Business Details
Your Trusted Partner for Financial Planning Solutions
At Waterstone Wealth Advisors, we specialize in transforming complex financial decisions into clear, actionable strategies tailored to each client's unique goals. Our approach centers on fiduciary responsibility, ensuring every recommendation prioritizes your financial well-being. With decades of combined experience in wealth management, we provide personalized financial planning and investment management grounded in Nobel Prize-winning research. Our team collaborates with tax and estate professionals to address complex needs while maintaining transparency through fee-only compensation. We serve busy professionals, pre-retirees, and retirees, offering ongoing guidance to navigate life's financial challenges.Our commitment to continuous portfolio monitoring and annual financial plan updates ensures clients remain aligned with their objectives. By eliminating product sales conflicts, we focus solely on delivering objective advice that withstands market fluctuations. Our process begins with comprehensive goal assessment, followed by customized roadmap creation and implementation support. This structured methodology has earned us long-term relationships built on trust and measurable outcomes. As a firm, we uphold the highest ethical standards, adhering to regulatory requirements while maintaining client confidentiality through secure digital platforms.
Services
Financial Planning
Wealth Management
Investment Management
Retirement Planning
College Planning
Tax Strategies
Estate Review
Portfolio Management
Cash Flow Analysis
Beneficiary Designations
Highlights and features
- We operate as fiduciary advisors with no product sales conflicts
- Our fee-only compensation model ensures objective recommendations
- We implement Nobel Prize-winning research in portfolio management
- We provide annual financial plan updates with progress benchmarking
- Our team coordinates with tax and estate professionals for comprehensive solutions
Associations and certifications
- CFP
What people say
Transparent fee structure
Personalized approach
Knowledgeable advisors
Annual progress updates
Tax-efficient strategies
Services
Financial Planning
Our financial planning service creates personalized roadmaps for achieving life goals through strategic money management. We analyze cash flow, debt, insurance, and investment portfolios to develop comprehensive strategies. Clients receive annual updates and progress tracking to maintain financial alignment.
Investment Management
Professional portfolio management combines Nobel Prize research with low-cost index funds for optimal growth. We implement tax-aware strategies and quarterly rebalancing to maintain risk parameters. Performance reporting benchmarks results against individual financial plans.
Retirement Planning
Specialized retirement planning addresses income sustainability and tax efficiency during career transitions. We model various withdrawal scenarios and coordinate with estate attorneys to ensure seamless asset transfer. Regular reviews adapt strategies to changing market conditions.
College Planning
College planning services optimize education savings through 529 plans and other tax-advantaged vehicles. We analyze financial aid implications while balancing retirement savings priorities. Implementation assistance ensures timely funding of educational goals.
Tax Strategies
Tax strategy development focuses on minimizing lifetime tax liabilities through coordinated investment and estate planning. We implement tax-loss harvesting techniques and analyze income tax implications of investment decisions. Annual reviews adapt to changing regulations.
People
John Moynihan
Managing Member
Certified Financial Planner with 25+ years experience guiding clients through complex financial decisions. Specializes in fiduciary wealth management and tax-efficient investment strategies. Committed to objective advice with no product sales conflicts.
Questions
What services do you offer?
We provide financial planning, investment management, retirement planning, college funding strategies, and tax-efficient investment solutions tailored to individual client needs.
How are you compensated?
We operate on a fee-only basis through monthly subscription plans and asset-based investment management fees with no product commissions or sales incentives.
What is your investment approach?
Our strategy uses Nobel Prize-winning research with low-cost index funds, tax-aware management, and quarterly portfolio rebalancing to maintain target allocations.
Do you work with out-of-state clients?
While based in New Jersey, we serve clients nationwide through virtual consultations and secure digital communication platforms.
What is your minimum account size?
Our investment management services require a $3,000 annual fee minimum, while financial planning starts at $3,000 per engagement.
How often do you review portfolios?
We provide quarterly performance reports and annual comprehensive financial plan updates with ongoing support available throughout the year.
