Elevate your financial future
Not your dad’s advisor.
Experience comprehensive planning that is practical, hands-on, and unique to you.
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We help clients make great decisions with clarity and context, not guesswork
In life's pivotal moments, our team provides the critical support you need to make confident financial decisions. Our work addresses advanced planning needs common to clients with material income and increasingly complex lives. You've achieved remarkable success thus far.
Our purpose is to help you manage the escalating complexities that come with it, such as:
Equity compensation and employer benefit decisions
Multi-year tax minimization and cash-flow allocation
Funding competing goals (kids, aging parents, second homes, transitions)
Investment design that supports the plan not the other way around
Risk, insurance, and estate decisions made in sequence, not in isolation
Our principles
Because cash flow reveals truth, constraints, and opportunity faster than projections do.
We work to understand your past experiences to help you build a healthier, more effective relationship with your money today.
Our value compounds when we are not re-learning you every year.
We work with a limited number of households so we can stay responsive, thorough, and deeply familiar with context as life changes.
Who we serve
HENRYs (High Earners Not Rich Yet)
Female executives
Widows
Meet our team
Katie Waters
Katie Waters has over 18 years of experience advising executives, high-earning families, and widows. Her planning process utilizes detailed cashflow analysis and behavioral finance to assist clients in managing financial habits. In 2011, Katie founded Stable Waters Financial, establishing a team focused on client guidance. In 2025, her team joined Farther to provide this advisory process to a broader client base. Katie also supports the professional development of female financial planners. Based in Athens, Georgia, she lives with her husband, Brandon, who serves as a Client Experience Specialist for the team. They enjoy traveling, volunteering with local nonprofits, and supporting their six Godchildren.
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Katie Waters has over 18 years of experience advising executives, high-earning families, and widows. Her planning process utilizes detailed cashflow analysis and behavioral finance to assist clients in managing financial habits. In 2011, Katie founded Stable Waters Financial, establishing a team focused on client guidance. In 2025, her team joined Farther to provide this advisory process to a broader client base. Katie also supports the professional development of female financial planners. Based in Athens, Georgia, she lives with her husband, Brandon, who serves as a Client Experience Specialist for the team. They enjoy traveling, volunteering with local nonprofits, and supporting their six Godchildren.
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Cara Hedden
Cara Hedden has over eight years of experience advising career-driven women, high-earning families, and individuals navigating life transitions. As part of the Stable Waters Financial x Farther team, she utilizes a planning process centered on cashflow analysis and behavioral finance to help develop financial habits. Cara contributed to the development of the Apprentice to Planner model at Stable Waters x Farther. A graduate of the University of Georgia with a degree in Financial Planning, she earned her CERTIFIED FINANCIAL PLANNER® professional designation in 2024. Her expertise includes cashflow planning and modeling financial scenarios to assist clients during periods of change. Based in Northeast Georgia, Cara lives with her husband and two sons. She spends her personal time attending her children’s activities, reading, and traveling.
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Cara Hedden has over eight years of experience advising career-driven women, high-earning families, and individuals navigating life transitions. As part of the Stable Waters Financial x Farther team, she utilizes a planning process centered on cashflow analysis and behavioral finance to help develop financial habits. Cara contributed to the development of the Apprentice to Planner model at Stable Waters x Farther. A graduate of the University of Georgia with a degree in Financial Planning, she earned her CERTIFIED FINANCIAL PLANNER® professional designation in 2024. Her expertise includes cashflow planning and modeling financial scenarios to assist clients during periods of change. Based in Northeast Georgia, Cara lives with her husband and two sons. She spends her personal time attending her children’s activities, reading, and traveling.
Abigail Evans
Abigail Evans graduated from the University of Georgia with a bachelor’s degree in Financial Planning and is a candidate for the CERTIFIED FINANCIAL PLANNER® designation. She is in the final year of her three-year apprenticeship with the Stable Waters Financial all-female planning team.
As an integral part of client success, Abigail helps guide clients through the planning process from start to finish—coordinating action items, ensuring seamless execution, and fostering confidence along the way.
Outside of work, Abigail enjoys reading, spending time outdoors, and visiting her parents at the lake or her sister at the coast.
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Abigail Evans graduated from the University of Georgia with a bachelor’s degree in Financial Planning and is a candidate for the CERTIFIED FINANCIAL PLANNER® designation. She is in the final year of her three-year apprenticeship with the Stable Waters Financial all-female planning team.
