Our Clients

Our purpose is to create life-long relationships with our clients and their families by bringing simplicity and confidence to their financial lives.

Individuals & Families

CalmWater Financial Group® was founded nearly 30 years ago in Norfolk serving clients both locally and nationwide. The organization is fortunate to have 20+ bright individuals including 11 full time financial planners with a combined industry experience of 160 years. Between those 11 Financial Planners they hold 19 financial planning designations reflecting their desire to provide knowledgeable advice to the clients they serve. As a whole they are deeply committed to providing excellent service paired with quality & timely advice for you the client. It’s the CalmWater difference. Read more on our advisors here and get a conversation started with one of them today.


CalmWater Financial Group® was founded nearly 30 years ago and has grown to facilitate a nationwide corporate wealth education program which is now comprised of 60 direct & affiliated advisors operating in over 50 different locations across the country.  Our back office horse power is supplied by Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Advisor & Broker/Dealer which was established in 1979 and has more than *$296.3 billion in total assets. The group prides itself on being independent, meaning that they have no affiliations with any one company and this arrangement provides the best environment to serve their clients in a fiduciary capacity. CalmWater’s key differentiator is our corporate wealth education program that has been receiving national attention Forbes Magazine for our approach. CalmWater currently oversees $1.5 billion dollars along with multiple Wealth Management Consulting Agreements with corporate clients whose retirement plans total over $4 billion. Learn more about the CalmWater difference by talking with us today.

* as of December 31, 2023
† as of April 30, 2024
‡ as of December 31, 2018

Small Business Owners

CalmWater Financial Group® knows your business is incredibly important not only to you & the individuals you employ but also for the customers you serve. We provide businesses and owner operators with the financial tools and guidance they need so they can pursue the things that matter most. From employee benefit packages designed to help attract & retain talented help, to retirement savings strategies unique to business owners or planning on how to transition the business on to the next generation. Our business owner clients are smart people and are proud of what they have built BUT like us, they most likely didn’t get to where they are in life without the support of friends, family and often a team of qualified professionals willing to lend a hand, ear or suggestion along the way. Reach out out to us to learn more on how we may be of service so you can focus on what YOU do best.


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Your financial life, simplified.

We’ll take time to listen and understand your unique situation and needs, then craft a thoughtful financial plan for you. Our services include:

  • Social Security Planning
  • Medicare Planning
  • Estate Planning
  • Insurance Planning
  • Investment Planning
  • Retirement Planning
  • Tax Planning
  • Corporate Retirement Plans
  • Financial Planning
  • Long-Term Care Planning
  • A Holistic Approach
  • And more

How can we create financial confidence for you?

Calmwater Financial Group® puts People First, using a clearly defined Process to give you greater clarity and confidence. Because of our independence, you also have access to a wider variety of non-proprietary Solutions, which support a Plan designed specifically for you and your loved ones.