After graduating from the University of Georgia in 2007, Katie joined a financial planning firm in Atlanta and began building her practice. It did not take long to realize that the type of planning she aspired to provide for her clients differed from the traditional planning firm model, which places all emphasis on assets coming in the door and very little emphasis on cashflow planning.

In 2011, Katie set out on her own and founded Stable Waters Financial, a comprehensive financial planning firm. Instead of focusing on just a couple of areas, such as investments and insurance, she begins with cashflow planning before tackling the other areas of planning: retirement, investments, college savings, insurance, estate and tax planning. Her process evolved until it became the streamlined system that she operates today, which begins with an intensive cashflow and behavioral finance analysis in order to create or reshape good financial habits. You can read more about the planning process under “The Process” tab.

Katie resides in Athens, Georgia with her husband Brandon. They enjoy traveling and are always planning their next adventure. Her previous community involvement has included the Women of UGA planning committee, volunteering in patient feeding at the Shepherd Center, Junior Committee at Shepherd Center, serving as an officer on the Board of Directors of the Atlanta 2 Day Walk for Breast Cancer, the Salvation Army Women’s Auxiliary in Athens, and the Board of Directors of the Junior League of Athens. She also volunteers to coordinate the Big Hearts Banquet for Extra Special People, Inc.

Her clients reside in Georgia, California, Colorado, Connecticut, Florida, Illinois, Massachusetts, Maryland, Maine, Michigan, Missouri, North Carolina, New York, Oregon, Texas and Virginia but she is open to adding new states if it is a good fit.

Please be advised that presently Katie Waters holds series 6 and 65 licenses in CA, CO, CT, FL, GA, IL, MA, MD, ME, MI, MO, NC, NY, OR, TX, and VA. For residents of other states in which registration is not held, proper licenses and registrations must be obtained by representatives before proceeding further. No part of this communication should be construed as an offer to sell any security or provide investment advice or recommendation. Securities offered through ProEquities, Inc. will fluctuate in value and are subject to investment risks including possible loss of principal.


Cara Hedden, Advisor Assistant

Cara Hedden is currently finishing her bachelors degree in financial planning from the University of Georgia. She is responsible for all scheduling, preparation of casework, and paperwork for client reviews and meetings. Cara is passionate about client services and helping our clients achieve their financial goals.

Cara currently resides in Maysville, GA with her husband and son. She enjoys golfing, a good cupcake, and  spending time with family and friends.