1. PERSONALLY INVESTED
IN YOU AND YOUR SUCCESS
WEALTH MANAGEMENT
FINANCIAL PLANNING
ASSET PROTECTION
waite financial
crafting protectorates for your vision

2. Who are my clients?
Waite Financial clients are affluent individuals and families who desire a holistic approach to their
wealth management and legacy planning.
• Oftentimes they are in significant transition and require strategic help, for example, with:
… the timing of retirement
… complex tax or estate planning issues
… the timing and exercise of stock options, deferred compensation payouts, and other
business/career benefits.
… the sale of a closely held business
• Sometimes they are “suddenly wealthy” as a result of an unexpected inheritance, a
significant liquidity event, or an increased value in a concentrated stock position.
• Many are women who seek safe environments where they are not pressured into making hasty
planning and investing decisions.
These situations oftentimes present more complexity and require an understanding of family
dynamics and aspirations and an ongoing process to address the opportunities and risks that
accompany them.
Who is Katherine Newton?
For over 30 years I have been crafting benevolent protectorates for my clients’ wealth so they are
free to live lives of meaning and purpose.
This slightly unusual way of using the word protectorate is to emphasize that my greatest aim is
ensuring my clients’ goals and dreams are heard, clearly articulated, honored, and protected. The
work I do is entirely about you my client with complete focus on you and what is important to you.
Together we will design a blueprint for safeguarding, augmenting, and growing your wealth. We
work carefully over time to avoid potholes and temptations born out of greed (e.g., from get-
rich-quick schemes) and fear (e.g., over-reaction to headlines) so that you are able to achieve your
dreams.
Why Waite?
My ancestors’ family name “Wayte” or “Wayghte” means “to keep watch”. The Waites in medieval
Wales and England were the trusted and vigilant advisors to the Royal Court.
I wanted a name that would express both my love of my own family and my deep desire to serve
the needs of other families whose own deepest desires are to create, protect, and manifest their
own legacies.
The choice of a name for my firm was simple. Waite Financial it was and is.
KATHERINE S. NEWTON
CFP®
, ChFC™
Crafting Protectorates for over 30 years

3. My Promises to You:
You will receive:
• Objective Advice, Unencumbered by Conflicts of Interest
• Complete Transparency: No Hidden Agendas or “Muddied Waters of Fees, Both Visible and Invisible”
• Exceptional Client Service
• Customized Retirement Planning, Updated Annually
• Dynamic Portfolio Management
• Personalized Investment Policy Statement
• Quarterly Phone Updates
• Semi-Annual In-Person Financial Reviews
• Quarterly Newsletter
• Complimentary Online Account Access
• Same Day Call Back Commitment
• Team Approach to Any Legal or Tax Strategies
• