Waterstone Financial Group, LLC

Registered Representative

314-725-2242
tbray@ceteranetworks.com

Tom and Michelle have been happily married for 30 years. They met on the campus of Southern Illinois University at Edwardsville. Tom studied Finance and Economics while Michelle studied Communications and Business as an undergrad and then Corporate and Industrial Communications with an emphasis in Investor Relations as a graduate student. Both have a lifelong passion for understanding all things financial – investing, insurance, banking, accounting, and taxes.

The essence of their system is to first analyze a family’s entire financial picture, then educate, then plan. This system looks at the entire family budget, insurance coverage, taxes, mortgages, debts, and investments.

Looking at investments without understanding what else is being done with the family budget is short sided. What good is a 10% pretax investment return when there is a car lease costing the family 12% in after tax dollars? Do most investment advisers ask clients how they finance their cars? No they don’t, but they should!

They offer a different type of financial services company, one that focuses first and foremost on a family’s total financial picture, not just investments, or insurance coverage, or home mortgages, but all of these important items together.

Over the past 25 years, they have found the approach so well received that they are working harder than ever to expand their business to help more family’s make the most of their financial future.

As an independent financial advisor, Tom can provide the principles of an independent insurance agency and a Registered Investment Advisory Firm, he has access to the country’s leading investment and insurance products with no single providers limiting access.

The world has changed for independent advisors; there was a day when an independent suffered from the lack of support of a national broker, bank, or captive agent insurance company. Now an independent has access to most all the products from the leading financial institutions and has ‘anywhere’ real-time market information, online continuing education, Internet-based client document systems, and dynamic client communication tools (phone, webinar, e-documents). All this allows time to focus on the client and their financial future.

They are both excited to lead a firm which offers families and small business owners comprehensive financial planning and investing services.