Headwater Investment Consulting,Inc.
- Regulatory AUM
- $543M
- Discretionary
- $524M
- Clients
- 649
- Avg AUM / client
- $837K
- Accounts
- 1,544
- Employees
- 7
AUM over time
Reported AUM from Form ADV filings, plotted by filing date · as of Mar 18, 2026
Who they serve
| Client type | Clients | AUM | % of AUM |
|---|---|---|---|
| Individuals (non-high net worth) | 403 | $207M | 38.2% |
| High net worth individuals | 185 | $286M | 52.7% |
| Pension and profit sharing plans | Fewer than 5 clients | $477K | 0.09% |
| Charitable organizations | 42 | $36.1M | 6.64% |
| Corporations and other businesses | 19 | $13.1M | 2.42% |
People (6)
roster as of Jul 20, 2026| Name | Role / title | Credentials | With firm since | Ownership |
|---|---|---|---|---|
| Chambers, Scott, Wilson | Founding Partner | Jul 2004 (22y) | 10% – 25% | |
| Thomas James Sherwood | Managing Partner & Chief Compliance Officer | Jan 2012 (15y) | 25% – 50% | |
| Kevin Wilson Chambers | Managing Partner & President | Feb 2014 (12y) | 25% – 50% | |
| Matthew Jacob Dressel | Registered representative | Apr 2022 (4y) | ||
| Janet Miyoko Sasaki | Registered representative | Oct 2022 (4y) | ||
| Jessica Lynn Couser | Registered representative | Mar 2025 (1y) |
Undisclosed: 0% – 40% of the firm is not attributable from the filed Schedule A bands.
Roster from the IAPD representatives feed; ownership and acquisition dates from Form ADV Schedule A/B. "Since" is the earliest filed registration or acquisition date.
Documents (1 archived)
| Form | Period | Size | |
|---|---|---|---|
| Form ADV (full filing) | 03/18/2026 | 978 KB | View · PDF · Source ↗ |
Archived copies of the firm's regulatory filings, versioned by content hash.
Disciplinary disclosures
No disciplinary events reported on the firm's latest Form ADV filing.
How they charge
- • Percentage of assets under management
Services
- • Portfolio management for individuals/small businesses
- • Portfolio management for businesses/institutional clients
Custody
Reported custodians
- Fidelity Brokerage Services $527M (97% of AUM) Mar 2026
- Fidelity Investments $378M (95% of AUM) May 2024
- National Financial Services (Fidelity) $236M (93% of AUM) May 2020
- Tiaa Cref Individual & Institutional Services, Llc $19.0M (5% of AUM) May 2024
Amounts as reported in ADV Item 5.K.(3) (custodians holding 10%+ of SMA assets).
Firm reports it does not have custody of client funds or securities (Item 9.A).
Source
All data on this page comes from this firm's Form ADV filings, reproduced without modification. Latest filing: Mar 18, 2026.
View current Form ADV (SEC/IAPD) ↗