Risk Management

It is more important than ever to understand and control the trade-offs between financial risk and reward. The basic principle behind all financial-risk management is the exchange of one set of risks and rewards for another that parallels our clients’ risk-tolerance and life goals. Headwaters Wealth Management can review your current financial situation and present strategies which help neutralize or transfer your unwanted risk to a third party for only a small fraction of the underlying economic value of that risk.

Our Associates

Robert B. Hayes | Partner

Bob has 22 years of experience as a financial advisor, and has served as a senior manager for one of the largest brokerage firms in the world. Learn More

Paul L. Norman | Partner

Paul has more than 24 years of experience in the financial services industry. Throughout his career, Paul has continued his passion for working with businesses and individuals to help them achieve their financial goals. Learn More

Bart Leach | Partner

Bart is a second-generation financial advisor who has spent the past 17 years building relationships with his clients based on their needs and helping them meet their goals in an understandable way. Learn More

Chris Billings, CFA | Partner

Chris has more than 19 years of experience in the investment industry. He is responsible for defining investment objectives and implementing investment strategies in accordance with those objectives. Learn More

Pamela Starks | Senior Registered Administrative Associate

Pam has more than 34 years of experience in the financial services industry, and she has backed up top advisors for her entire career. Learn More

Jackie Bernier | Senior Administrative Associate

Jackie brings more than 15 years of financial services experience to her role, and she is proud to provide clients with responsible and responsive attention to their transactions, requests and inquires. Learn More

Lisa M. Derig | Partner

Lisa has 25 years of experience in the financial industry. She has worked as a senior financial advisor at one of the world's largest financial institutions and as a vice president in private banking at two national banks. Learn More