Part 2B of Form ADV

As Portfolio Manager and Retirement Specialist, Tom assumes many of the day-to-day responsibilities: responding to client inquiries, portfolio analysis, retirement forecasting, trading, and research.

Tom earned his BA with a double major in Economics and Finance in 2010 from Linfield College, received his Certified Financial Planner™ (CFP^®) designation in 2015, and completed the University of Oregon Executive MBA program in June 2017. Additionally, Tom has a Chartered Retirement Planning Counselor℠ (CRPC^®) and a Chartered Retirement Planning Specialist℠ (CRPS^®) designation from the College of Financial Planning. Before joining Headwater Investments in 2011, Tom worked at Morgan Stanley in Portland, Oregon, as a Financial Advisor.

In his free time, Tom serves on the Board of Directors of Delta Psi Delta at Linfield College, which is among the oldest local fraternities in the United States and is a member of the McMinnville Noon Rotary Club. He completed the McMinnville Area Chamber of Commerce Leadership Program in 2013 and the Newberg Chamber of Commerce Leadership Program in 2017. Tom served as Treasurer for the Yamhill County Cultural Coalition from 2014 to 2016. Tom and his wife Rose live in Sherwood, Oregon, and spend their free time outdoors, reading, golfing, and bike riding.  

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

CB joined Headwater Investments in 2006 to manage the web-based and traditional marketing efforts, respond to client requests and inquiries, supervise and coordinate the firm’s information technology systems, and handle office administration.

CB earned her BS in International Business from Linfield College in 1994. For the next 10 years, she held various roles at adidas in Portland, Oregon, in the Global Footwear Logistic and Apparel Marketing groups, including Product Line Manager, Merchandise Manager, and Operations Manager.

She stays active in the community as a group fitness instructor, a volunteer in her sons’ schools, and a mentor to Linfield students. CB has previously served as an advisor on the McMinnville Area Chamber of Commerce Leadership Committee and as President of the Board of Directors for Trinity Learning Center and the PTA of an elementary school. She has recently joined the board for the McMinnville Education Foundation.