Our Company Values
Waterhouse Financial opened the Gray, Maine office in March 2019 as a sister company to the family business, August H. Velten & Associates, located in Melbourne, FL. With over 15-years in the financial services industry, Owner, Jessica Waterhouse, envisioned a financial planning practice that better serves Maine residents at all income levels through education, conservative retirement planning and investment. We help clients prioritize, grow and protect their assets so they can enjoy their retirement years without fear of outliving their money. Partnering with the right organizations for the best possible products and resources allows Waterhouse Financial to keep a finger on the pulse of the industry to monitor trends and changes that matter to you. Our ultimate goal is to provide our clients with the guidance and resources needed to design a secure and predictable financial future while balancing the risk associated with needed growth.
- No Fee Planning – Income Analysis including Social Security claiming strategies
- Investment Strategies for Retirement Goals, College Planning & Inflation Protection
- Life insurance & Annuity Products; Long-Term Care Hybrid Policies
- Roth Conversion Strategies for Tax Advantaged Planning
- Medicare Consulting & Sales
- Financial Education Courses through Adult Financial Education Services (AFES)
President, Waterhouse Financial
Jessica Waterhouse is an Investment Advisor Representative, licensed insurance producer, certified National Social Security Advisor (NSSA) and owner of Waterhouse Financial. As an independent financial advisor with a fiduciary responsibility, she is focused on her clients’ needs for asset protection strategies, investment management and conservative retirement planning.
Jessica works with clients of all ages to achieve their financial futures from income analysis to social security claiming strategies. Passionate about empowering people through financial education, Jessica regularly offers workshops on Social Security as well as topics specific to women and retirement. As an entrepreneur, she has built her business by maintaining close, trusted relationships with her clients.
Members of the Investment Team are licensed with Advisory Alpha, LLC, a SEC
Registered Investment Advisor
Steve Osterink, Jr.
CFA®, CFP®, AIF®
Steve Jr. is the driving force behind the development and innovation of Advisory Alpha’s investment solutions and platform. He leads the investment team and brings more than a decade of experience to the firm as well as extensive knowledge of personal finance and asset management, as evidenced by his CFA®, CFP®, and AIF® designations.
Steve Osterink, SR.
With nearly 40 years of experience in the financial services industry and working with investors, Steve Sr. co-leads the investment team. He has an uncanny ability to focus in on practical solutions to complex problems, and his wisdom is a valuable resource for the firm.
Holding the CFP® designation and as a CFA® Candidate, Nick leads a team of financial planning consultants that implement various portfolio analysis and planning resources with the goal of improving clients’ financial situations. Nick is a key member of the investment team and is positioned to craft comprehensive solutions to financial challenges that span all stages of the financial planning process.
Jon has a diverse background in corporate finance and investment management. He manages the daily investment research and portfolio management responsibilities for the investment team which involves asset allocation research, fund monitoring and due diligence, investment strategy evaluation and implementation, and performance monitoring.
Dedicated to detail, responsiveness and efficiency, Brian is responsible for the firm’s trade management and portfolio accounting systems. This includes everything from
implementing portfolio investment decisions, account rebalancing, cash management functions, trade execution, account billing, and performance reporting.
Janine manages our accounting and financial systems, human resources functions, and office operations. She is also a key member of our compliance team and supports various departments across our firm including trading, financial planning, performance reporting, and account billing.
Mike has a strong background in computer science and statistics which aids in his role as a key member of our operations team. He leads our technology initiatives as well as
supports the trade management and portfolio accounting functions.
Mr. Margolies serves as Director of Compliance. Mr. Margolies is responsible for developing and enhancing the compliance protocol across the Group. Mr. Margolies has over 20 years of compliance and supervisory experience, including leading the compliance team at a global life and annuity wealth management insurance company. Mr. Margolies earned a B.A. in Business from Stockton University.
Plan For Your Future
There is no one “best place” to put your retirement money because each individual and couple has unique requirements, different tolerances for risk, and need their money at different times. Likewise, there is no one place to keep your money that fits everyone for exactly the same reasons. Your unique circumstances must be taken into consideration if you seek to find the “most favorable place” for your retirement money. This is where we can be of service.