Timothy John Watters
CFP®Professional Summary
Timothy John Watters, CFP®, who also goes by Tim Watters, is a registered financial advisor currently at CETERA PLANNING PARTNERS located in Paramus, New Jersey. Timothy is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1986. Timothy has worked at 6 firms and has passed the Series 65, Series 63 and Series 7 exams.
At a Glance
Fiduciary Standard
Fee Structure
Account Minimum
Active Clients
Fiduciary Standard
Fee Structure
Account Minimum
Active Clients
Who I Serve
Services Offered
- Financial Planning
- Business Services
- Risk Management & Insurance
- Tax Planning
- Education Funding
- Retirement Planning
- Investment Management
- Estate & Legacy Planning
- Cashflow & Budgeting
Specializations
Biography
Since 1986, Watters Financial Services has built a business based on loyalty, trust and a proven track record of success. We have two core businesses. We provide hourly financial planning that can be comprehensive or specific to a particular problem that needs a solution. We also provide Wealth Management, which combines comprehensive financial planning with on-going investment management. WFS will meet with most clients quarterly which is very rare in the industry. For over 30...
Other Aliases
Tim Watters
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Videos & Posts
This advisor has not added any videos or posts yet.
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Contact Information
Direct
(xxx) xxx-xxxx
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Disclosures are events reported to regulators, such as customer disputes, regulatory actions, employment separations, or financial events. Some are resolved, denied, or contested — a disclosure is not a verdict. We recommend asking an advisor directly about any disclosure on their record.
Disclosures on record.
Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities. Check for any disclosures as part of your thorough research when choosing an advisor.
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Credentials
Years of Experience
40 years in the financial services industry
Current & Past Employments
Current
Past
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Current Firm
CETERA PLANNING PARTNERS | THE RETIREMENT PLANNING GROUP, LLC | THE RETIREMENT PLANNING GROUP, INC.
Contact Information
Main Address
11460 Tomahawk Creek Pkwy Suite 400, Leawood, KS 66211Phone Number
(913) 498-8898# of Employees
78SEC notice filing (51 States and Territories)
Registered to provide investment advisory services in 51 US states and territories.
Documents
Part 2 Brochures
Regulatory Assets Under Management
Total Number of Accounts
14,107AUM (Assets Under Management)
$4,164,758,846Accountant Surprise Examination Report
| Filing Date | Form ADV-E Cover | Form ADV-E Report |
|---|---|---|
| 08/19/2026 | Cover Page | Report |
| 11/24/2025 | Cover Page | Report |
| 08/08/2024 | Cover Page | Report |
| 11/27/2023 | Cover Page | Report |
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Other business activities
Information obtained from regulatory filings. Advisors can request corrections through their firm or regulator.
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
The advisor shows no other business activity.
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Primary Firm SEC Registration
CETERA PLANNING PARTNERS | THE RETIREMENT PLANNING GROUP, LLC | THE RETIREMENT PLANNING GROUP, INC.
State Registrations and Notice Filings
(7/12/2024)
(7/24/2024)
(7/12/2024)
Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.
Exams
Financial professionals may take different exams throughout their careers based on the types of services they provide and roles they perform.
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CRS (Client Relationship Summary) - RIA
Click below to view Timothy John Watters's CRS (Customer Relationship Summary).
Services Offered by Timothy
- Financial Planning
- Business Services
- Risk Management & Insurance
- Tax Planning
- Education Funding
- Retirement Planning
- Investment Management
- Estate & Legacy Planning
- Cashflow & Budgeting
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