# Joseph Watz

> Joseph Watz is a fee-only financial advisor at Four Rivers Financial in Columbia, Missouri. Joseph focuses on retirement planning. Four Rivers Financial reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Four Rivers Financial
- **Based in:** Columbia, Missouri
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $904.0M across 4,725 accounts
- **Specialties:** Retirement planning
- **CRD:** 2968014 (https://adviserinfo.sec.gov/individual/summary/2968014)
- **SEC registration:** Investment adviser representative in MO
- **Exams passed:** Series 63 (2001), Series 65 (2024), Series 66 (2005)
- **Firm size:** 18 employees
- **Disclosures:** None reported
- **Website:** https://www.four-riversfinancial.com

## Frequently asked questions

### Is Joseph Watz a fee-only financial advisor?

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

### How does Joseph charge for financial advice?

Joseph's firm, Four Rivers Financial, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Joseph Watz based?

Joseph Watz is based in Columbia, Missouri.

### What does Joseph specialize in?

Joseph's specialties include retirement planning.

### Is Joseph Watz registered with the SEC?

Yes. Joseph Watz is registered as an investment adviser representative in MO (CRD 2968014), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Four Rivers Financial manage?

Four Rivers Financial reports $904.0M across 4,725 accounts in assets under management.

### How do I contact Joseph Watz?

Through Joseph's website, www.four-riversfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/2968014): 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://four-riversfinancial.com/): specialties, clients served, and fees, checked October 30, 2026

---

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