Cain, Watters & Associates, LLC is a registered investment advisor based in Frisco, Texas, that has been providing services since 1984. The firm specializes in delivering broad-based financial planning, retirement planning, business planning, and investment management services, with a strong focus on serving dental healthcare professionals and business owners. Cain, Watters & Associates takes a holistic approach to helping clients manage both personal and professional finances, covering areas such as tax planning strategies, debt structure, practice expansion, estate planning review, and portfolio analysis. The firm offers various investment programs, including a pooled investment program through an affiliated national bank, unified managed accounts, separately managed accounts, and donor-advised fund services, utilizing both discretionary and non-discretionary authority. Clients typically attend an initial in-person meeting at the firm's Frisco office for comprehensive planning, followed by ongoing reviews, updates, and annual consultations.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1.0M - $3.0M | 0.80% |
| $3.0M - $5.0M | 0.75% |
| $5.0M - $10.0M | 0.60% |
| $10.0M - $15.0M | 0.50% |
| $15.0M - $20.0M | 0.45% |
| $20.0M - $25.0M | 0.40% |
| $25M+ | 0.35% |
Fees are negotiable at the firm's discretion. Other investment programs have different fee structures, such as the Pooled Investment Program at 0.65% total and Separately Managed Account Program charging up to 0.66% for Cain, Watters & Associates plus up to 0.70% for third-party managers.