A smarter path for retirement—tailored to Northern Michigan, and to you.
We built The Watershed Way to solve a simple problem: most financial plans sit on a shelf.
Ours don’t.
This is a structured, step-by-step process we use with every client—not just to build a plan, but to keep it alive.
It’s high-tech where it needs to be, human-first where it matters, and flexible enough to evolve with your life.
Here's what you can expect:
Discovery
This is where we learn your story, your goals, and what’s driving you to seek clarity right now.
After scheduling, you’ll have the option to request your Financial Baseline Report—a powerful (and free) summary of where things stand today.
It’s optional, but a great way to accelerate the value of our first conversation.
Onboarding
We’ll walk you through our client agreement, open account(s), and start funding them so everything is lined up and ready to go.
You’ll also receive your Client Success Kit, which includes everything you need to stay informed, empowered, and in the loop as a client of Watershed Wealth.
Get Organized
The goal is to make sure no key detail is missed and your plan reflects the full picture of your life.
For clients with business interests, equity comp, or more complex needs, we may break this into a series of working sessions to give each part the attention it deserves.
Follow Through
We don’t.
Through structured check-ins, progress tracking, and ongoing collaboration, we help keep your plan in motion and your priorities front and center.
Whether it’s nudging action items, reviewing opportunities, or adjusting to life changes, we make sure your financial strategy evolves as you do.
We charge an ongoing advisory fee that covers investment management plus general financial planning support.
You should know what you’re paying for—and what it covers—from day one.
Annual Fee
1.50% of assets under management
⚠️ Minimum annual fee: $1,000 for individuals / $1,500 for households
⚠️ Custodial, brokerage, and fund-level fees may apply
- Setting and refining financial goals
- Retirement income strategy
- Tax-aware investing
- Employee benefits optimization
- Cashflow organization
- Insurance and risk review
- Estate planning coordination
- Ongoing access to your client dashboard
