Joseph A. Waters

HERITAGE FINANCIAL SERVICES

WOBURN, MA 01801

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CRD#: 4627450

Professional summary

Joseph A Waters JR, CFP® is a registered financial advisor currently at HERITAGE FINANCIAL SERVICES located in Woburn, Massachusetts.

Joseph is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2003. Joseph has worked at 4 firms and has passed the Series 63, Series 7, Series 6 and Series 26 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

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 advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Joseph A Waters JR's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

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

CFP^®

Certified Financial Planner

Start date: 2011

Experience

Current

March 25, 2013 - Present

HERITAGE FINANCIAL SERVICES

Office #1: 600 Unicorn Park Drive, Woburn, MA 01801

RIA

CRD#: 127268

WOBURN, MA

Past

June 10, 2008 - March 7, 2013

TOWER SQUARE SECURITIES, INC.

CRD#: 833

STONEHAM, MA

Past

June 12, 2007 - November 6, 2007

ESSEX SECURITIES LLC

CRD#: 46605

JERSEY CITY, NJ

Past

February 13, 2003 - June 8, 2007

NORTHWESTERN MUTUAL INVESTMENT SERVICES, LLC

CRD#: 2881

WAKEFIELD, MA

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".

HERITAGE FINANCIAL SERVICES

HERITAGE FINANCIAL GROUP | HERITAGE INSURANCE BROKERAGE, INC. | HERITAGE FINANCIAL SERVICES, LLC | HERITAGE FINANCIAL SERVICES, INC. | HERITAGE FINANCIAL SERVICES

CRD#: 127268 / SEC#: 801-64494

RIA

Registered Investment Advisory firm - (7/19/2005 Approved)

Massachusetts

Registered Investment Advisory firm - (10/18/2005 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.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Massachusetts
(3/25/2013)

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

Series 63

Date: 3/19/2003

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 7

Date: 1/20/2011

General Securities Representative Examination

General Industry/Product Exam

Series 6

Date: 2/12/2003

Investment Company Products/Variable Contracts Representative Examination

Principal/Supervisory Exam

Series 26

Date: 8/23/2007

Investment Company Products/Variable Contracts Principal Examination

Current Firm

HERITAGE FINANCIAL SERVICES

HERITAGE FINANCIAL GROUP | HERITAGE INSURANCE BROKERAGE, INC. | HERITAGE FINANCIAL SERVICES, LLC | HERITAGE FINANCIAL SERVICES, INC. | HERITAGE FINANCIAL SERVICES

CRD#: 127268 / SEC#: 801-64494

RIA

Registered Investment Advisory firm - (7/19/2005 Approved)

Massachusetts

Registered Investment Advisory firm - (10/18/2005 Terminated)

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Contact information

Main Address

100 Lowder Brook Drive Suite 1000, Westwood, MA 02090

Mailing Address

Phone number

(781) 255-0214

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (19 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

HERITAGE FINANCIAL SERVICES, LLC ADV PART 2A (7/10/2025)

Regulatory assets under management

Total Number of Accounts	6,481
AUM (Assets Under Management)	$ 2,989,626,797

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
08/27/2024	Cover Page	Report
03/07/2024	Cover Page	Report
04/18/2023	Cover Page	Report

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

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Joseph A. Waters

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Joseph A Waters JR's CRS (Customer Relationship Summary).

Certified licenses

Experience

TOWER SQUARE SECURITIES, INC.

ESSEX SECURITIES LLC

NORTHWESTERN MUTUAL INVESTMENT SERVICES, LLC

Primary Firm SEC Registration

HERITAGE FINANCIAL SERVICES

State Registrations and Notice Filings

Exams

Series 63

Date: 3/19/2003

Series 7

Date: 1/20/2011

Series 6

Date: 2/12/2003

Series 26

Date: 8/23/2007

Current Firm

HERITAGE FINANCIAL SERVICES

Contact information

SEC notice filing (19 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

HERITAGE FINANCIAL SERVICES

TRUST BUT VERIFY

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