Joseph’s Approach
Joseph A. Waters Jr.
CFP®, MS
Financial Advisor
Overview
Joseph “Joe” Waters, Jr. serves as a financial advisor in Savant’s Woburn, Massachusetts, office, where he focuses on guiding individuals and families through personalized financial planning and long‑term relationship building. A CERTIFIED FINANCIAL PLANNER® professional, Joe is knowledgeable in all areas of financial planning, including 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.
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 lasting 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.
He 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 follows Boston sports with enthusiasm.
Areas of Focus
Comprehensive Wealth Management
Integrated guidance for your full financial life, bringing together investment, tax, estate, and retirement planning to support your goals.
Financial Planning
Our planning process helps you evaluate key areas of your financial life, uncover opportunities, and make decisions aligned with your goals.
Investment Management
Evidence-based investing designed to help you stay focused on long-term goals while navigating changing market conditions.
Estate Planning & Wealth Transfer
Thoughtful estate planning guidance to help organize your affairs, support your wishes, and prepare for future generations.
Trust Services
Comprehensive trust administration supported by integrated investment, tax, estate, charitable, and business succession planning services.
Education
- Bentley University
Bachelor of Science in Economics and Finance
Master of Science (MS) in Personal Financial Planning
Professional Designations
- CERTIFIED FINANCIAL PLANNER® professional
Insights & Perspectives
Thought leadership on wealth management, tax strategy, and financial planning.
All Insights by Joseph A. Waters Jr.
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CFP®
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.