Joseph Watz
Four Rivers Financial · Columbia, Missouri
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.
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Specialties
Facts
| Firm | Four Rivers Financial |
|---|---|
| Based in | Columbia, Missouri |
| Fee model (firm's Form ADV) | Percentage of assets · Hourly · Fixed fees |
| Assets under management | $904.0M across 4,725 accounts |
| SEC registration | Investment adviser representative in MO · CRD 2968014 |
| Exams passed | Series 63 (2001) · Series 65 (2024) · Series 66 (2005) |
| Firm size | 18 employees |
| Disclosures | None reported |
| Website | www.four-riversfinancial.com |
How Joseph's firm compares
- Four Rivers Financial's average account is about $191,000, from its Form ADV (assets managed divided by 4,725 accounts).
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Questions about Joseph
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Other fee-only advisors in Columbia
Other advisors in Missouri who focus on retirement planning
Where this information comes from
- SEC adviser records : 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
- Four Rivers Financial website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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