand your family and financial situations so that we can help you with strategies that are suitable for your needs.

Insurance products and services:

Your insurance portfolio should let you protect and enjoy what you've earned during your lifetime and help preserve wealth for future generations. If you need insurance for estate, or financial planning, business or personal protection, we will help create a plan, then provide convenient access to the coverages you need.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Securities offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency), member FINRA / SIPC. Investment advisory services offered through CWM, LLC, an SEC Registered Investment Advisor. Cetera Advisor Networks LLC is under separate ownership from any other named entity.
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