Susan Marie Waters | Financial Professional

Professional summary

Being a previously registered professional could mean that this person is no longer operating under the supervision of the SEC or FINRA.

That means that the Securities and Exchange Commission may not be able to oversee the services that this specific professional is providing.

Susan Marie Waters, who also goes by Susan Marie Gass, Susan Marie Gass Kohtz, Susan Marie Kohtz, Susan Marie Novello, Sue Waters, was a registered financial professional .

Susan is a previously registered financial professional and started their career in finance in 2008. Susan had worked at 6 firms and has passed the Series 66, SIE and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

No

Aliases

Susan Marie Gass | Susan Marie Gass Kohtz | Susan Marie Kohtz | Susan Marie Novello | Sue Waters

Other business activities

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 Name of the other business: InvestWell, LLC Investment Related?: Yes Address of other business: 3 Archer Drive Stony Brook, NY 11790 Nature of other business: Insurance Your position: Owner Start Date: 05/2014 How many hours you devote to the other business per month: 150 How many hours you devote to the other business during securities trading hours: 8 Briefly describe your duties: Insurance agent, investments, related sales of retirement products, insurance, and annuity products.

Blog Corner

CRS (Client Relationship Summary)

The CRS(Customer Relationship Summary) document is not provided.

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Past

March 8, 2018 - November 16, 2023

HORTER INVESTMENT MANAGEMENT, LLC

RIA

CRD#: 119880

New Canaan, CT

Past

June 10, 2016 - March 6, 2018

SUMMIT WEALTH PARTNERS, LLC

RIA

CRD#: 283648

LEES SUMMIT, MO

Past

September 23, 2014 - June 16, 2016

CREATIVEONE SECURITIES, LLC

RIA

CRD#: 152974

LEE'S SUMMIT, MO

Past

September 23, 2014 - June 16, 2016

CREATIVEONE SECURITIES, LLC

BD

CRD#: 152974

LEE'S SUMMIT, MO

Past

June 8, 2011 - September 24, 2014

EAGLE STRATEGIES LLC

RIA

CRD#: 110826

LEES SUMMIT, MO

Past

July 29, 2009 - September 23, 2014

NYLIFE SECURITIES LLC

BD

CRD#: 5167

LEES SUMMIT, MO

Past

October 14, 2008 - June 23, 2009

CITIGROUP GLOBAL MARKETS INC.

RIA

CRD#: 7059

ROANOKE, VA

Past

September 8, 2008 - June 23, 2009

CITIGROUP GLOBAL MARKETS INC.

BD

CRD#: 7059

ROANOKE, VA

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

HI

HORTER INVESTMENT MANAGEMENT, LLC

CRD#: 119880 / SEC#: 801-67471

RIA

Registered Investment Advisory firm - (1/12/2007 Approved)

California

Registered Investment Advisory firm - (1/31/2007 Terminated)

Delaware

Registered Investment Advisory firm - (4/23/2007 Terminated)

Ohio

Registered Investment Advisory firm - (1/31/2007 Terminated)

Pennsylvania

Registered Investment Advisory firm - (1/31/2007 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

Visual representation of state registrations

This advisor is not registered in any state.

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

State Security Law Exam

RR

IAR

Series 66

Date: 10/9/2008

Uniform Combined State Law Examination

General Industry/Product Exam

RR

SIE

Date: 6/16/2016

Securities Industry Essentials Examination

General Industry/Product Exam

RR

Series 7

Date: 9/4/2008

General Securities Representative Examination

Current Firm

HI

HORTER INVESTMENT MANAGEMENT, LLC

CRD#: 119880 / SEC#: 801-67471

RIA

Registered Investment Advisory firm - (1/12/2007 Approved)

California

Registered Investment Advisory firm - (1/31/2007 Terminated)

Delaware

Registered Investment Advisory firm - (4/23/2007 Terminated)

Ohio

Registered Investment Advisory firm - (1/31/2007 Terminated)

Pennsylvania

Registered Investment Advisory firm - (1/31/2007 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

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Contact information

Main Address

11726 Seven Gables Rd Symmes Township, Cincinnati, OH 45249

Mailing Address

Phone number

(513) 984-9933

Established

Firm type

Fiscal year end

# of Employees

41

SEC notice filing (52 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

HIM ADV PART 2A_2024 (11/7/2025)

Regulatory assets under management

Total Number of Accounts	2,136
AUM (Assets Under Management)	$ 277,989,460

Red Flags

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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Advisor Monitoring

Firm Stability Insights

Susan M. Waters

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary)

Certified licenses

Experience

SUMMIT WEALTH PARTNERS, LLC

CREATIVEONE SECURITIES, LLC

CREATIVEONE SECURITIES, LLC

EAGLE STRATEGIES LLC

NYLIFE SECURITIES LLC

CITIGROUP GLOBAL MARKETS INC.

CITIGROUP GLOBAL MARKETS INC.

Primary Firm SEC Registration

HORTER INVESTMENT MANAGEMENT, LLC

State Registrations and Notice Filings

Exams

Series 66

Date: 10/9/2008

SIE

Date: 6/16/2016

Series 7

Date: 9/4/2008

Current Firm

HORTER INVESTMENT MANAGEMENT, LLC

Contact information

SEC notice filing (52 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

HORTER INVESTMENT MANAGEMENT, LLC

TRUST BUT VERIFY

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