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(540) 450-8351 Mon–Thu: 9AM–4PM · Fri: By Appointment Only
Water Street Financial team in Winchester VA
Winchester, VA Financial Advisors

Find YourFinancial Future

Personalized financial planning and wealth management for individuals, families, and business owners.

Who We Are

Professional backgrounds.
Personal relationships.

Founded in 2016 in Winchester, VA. Led by Managing Partners Ryan Oates, CFP® and Chris Cotterell, CFS®.

Fiduciary advisors, always in your best interest

8 team members, decades of combined experience

Securities through LPL Financial, Member FINRA/SIPC

In person or virtual, whatever works for you

Water Street Financial advisory team in Winchester VA
The WSF Difference

From the beginning, we show you
what sets us apart.

Services at a glance WSF Others
Comprehensive Financial Planning
Investment Management
Tax Planning Included
Estate Planning Included
Retirement Income Planning
Fiduciary Standard
Transparent Fees
Virtual Meetings Available
01

We Listen

Share your goals and dreams so we fully understand your vision.

02

We Plan

Your vision becomes clear, actionable steps across your financial life.

03

We Partner

We monitor and adjust so your plan stays on track as long as you need it.

Meet the Team

The people behind your plan.

Our Winchester, VA team brings decades of combined experience to every client relationship.

Ryan Oates CFP MBA CPFA Managing Partner
Ryan Oates
CFP®, MBA, CPFA®
Managing Partner & Co-Founder
Chris Cotterell CFS Managing Partner
Chris Cotterell
CFS®
Managing Partner & Co-Founder
Angela Morrison Founding Member and VP of Operations at Water Street Financial in Winchester VA
Angela Morrison
Founding Member & VP of Operations
Tommy Stine
Thomas E. Stine
Sr. Planning & Wealth Advisor
Katie Lopez
Katie Lopez
Wealth Advisor
Katie Hershey
Katie Hershey
Paraplanner
Birdie Hughes
Birdie Hughes
Administrative Assistant
Peyton Cotterell
Peyton Cotterell
Communications & PR Assistant

Ready to take the next step?

Schedule a complimentary consultation with our Winchester, VA team.

Schedule a Consultation →
Where We Serve

Winchester, VA is
our home.

335 Westside Station Drive. Serving the Shenandoah Valley, Northern Virginia, and clients nationwide since 2016.

See Our Service Area →
Water Street Financial office in Winchester VA