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Wealth Services

Individualized Service And Tailored Solutions

At Kozol Financial Advisors, we understand that true wealth management goes beyond just managing investments. It’s about creating a holistic financial strategy tailored to your life and legacy. Whether you're nearing retirement or managing your family’s wealth, we are here to provide clarity, personalized service, and intergenerational wealth planning to help you pursue your financial goals.

Create Wealth

  • Investment Selection
  • Tax Planning & Strategies
  • Business Planning
  • RSUs and Executive Compensation Strategies


We focus on building and growing your wealth with customized financial and tax planning strategies. Our expert guidance helps business owners and executives maximize their earnings and plan for future success, ensuring every decision helps you do more with your wealth and supports your long-term lifestyle and financial goals.

Manage Wealth

  • Financial Planning
  • Portfolio Management


We manage your investments with precision, focusing on individual, researched stock selections and bespoke portfolios to fit your goals, timeline, and risk comfort level. Our comprehensive wealth management approach is designed to provide clarity and give you confidence in making decisions toward your long-term financial well-being.

Protect & Distribute Wealth

  • Retirement Planning
  • Estate & Legacy Planning
  • Insurance Planning


Through careful, holistic planning, we focus on protecting your wealth and ensuring it flows seamlessly to future generations. By integrating tailored retirement, estate and legacy, and insurance planning, we help create the continuity necessary to preserve your legacy and support your family's long-term financial well-being.

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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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About Us

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

Contact Us Today