# Griffin Saddler

> Griffin Saddler is a fee-only financial advisor at Watershed Wealth in Alpena, Michigan, who holds the CFP credential. Griffin charges a percentage of assets (no asset minimum) and focuses on retirement planning and tax planning.

Page: https://find.wellspent.co/advisors/griffin-saddler/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Watershed Wealth
- **Based in:** Alpena, Michigan
- **Fee model:** Percentage of assets
- **Fees (firm's website):** no asset minimum
- **Works virtually:** Yes (firm's website)
- **Assets under management (firm):** $18.7M across 161 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Tax planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 6856259 (https://adviserinfo.sec.gov/individual/summary/6856259)
- **SEC registration:** Investment adviser representative in MI
- **Exams passed:** Series 66 (2019)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://watershedwm.com

## Frequently asked questions

### Is Griffin Saddler a fee-only financial advisor?

Yes. Griffin Saddler is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Griffin's firm.

### How does Griffin charge for financial advice?

Griffin charges a percentage of assets.

### How much does Griffin charge?

According to Watershed Wealth's website, checked October 28, 2026: no asset minimum.

### Does Griffin work with clients virtually?

Yes. Watershed Wealth says on its website that it works with clients remotely.

### Where is Griffin Saddler based?

Griffin Saddler is based in Alpena, Michigan.

### What does Griffin specialize in?

Griffin's specialties include retirement planning and tax planning. Griffin works with retirees and pre-retirees.

### What credentials does Griffin Saddler hold?

Griffin Saddler holds the CFP credential.

### Is Griffin Saddler registered with the SEC?

Yes. Griffin Saddler is registered as an investment adviser representative in MI (CRD 6856259), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Watershed Wealth manage?

Watershed Wealth reports $18.7M across 161 accounts in assets under management.

### How do I contact Griffin Saddler?

Through Griffin's website, watershedwm.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/griff-saddler-11561): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.watershedwm.com/): specialties, clients served, and fees, checked October 28, 2026

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