About Us

Intergenerational Care for Multigenerational Families

Based in Bellevue, Washington, just East of Seattle, Headwater Wealth Advisors is a multigenerational retirement planning and wealth management firm. We offer personalized planning and direct investment management to deliver bespoke solutions rooted in trust, clarity, and long-term relationships.

What sets us apart isn’t just our experience—it’s how we show up. We answer the phone. We know your family. Over time, we often become part of your story. It’s a personal approach built on consistency, care, and genuine connection—so you always know who’s guiding your wealth, what you have, and why.

Meet Your Wealth Advisory Team

As a father-son team, we bring an intergenerational perspective to everything we do, combining John Kozol’s 40 years of experience and old-school, hands-on approach and dependability, with John Jr. Kozol’s fresh insight and careful planning as a CFP® professional. Together, we offer consistent, personalized guidance across generations of client relationships.

John J. Kozol, CFA, CWS

Wealth Manager

(425) 279-1077

John is a graduate of the University of Washington Foster school of Business with a concentration in Finance. He holds the designations of Chartered Financial Analyst (CFA) and Certified Wealth strategist (CWS). For leisure activities...

John Kozol Jr. CFP®, CWS®

Wealth Manager

(425) 279-1078

Born and raised in the Seattle’s Eastside, John got his degree in Economics from the University of Washington. He holds the Certified Financial Planner (CFP) & Certified Wealth Strategist (CWS) designations. In his free time, he enjoys...

Alissa Hashisaka

Administrative Assistant

From Sacramento, CA, Alissa graduated from Oregon State University with a Fine Arts degree. She joined the firm in 2024 and attained her Series 7 registration. She now works for the team remotely in a service support role. Outside the...

We Design Bespoke Portfolios With Researched Investments

We do our own research and often select individual stocks to create highly personalized portfolios that reflect your goals, values, risk tolerance, and timeline. It’s a hands-on approach that intentionally builds your clarity, confidence, and a direct connection to what you own—and why you own it.

We Plan With Your Whole Wealth Picture In Mind

We go beyond basic investment management to understand your life and the complete picture around your wealth. From retirement income and tax strategy to estate planning and big life decisions, we help you connect the dots. It’s all part of a thoughtful, long-term approach tailored to you and your family.

What You Can Expect From Our Team

Our values shape every relationship, every portfolio, and every recommendation. They reflect why and how we work, and guide how we show up—for you, your family, your future, and every decision in between.

Empower With Education

We help you understand what you own and why you own it, because clarity builds confidence. We take the time to answer questions so you can make decisions without second-guessing.

Conduct The Research

We believe that you deserve guidance and advice backed by real understanding, not mass marketed models. That's why we do our research and analyze every investment ourselves.

Build Bespoke Portfolios

We don’t do cookie cutter or off-the-shelf portfolios. We individualize your investment strategy with allocations and stocks that support your goals and reflect what matters most to you.

Generational Planning

We’re a multigenerational team serving multigenerational families. We approach every relationship with a sense of legacy and the responsibility that comes with it.

Create The Lifestyle And Legacy You Envision

We help you grow and protect wealth not just for your lifetime—but for the people and causes that matter most to you. As a multigenerational team ourselves, we bring the perspective, continuity, and care it takes to plan well through every season of life and across generations.

Let’s Bring Clarity To Your Wealth

Whether you're planning for retirement, managing complex assets, or thinking ahead for your family—we’re here to help you feel confident about your lifestyle and the financial decision you make.

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Who We Serve

Based in Bellevue, WA, Headwater Wealth Advisors helps families, professionals, and retirees plan for their desired lifestyle and legacy.

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Our Holistic Approach

Headwater Wealth Advisors is a retirement planning and wealth management firm located near Seattle, WA. We specialize bespoke planning and portfolios.

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Let's Get Started

How can we help? Reach out to our Bellevue-based team for personalized wealth management, retirement, and investment guidance and solutions.

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