As an integral part of client success, Abigail helps guide clients through the planning process from start to finish—coordinating action items, ensuring seamless execution, and fostering confidence along the way.
Outside of work, Abigail enjoys reading, spending time outdoors, and visiting her parents at the lake or her sister at the coast.
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Brandon Waters
Brandon Waters joined the Stable Waters x Farther team in 2022 as a Client Experience Specialist. He is a human Swiss Army knife, and dives in to help in all aspects of making the firm run smoothly. He retired as a Journeyman Lineman with a local power company after 16 years of service, and previous careers included cable tv experience, landscaping, and electrical supply delivery. Brandon can operate various forms of heavy machinery, fix the internet when it goes out, and rewire anything that needs it.
Brandon obtained his Insurance License in 2024 to further help Stable Waters x Farther clients in fulfilling a crucial part of their financial plan execution, which is protecting those whom our clients love most.
Brandon Waters joined the Stable Waters x Farther team in 2022 as a Client Experience Specialist. He is a human Swiss Army knife, and dives in to help in all aspects of making the firm run smoothly. He retired as a Journeyman Lineman with a local power company after 16 years of service, and previous careers included cable tv experience, landscaping, and electrical supply delivery. Brandon can operate various forms of heavy machinery, fix the internet when it goes out, and rewire anything that needs it.
Brandon obtained his Insurance License in 2024 to further help Stable Waters x Farther clients in fulfilling a crucial part of their financial plan execution, which is protecting those whom our clients love most.
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Past performance is no guarantee of future results. Different types of investments involve varying degrees of risk. Therefore, there can be no assurance that the future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by Farther Finance Advisors, LLC [“Farther”]), or any consulting services, will be profitable, equal any historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Neither Farther’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if Farther is engaged, or continues to be engaged, to provide investment advisory services. Farther is neither a law firm, nor a certified public accounting firm, and no portion of its services should be construed as legal or accounting advice. Moreover, no portion of this discussion or information serves as the receipt of, or a substitute for, personalized investment advice from Farther. A copy of our current written disclosure Brochure discussing our advisory services and fees is available upon request or at www.farther.com. The scope of the services to be provided depends upon the needs and requests of the client and the terms of the engagement.
Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your account holdings correspond directly to any comparative indices or categories. Please also note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your accounts; and (3) a description of each comparative benchmark/index is available upon request.
This document is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, plan feature or other purpose in any jurisdiction, nor is it a commitment from Farther Financial Advisors, LLC or any of its subsidiaries or related entities to participate in any of the transactions mentioned herein. Any examples used are generic, hypothetical, and for illustration purposes only. This material does not contain sufficient information to support an investment decision, and it should not be relied upon by you in evaluating the merits of investing in any securities or products. In addition, users should make an independent assessment of the legal, regulatory, tax, credit, and accounting implications and determine, together with their own financial professional, if any investment mentioned herein is believed to be appropriate to their personal goals. Investors should ensure that they obtain all available relevant information before making any investment. Any forecasts, figures, opinions, or investment techniques and strategies set out are for information purposes only, based on certain assumptions and current market conditions and are subject to change without prior notice. All information presented herein is considered to be accurate at the time of production, but no warranty of accuracy is given and no liability in respect of any error or omission is accepted. It should be noted that investment involves risks; the value of investments and the income from them may fluctuate in accordance with market conditions and taxation agreements, and investors may not get back the full amount invested. Both past performance and yields are not reliable indicators of current and future results.
This website utilizes technologies such as cookies to enable essential site functionality, as well as for analytics, personalization, and targeted advertising. To learn more, view our Privacy Policy.*Chart Disclosures:
1. The targeted annual return of 8% is a forward-looking projection methodology, based on modeling of potential market scenarios and is not a guarantee of future performance.
2. This projection was not actually achieved by any portfolio and represents a hypothetical estimate of potential returns under specific assumptions listed."
3. Risks: Actual returns may differ materially due to: market volatility exceeding modeled parameters; changes in economic conditions, interest rates, or regulatory environment; implementation costs and timing differences; unforeseen geopolitical events.
4. The probability of achieving this target is inherently uncertain, and losses are possible.
5. There is no assurance that any portfolio will achieve returns similar to these hypothetical projections. Past performance, whether actual or hypothetical, is not indicative of future results.
