# Watershed Wealth

> Watershed Wealth is a state-registered investment advisory firm in Alpena, MI, registered since 2023, reporting under $25 million in regulatory assets under management in its Form ADV filing dated August 21, 2026.

- CRD: 325405
- Filed as: WATERSHED WEALTH
- Legal name: Watershed Wealth Management LLC
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Alpena, MI
- Filing period: October 2026
- Form ADV filing dated: August 21, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/325405
- AdvisorCensus page: https://advisorcensus.com/firm/watershed-wealth-alpena-mi-325405

## Quick answers

**How is Watershed Wealth compensated?**
On its Form ADV (Item 5.E, October 2026), Watershed Wealth reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**Where is Watershed Wealth located?**
Watershed Wealth's principal office is in Alpena, MI, according to its Form ADV.

**Is Watershed Wealth registered with the SEC or a state?**
Watershed Wealth is a state-registered investment advisory firm, registered since 2023. Status as filed: APPROVED. CRD 325405.

**How much does Watershed Wealth manage?**
Watershed Wealth reports $18,700,000 in regulatory assets under management in its Form ADV filing dated August 21, 2026 (65% discretionary).

**What types of clients does Watershed Wealth serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (64); high net worth individuals (7).

**Does Watershed Wealth report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/325405

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Regulatory assets under management (Item 5.F)
- Total: $18,700,000
- Discretionary: $12,141,000
- Non-discretionary: $6,559,000

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 64 | $9,551,000 |
| High net worth individuals | 7 | $8,491,000 |
| Other | Fewer than 5 | $658,000 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Selection of other advisers (including private fund managers)
- Other

### Firm details
- Registered since: 2023 (3 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: MI
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- linktr.ee/griffinsaddler
- watershedwm.com
- Facebook @WatershedWealthManagement
- Instagram @planwithgriff
- Instagram @watershed_wealth
- LinkedIn @watershed-wealth
- LinkedIn @saddlerg
- YouTube @planwithgriff

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Watershed Wealth (CRD 325405): Form ADV filing data as of October 2026.