The plan changes. The person you call doesn’t.
Independent financial planning for families across Eastern North Carolina — whether retirement is the next thing or the far thing.
Start a conversationMost advice is built for one season of life. People live through several.
Living Waters Financial Services works with people who are living in retirement, people who can see it from here, and people who are still deciding what they are building toward. Those are not three different firms. They are three points on the same line.
What changes between them is which questions come first — not who answers them, and not how carefully.
About the practice
Seven kinds of work, one relationship.
Investments are only one piece of the puzzle.
All servicesRetirement Income Planning
Turning your hard-earned savings into income for retirement.
02Preparing for Retirement
A plan for getting to retirement when you want to.
03Investment Management
Portfolios built around your goals, your age and how you feel about risk.
04Legacy & Estate Planning
Making sure what you leave goes to who you want.
05Protection Planning
Protecting what you have worked hard for.
06Financial Coaching
Help with the decisions in between.
07Tax-Efficient Wealth Management
Working with your tax professional to be as tax-efficient as possible.
You don’t have to pick a lane to get started.
Every part of the work below matters to both people. What differs is what it means to you right now — so here it is, said both ways.
Income and cash flow
Turning what you saved into a paycheck you can count on, and knowing what happens to it in a bad year.
Deciding what each dollar is for before it arrives, so saving stops competing with living.
Investments
Holding enough growth to outlast you without holding more risk than the plan needs.
Using the one advantage you have that cannot be bought back later, which is time.
The decisions that arrive uninvited
A parent needs help. A business is sold. The date moves. The plan should already know what to do.
A job changes. A child arrives. A house appears. Each one quietly rewrites the next five years.
What you leave behind
Making sure the people you care about inherit a plan, not a filing cabinet.
Getting the basics in place early, while it is a short conversation rather than a long one.
Read the column that sounds like you. The other one is where you may be in ten years, and it is the same plan.
Who we serve
Four steps, and none of them is a sales meeting.
Listen
Where you are today and where you want to be: what you have, what matters to you, what concerns you.
Lay it out
Kasey works through everything you shared and puts together a plan made for you.
Decide together
We present the plan and talk it through. It is your money, and you decide what is done with it.
Stay in it
When life moves, we move with it. Reviews keep your goals, your risk and your investments in step.
Kasey Fletcher
Living Waters Financial Services is based in Washington, North Carolina, and works with families across Beaufort, Washington, Martin and Hyde counties.
Kasey became a financial advisor in 2019, after working as an investigator with the Beaufort County Sheriff’s Office. The work changed. The reason for it did not: helping people in meaningful ways.
Kasey’s storyHow much does it cost to work with you?
Our initial meeting is complimentary. From there, we have various ways to work with us that have different costs. You get to pick the one that fits you best.
How much money do I need to retire?
That is a great question, and it is one I cannot answer without learning more about you. We have to know things like your budget, income, debt, current savings and other important facts. I would love the opportunity to get to know you better so I can give you more insight.
Should I invest or pay down debt?
We work with you to gather information and understand your current situation as well as your future plans. That helps us provide advice on what is right for you at this time. Let us walk you through the process so we can determine the right answer for you.
A conversation, before anything is recommended.
Tell us where you are today. Whichever column you read, that is where the work starts.
Start a conversation