Investment, Retirement and Estate Planning Strategies

We all have unique goals in life and want to feel confident that we are on track to meet them. At Headwaters, we can help you accumulate, grow, and distribute your assets in all phases of your life. It helps to have a road map to keep us all on track.

Headwaters Wealth Management’s planning process is a great way to start creating your own personal road map. An investment plan can help you uncover your goals, determine which are the most – and least – important, and track your progress in reaching them.

* Headwaters Wealth Management and Wells Fargo Advisors Financial Network are not a legal or tax advisor. You should consult with your attorney, accountant and/or estate planner before taking any action.

Investment Management

Headwaters Wealth Management provides specialized investment management and advisory services for both institutional and private clients. Our disciplined and transparent process uses independent research to build investment portfolios that take advantage of global opportunities across multiple asset classes.

We construct portfolios that are designed to take advantage of market movements by using various proprietary strategies. The ultimate goal is to improve performance and preserve capital in an effort to achieve our clients’ goals with lowered stress.

Foundations / Endowments / Trusts

Whether it is a discussion around the giving goals of a family foundation or managing the assets for a special needs trust, our team will collaborate with you to develop and implement a customized giving or spending strategy that addresses your needs.

* Diversification does not guarantee profit or protect against loss in declining markets.

Philanthropic Services

We develop and implement strategies which help give individuals and families the ability to make a lasting impact on both their community and future generations.

We fulfill your philanthropic objectives by working to better understand individual and personal values, in addition to financial goals.

Working with clients on areas of succession and philanthropy is a core part of our business and what we do every day.

Risk Management

It is more important than ever to understand and control the trade-offs between financial risk and reward. The basic principle behind all financial-risk management is balancing risks and rewards to match our clients’ risk-tolerance and life goals. Headwaters Wealth Management can review your current financial situation and present strategies which help neutralize or transfer your unwanted risk to a third party for only a small fraction of the underlying economic value of that risk.

Business Owner and Executive Solutions

Our team at Headwaters Wealth Management helps clients understand what they own and how to follow securities regulations as they attempt to diversify their positions or lessen the risk-exposure to a concentrated position in company stock. We can assist with the evaluation of liquidation dates regarding company stock options and help employers create a deferred compensation plan for their top employees.

* Trust services available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo Advisors Financial Networks. Wells Fargo Advisors Financial Network and its affiliates do not provide legal or tax advice.

Company Retirement Plans

Business owners, human resource departments, and plan administrators can look to Headwaters Wealth Management to guide them through the maze of retirement options, plan designs, fiduciary responsibilities, and liability risks. Our goal is to reduce the costs of the plan for both the employer and the employee, to lower the related workload on the company’s human resource department and to increase the education provided at the participation level.

Our Associates

Pamela Starks | Senior Registered Administrative Associate

Pam has over three decades of experience in the financial services industry, and has backed up advisors her entire career. Learn More

Robert B. Hayes | Partner

Bob has 24 years of experience as a financial advisor, and has served as a senior manager for one of the largest brokerage firms in the world. Learn More

Lisa M. Derig | Partner

Lisa has 27 years of experience in the financial industry. She has worked as a senior financial advisor at one of the world’s largest financial institutions and as a vice president in private banking at two national banks. Learn More

Jackie Bernier | Senior Administrative Associate

Jackie brings more than 17 years of financial services experience to her role, and she is proud to provide clients with responsible and responsive attention to their transactions, requests, and inquires. Learn More

Paul L. Norman | Partner

Paul has more than 24 years of experience in the financial services industry. Throughout his career, Paul has continued his passion for working with businesses and individuals to help them achieve their financial goals. Learn More

Bart Leach | Partner

Bart is a second-generation financial advisor who has spent the past 19 years building relationships with his clients based on their needs and helping them meet their goals in an understandable way. Learn More

Chris Billings, CFA | Partner

Chris has more than 21 years of experience in the investment industry. He is responsible for defining investment objectives and implementing investment strategies in accordance with those objectives. Learn More
 
 

Tom Canfield | Financial Advisor

Tom has over a decade of business and financial experience in the Treasure Valley. He strives to help clients achieve growth and success in pursuit of their financial goals and places high importance on sound client relationships based on moral rectitude. Learn More
"We build uncommon and meaningful relationships with our clients. "
"We help you manage what is important to you today, and tomorrow. "
"If everyone is thinking alike, then somebody is not thinking. "
"An Adviser should anticipate, and satisfy your needs. "
"If you want to go somewhere quickly, go alone. If you want to go somewhere great, go together. "
401 W. Front Street Suite 400 | Boise, ID 83702 | Map and Directions | Accessibility Statement
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