Joseph A. Waters Jr.

Joseph “Joe” Waters, Jr. is a financial advisor in Savant’s Woburn, Massachusetts, office, where he helps individuals and families navigate personalized financial planning and support their long‑term financial confidence. Joe develops strategies tailored to each client’s goals, with a focus on wealth transfer and philanthropy, proactive income and estate tax planning, retirement cash flow projections, retirement income optimization, insurance needs analyses, debt management, and education funding.

As a CERTIFIED FINANCIAL PLANNER® professional who is Certified in Blockchain and Digital Assets (CBDA), Joe brings a comprehensive approach to financial planning.  He works closely with clients to help them make informed decisions while adapting to changing life circumstances and market environments.

He launched his career by building his own practice with the Northwestern Mutual Financial Network.  In 2013, his commitment to serving in a fiduciary capacity led him to work at Heritage Financial, where he helped develop client relationships and introduced prospective clients to the firm’s three‑meeting process. He started working at Savant in 2026 when Heritage joined the firm.

Joe earned a bachelor’s degree in economics and finance along with a Master of Science (MS) in personal financial planning from Bentley University in Waltham, Massachusetts.

Joe enjoys golf, movies, and traveling with his family. Their favorite trips include the Winter Olympics and Super Bowl XLIX.  He also remains active in his church community and enthusiastically follows Boston sports.