Great Waters Financial fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed February 14, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$150⁠-⁠$350/hr

“Registrant’s planning and consulting fees are negotiable, but generally range from $2,000 to $4,500 on a fixed fee basis, and from $150 to $350 on an hourly rate basis, depending upon the level and scope of the service(s) required and the professional(s) rendering the service(s).”

Flat or project fee

$2,000⁠-⁠$4,500

From the same sentence as above.

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Great Waters Financial bills

Payment and refund terms, quoted from the fee section of the brochure.

• “In the limited event that the Registrant bills the client directly, payment is due upon receipt of the Registrant’s invoice.”
• “The Registrant shall deduct fees and/or bill clients quarterly in advance.”
• “Upon termination of agreement the Registrant shall refund to the client a pro-rated portion of the prepaid advisory fee based upon the number of days service was provided during the current billing period.”

How Great Waters Financial’s fees compare

• Its hourly rate of $150-$350 spans the Minnesota median of $263. 35% of the 115 other Minnesota planners that publish an hourly rate charge less.
• 1 of the 2 other planners in Shoreview that publish an hourly rate charge less.
• Its flat or project fee of $2,000-$4,500 is below the Minnesota median of $5,250. 36% of the 108 other Minnesota planners that publish a flat or project fee charge less.
• 2 of the 2 other planners in Shoreview that publish a flat or project fee charge less.

About Great Waters Financial

• Firm size: 42 employees.
• Founded: 2020 (6 years).

Planning areas mentioned in the brochure

• Tax planning
• Estate planning

Firm details from Form ADV

How the firm is paid

Hourly fees, fixed or flat fees, percentage of assets under management

Charges a % of assets

Yes

Clients

1,627

Employees

42

Works with

Individuals and high net worth individuals

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, portfolio management for businesses and institutions, selecting other advisers, and educational seminars and workshops

Assets managed

$1,235,101,181

Registered with

U.S. Securities and Exchange Commission

Disciplinary disclosures

None reported

SEC CRD number

308215

Website

youtube.com/guardianretirement (opens in new tab)

Phone

(612) 360-2127

Can advise clients in 10 states: Arizona, California, Florida, Georgia, Illinois, Minnesota, Nebraska, South Dakota, Texas, Wisconsin

Other planners in Shoreview that publish fees

• Aberdour InvestmentsShoreview$80⁠-⁠$250/hr, $250⁠-⁠$5,000
• Guide Financial PlanningShoreview$250/hr, $1,800⁠-⁠$4,500
• 360 FinancialWayzata$325/hr, $600⁠-⁠$20,000
• 7TH ST. FinancialChaska$200/hr
• Abbey StreetEden Prairie$250⁠-⁠$1,000/mo
• Abens Financial Services IncEdina$250/hr, $5,000⁠-⁠$100,000/yr

Compare all 3 planners in Shoreview