About Water Street Financial
Winchester, VA

Built on Relationships — Not Transactions

Water Street Financial was founded in 2016 with a simple belief: financial planning should be personal, transparent, and built around real people — not products. Our Winchester, VA team has grown from that founding principle into one of the Shenandoah Valley’s most trusted financial planning firms.

Led by Managing Partner Ryan Oates, CFP® MBA CPFA, our team brings deep expertise in financial planning, investment management, tax strategies, retirement planning, and estate planning — all under one roof.

We’re proud to serve clients across Winchester, the Shenandoah Valley, Northern Virginia, and beyond. Whether you’re planning for retirement, growing a business, or building generational wealth, we’re here for every chapter.

Client First

Every recommendation starts with your goals. We act as fiduciaries — always in your best interest.

Transparency

No hidden fees, no jargon. We explain everything clearly and disclose all costs upfront.

Long-Term Thinking

We build plans for decades, not quarters. Your wealth strategy should outlast any market cycle.

Community

Winchester, VA is our home. We’re invested in this community and the families who live here.

LPL Financial

Securities offered through LPL Financial, Member FINRA/SIPC. Access to institutional-quality investment platforms and research.

Wealthcare Advisory Partners

Investment advice offered through Wealthcare Advisory Partners LLC, a registered investment advisor.

CFP® Certified

Our team holds the CERTIFIED FINANCIAL PLANNER™ designation — the gold standard in financial planning.