Contact Me at 813-484-7877
Financial Decisions Shouldn't Keep You Up At Night
Too many choices, too much confusion? With endless investment options, retirement strategies, and wealth management plans, it’s hard to know what’s right for you.
Hidden fees and biased advice? Not here. Many advisors earn commissions on what they sell. As a fee-only advisor, I provide transparent, unbiased guidance that puts your best interests first.
No clear path forward? Without a well-structured plan, financial security feels uncertain, leaving you worried about the future.
Your Financial Future Is In Good Hands
At Water Street Wealth, you get more than just financial advice—you get a trusted partner dedicated to your long-term success. As a fee-only advisor, I provide transparent, personalized guidance tailored to your unique goals. Together, we’ll build a strategy that gives you clarity, confidence, and control over your financial future.
Fee-Only. Fiduciary
As a fee-only Registered Investment Advisor headquartered in Tampa, Florida, I operate under a transparent compensation model. This means that my only source of income comes from the fees you pay for my services. I do not earn commissions from selling products, which minimizes conflicts of interest and ensures that my recommendations are always in your best interest.
Personalized. Planned. Proven.
You are not just another client but an individual with distinct goals and aspirations. I take the time to understand your specific financial situation, allowing us to create a customized strategy that aligns with your objectives. With over two decades of experience in the financial services industry, I bring a wealth of knowledge to help you navigate the complexities of investing and financial planning. My background includes roles at leading firms, equipping me with insights that benefit you directly. I believe in empowering you with knowledge and support. Throughout our relationship, I will provide guidance and education to help you make informed decisions about your finances, ensuring you feel confident every step of the way.
Expertise. Ethics. Excellence.
As a CERTIFIED FINANCIAL PLANNER™, I adhere to strict ethical standards, ensuring that my recommendations prioritize your best interests. You can trust that my focus is solely on helping you achieve your financial goals. Whether you’re planning for retirement, managing investments, or facing life changes like divorce, I offer a full range of services designed to meet your needs. My holistic approach considers all aspects of your financial life. In addition, as an independent advisor, I can tailor solutions specifically for you without any corporate constraints. This allows me to focus entirely on building a trusting relationship based on integrity and transparency.
I Understand That Navigating Your Financial Future Can Feel Overwhelming
Between market uncertainty, complex investment decisions, and the pressure to secure your family’s future, it’s easy to feel stuck or unsure of the next step. You’ve worked hard for your money—you deserve a clear, trustworthy plan backed by a CERTIFIED FINANCIAL PLANNER™ professional.
As a CFP®, I adhere to the highest standards of integrity, expertise, and fiduciary responsibility.
With a trusted advisor by your side, you can move forward with confidence and peace of mind.
Frequently Asked Questions
I am a fee-only advisor, which means I don't sell financial products. Water Street Wealth Management charges you a quarterly fee based on your assets. You can check illustratively the fees that you will be charged in my form ADV. Fees are negotiable.
Yes. As a fiduciary, I am legally and ethically required to act in your best interest at all times, ensuring transparent, conflict-free advice.
A fee-only financial advisor is a professional who is compensated solely by their clients, rather than earning commissions from selling financial products. This structure eliminates conflicts of interest, ensuring that the advice provided is objective, transparent, and always in the client’s best interest.
I conduct quarterly portfolio reviews in person or over video conferences. I also send you regular updates on markets and initiate contact if there are changes necessary to your portfolio or financial plans. In addition, you can reach out to me at any time if you have any questions.
I conduct quarterly portfolio reviews in person or over video conferences. I also send you regular updates on markets and initiate contact if changes are necessary to your portfolio or financial plans. In addition, you can contact me at any time if you have any questions. jeff@waterstreetwealth.com.
Your assets are securely held at Charles Schwab, the largest and most trusted financial custodian.
I begin with an in-depth discussion about your financial goals, risk tolerance, and investment needs. Your plan is reviewed at least annually or whenever major life or financial changes occur.
Financial planning, investment management, and investment tax planning. In addition, Water Street Wealth Management refers its clients to a CPA and coordinates client’s taxes. I am also able to refer you to an estate planning attorney for estate planning purposes. Please see our Strategic Alliances.
Please see Water Street Wealth Management’s form ADV and discuss any questions regarding investments directly with the adviser in your introductory meeting.
While I don’t prepare tax returns, I will refer you to a CPA and coordinate with you to implement tax-efficient investment strategies. I also work with estate planning attorneys to ensure your legacy and wealth transfer plans are in place. See Strategic Alliances
Water Street Wealth Management does not take custody of your assets, as defined by the SEC. The firm, however, has trading discretion over the assets that it manages for you.
I have over 20 years of experience and have no plans to retire over the next two decades.
Schedule a free consultation! We’ll discuss your financial goals, answer questions, and explore how I can help you build a secure financial future.
My Process
1
Discovery
Understanding Your Goals. Building Your Financial Roadmap.
In the Discovery phase, I take time to learn about your financial goals, challenges, and aspirations. There is an opportunity to ask questions about services and my approach. Following this initial meeting, I thoroughly analyze your assets, liabilities, income, expenses, and investment preferences while assessing your risk tolerance. This comprehensive understanding helps me identify opportunities and build a personalized plan tailored to your unique financial landscape.
2
Design
Crafting Your Personalized Plan.
The Design phase is based on a thorough analysis. Here I develop a personalized financial strategy designed to meet your unique needs and goals. This tailored plan includes investment recommendations aligned with your risk tolerance, retirement planning strategies, tax optimization suggestions, estate planning considerations, and risk management and insurance coverage reviews to ensure all aspects of your financial well-being are addressed.
3
Develop
Empowering You Through Action, Implementation, With Ongoing Support.
The Develop phase is where your financial plan comes to life. I’ll implement tailored strategies, provide continuous support, and adjust your plan as life changes—ensuring you stay on track toward your financial goals.
Financial Freedom,
Made Simple
Navigating your financial future doesn't have to be overwhelming. Plan with confidence, invest wisely, and enjoy life's biggest moments. As a fee-only financial advisor, I provide unbiased financial guidance and simplify planning with precise, personalized strategies—so you can focus on what matters most.
What Clients Are Saying
Hear from clients who trusted Water Street Wealth to simplify their finances and build a secure future.
These testimonials were provided by Water Street Wealth Management clients and may not be representative of the experiences of other clients. The clients were not compensated, nor were there material conflicts of interest that would affect the given testimonials. You can view a complete list of all Water Street Wealth Management reviews on my Wealthtender profile page.
AFFILIATIONS
Strong affiliations and integrity are key to exceptional financial guidance. These affiliations reflect my commitment to expertise and ethical standards
I believe your financial journey should be empowering, not overwhelming. My expertise and ethical standards deliver clear, customized plans for confident financial decisions.
-Jeff Schlotterbeck, CFP®
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