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Jeff Schlotterbeck,  CERTIFIED FINANCIAL ADVISOR™ and owner of Water Street Wealth, sitting on outdoor steps in a navy suit, conveying trust and approachability.

Financial Security. 
Strategic Growth. 
Wealth Preservation.

I help individuals and families simplify their financial journey by integrating financial planning, investment management, and tax strategies into a seamless wealth-building experience.

A Holistic Approach To Your Wealth

Everything is designed to work together so you can focus on what matters most.

Comprehensive Financial Planning

Financial planning is not just about numbers. It is about aligning your wealth with your goals, values, and long-term vision. I take a holistic approach, crafting personalized strategies that cover every stage of life, from building wealth to preparing for retirement and securing your legacy. Whether you need a structured retirement plan, guidance on managing your assets, or a strategy to ensure financial stability for your family, I provide clear and actionable solutions tailored to your specific needs. My goal is to help you navigate financial decisions with confidence so you can focus on what truly matters.

Tax-Efficient Wealth Management

Effective wealth management is not just about growing assets. It is about keeping more of what you earn. I integrate tax-efficient strategies into your financial plan to help you minimize unnecessary tax burdens while maximizing long-term wealth accumulation. By leveraging tax-advantaged investment accounts, optimizing withdrawals in retirement, and proactively planning for future tax implications, I ensure your money works harder for you. With a proactive approach, I help you navigate complex tax laws and take advantage of opportunities that align with your financial goals.

Investment & Estate Planning

A strong financial foundation is not just about the present. It is about ensuring security for future generations. I design investment strategies that align with your risk tolerance and long-term objectives, providing a structured plan to grow and protect your wealth. Estate planning goes beyond just drafting a will. It is about preserving your assets, minimizing taxes, and ensuring a smooth transfer of wealth according to your wishes. By integrating investment management with estate planning, I help you build a lasting financial legacy while maintaining control over your financial future.

A Holistic Approach To Your Wealth

Everything is designed to work together so you can focus on what matters most.

Comprehensive Financial Planning

Financial planning is not just about numbers. It is about aligning your wealth with your goals, values, and long-term vision. I take a holistic approach, crafting personalized strategies that cover every stage of life, from building wealth to preparing for retirement and securing your legacy. Whether you need a structured retirement plan, guidance on managing your assets, or a strategy to ensure financial stability for your family, I provide clear and actionable solutions tailored to your specific needs. My goal is to help you navigate financial decisions with confidence so you can focus on what truly matters.

Tax-Efficient Wealth Management

Effective wealth management is not just about growing assets. It is about keeping more of what you earn. I integrate tax-efficient strategies into your financial plan to help you minimize unnecessary tax burdens while maximizing long-term wealth accumulation. By leveraging tax-advantaged investment accounts, optimizing withdrawals in retirement, and proactively planning for future tax implications, I ensure your money works harder for you. With a proactive approach, I help you navigate complex tax laws and take advantage of opportunities that align with your financial goals.

Investment & Estate Planning
 

A strong financial foundation is not just about the present. It is about ensuring security for future generations. I design investment strategies that align with your risk tolerance and long-term objectives, providing a structured plan to grow and protect your wealth. Estate planning goes beyond just drafting a will. It is about preserving your assets, minimizing taxes, and ensuring a smooth transfer of wealth according to your wishes. By integrating investment management with estate planning, I help you build a lasting financial legacy while maintaining control over your financial future.

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Over 20 Years Of Experience, Focused On Your Future

With a deep understanding of wealth management, I specialize in comprehensive financial strategies that bring clarity and confidence to high-net-worth individuals and families. As a CERTIFIED FINANCIAL PLANNER™ (CFP®) and fiduciary, I uphold the highest standards of ethics and integrity, always putting your best interests first.

Transparency

Clear, straightforward guidance.

Education

Helping you make informed decisions.

Strategy & Execution

A proactive, results-driven approach.

Life Is About More Than Numbers

When I’m not guiding clients through financial decisions, you’ll find me spending time with family, golfing, or perfecting my BBQ recipes. Just like in wealth management, balance and strategy are key, not just in building wealth but in enjoying life. My goal is to help you create financial security so you can focus on what truly matters.

Want to see my favorite BBQ recipe? Click the button below!

Jeff Schlotterbeck with his family, highlighting the importance of relationships, balance, and a fulfilling life beyond finances.

Why Choose Water Street Wealth?

At Water Street Wealth, I am committed to providing you with personalized financial guidance tailored specifically to your needs. Here’s why choosing me as your financial advisor can make a significant difference for you:

Fee-Only Fiduciary & Independent Advice

No commissions. No hidden fees. As an independent advisor, my only commitment is to your financial success.

Personalized Guidance
 

Every client is unique. I take the time to understand your goals and craft a tailored strategy for your needs.

20+ Years of Experience
 

Decades of experience in financial services bring insights that help you navigate complex financial decisions.

CERTIFIED FINANCIAL PLANNER™

I uphold the highest standards of ethics, ensuring that my advice is always in your best interest.

Comprehensive Wealth Management

From retirement and tax planning to investment management, I take a holistic approach to your finances.

Education & Ongoing Support

Financial confidence comes from knowledge. I provide ongoing education so you can make informed decisions.

Your financial success starts with the right guidance. Let’s build a strategy tailored to your goals and future!

What It Means To Work With A Fee-Only Advisor

Choosing a fee-only financial advisor means receiving unbiased guidance tailored to your best interests—without sales pressure or commissions. As a fiduciary, I am legally and ethically committed to providing transparent, objective advice designed to help you make informed financial decisions with confidence.

 

Watch this short video on how the fee-only model puts your best interests first with truly objective financial advice.

Trusted. Recognized. Recommended.

I am proud to be recognized for excellence in financial planning and active community leadership.

Better Business Bureau (BBB) Accredited Business logo, signifying trust and credibility.
Google 5-star rating badge representing excellent client reviews and high-quality financial services.
Junior Achievement USA logo, representing youth financial literacy and entrepreneurship education.
Rotary Club of Tampa Westchase logo, representing community service and leadership.
Expertise Best Financial Advisors in Tampa 2021
Expertise Best Financial Advisors in Tampa 2022
Expertise Best Financial Advisors in Tampa 2023
Expertise Best Financial Advisors in Tampa 2024
Expertise Best Financial Advisors in Tampa 2025

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.

Wealthtender Certified Advisor Reviews badge, indicating verified client reviews for financial advisors
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