# Charles Bales

> Charles Bales is a fee-only financial advisor at Whitewater Wealth in Eugene, Oregon. Charles focuses on retirement planning and estate & legacy planning. Whitewater Wealth reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/charles-bales/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Whitewater Wealth
- **Based in:** Eugene, Oregon
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $68.5M across 90 accounts
- **Specialties:** Retirement planning, Estate & legacy planning
- **CRD:** 1897315 (https://adviserinfo.sec.gov/individual/summary/1897315)
- **SEC registration:** Investment adviser representative in LA, OR
- **Exams passed:** Series 63 (1989), Series 65 (1992)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.whitewaterwealth.com

## Frequently asked questions

### Is Charles Bales a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Charles holds no broker registration, and Whitewater Wealth reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Charles charge for financial advice?

Charles's firm, Whitewater Wealth, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Charles Bales based?

Charles Bales is based in Eugene, Oregon.

### What does Charles specialize in?

Charles's specialties include retirement planning and estate & legacy planning.

### Is Charles Bales registered with the SEC?

Yes. Charles Bales is registered as an investment adviser representative in LA and OR (CRD 1897315), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Whitewater Wealth manage?

Whitewater Wealth reports $68.5M across 90 accounts in assets under management.

### How do I contact Charles Bales?

Through Charles's website, www.whitewaterwealth.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/1897315): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.whitewaterwealth.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.