INDIVIDUALS & FAMILIES
Wealth management built around your life.
Riverwater Partners provides fiduciary wealth management for individuals and families, combining personalized financial planning, investment management, estate-planning coordination and responsible investing.
A MORE MEANINGFUL TOMORROW
True wealth extends beyond financial success.
Our goal is to help you achieve financial independence and build a life that reflects what matters most. We take the time to understand your unique financial goals, risk tolerance and life priorities, and create a customized investment and financial planning strategy designed to support you today and for generations to come.
WHAT WE HELP WITH
As fiduciaries, we are legally and ethically bound to put your best interests first—always. Every decision is made with your long-term prosperity in mind.
Investment Management
- Portfolio Construction & Asset Allocation — Custom-built portfolios balancing growth, risk, and efficiency.
- Investment Selection & Due Diligence — Identifying high-quality managers and investments through rigorous research.
- Responsible Investing — Integration of responsible investing principles and impact-driven opportunities.
- Trust & Custodial Coordination — Managing and safeguarding your assets across custodians.
Family Wealth
- Guidance Through Life Transitions — Supporting families through inheritance, retirement, and other major financial moments.
- Intergenerational Wealth Planning — Structuring legacies for future generations.
- Family Wealth & Financial Education — Helping families make informed financial decisions together, including guiding conversations across generations.
Tax-Sensitive Investing
- Coordinated Tax Planning — Working alongside your accountant so your investment decisions and tax situation stay aligned.
- Estate & Legacy Coordination — Working with your attorney and accountant on tax-aware wealth transfer to future generations.
- Charitable Giving Strategies — Designing philanthropic approaches that reflect both your causes and your tax situation.
Financial Planning
- Retirement Income & Accumulation Planning — Strategies to grow and distribute wealth efficiently.
- Cash Flow & Liquidity Management — Ensuring financial flexibility for the goals and moments that matter.
- Charitable & Generational Giving — Coordinating giving strategies and wealth transfer, in step with your attorneys and accountants.
A THOUGHTFUL PROCESS, CENTERED ON YOU
01
Understand you, your goals,
values and risk tolerance.
values and risk tolerance.
02
Build a personalized financial
plan and portfolio.
plan and portfolio.
03
Monitor, coordinate
and adapt over time.
and adapt over time.
MEET YOUR WEALTH MANAGEMENT TEAM
ABOUT RIVERWATER
Fiduciary
We put your interests first.
Independent &
Employee-Owned
Objective advice.
A long-term perspective.
Comprehensive
Planning
A more complete view
of your financial life.
Responsible Investing
Investing for a more
sustainable tomorrow.
QUESTIONS WE OFTEN HEAR
Questions individuals and families often ask.
Is Riverwater Partners a fiduciary?
Yes. As a registered investment adviser, Riverwater owes its advisory clients a fiduciary duty to act in their best interests when providing investment advice. Investment advisers generally owe this duty to their clients.
What services are included in Riverwater’s wealth management?
Riverwater’s wealth management services can include personalized investment management, financial planning, tax-aware portfolio coordination, family wealth and legacy planning, trustee support services and responsible investing. We tailor the scope of our work to each client’s goals, financial situation and risk tolerance, working in close partnership with your estate planning attorney and CPA to ensure a seamlessly aligned strategy across every facet of your wealth.
We coordinate with your estate planning attorney and CPA to ensure your estate is .
How does Riverwater help families plan for retirement?
Riverwater helps families plan for both the accumulation and retirement-income stages of life.Preparing for retirement requires thoughtful planning and clear communication. We begin with an in-depth conversation to review your current financial position, long-term objectives, income needs, and investment strategy, creating a tailored roadmap to support you through retirement.
We consider your goals, cash-flow needs, investment strategy and broader financial plan to help you prepare for and navigate retirement.
Can Riverwater help my family plan for passing wealth to the next generation?
Yes. Riverwater helps families plan for intergenerational wealth transfer, including how assets, investment strategies and family priorities fit together across generations. We coordinate with your attorney and accountant when legal or tax expertise is needed.
Does Riverwater help my whole family make financial decisions, not just me?
Yes. Riverwater provides family wealth and financial education to help family members understand the plan, make informed decisions and have productive conversations about money and wealth across generations.
Can Riverwater coordinate our estate and charitable giving plans?
Yes. Riverwater can help coordinate estate, legacy and charitable-giving strategies as part of your broader financial plan. We work alongside your attorney and accountant on legal and tax matters; Riverwater does not provide legal or tax services.
I’ve been named trustee for a family member’s trust — can Riverwater help?
Yes. More families are naming friends or relatives as trustee, and there’s rarely a manual that comes with the role. Riverwater provides trustee education and investment support to help you understand your responsibilities and navigate the role with greater confidence.
How does responsible investing work in my portfolio?
Riverwater incorporates responsible investing principles into its investment process and evaluates external managers’ approaches to responsible investing where applicable. If there are particular values or priorities you want reflected in your portfolio, you can discuss them with your advisor as part of the planning process.
How does someone become a client?
It starts with a conversation. A Riverwater advisor will learn about your circumstances, goals and existing portfolio and answer your questions about how we work. There is no obligation to proceed.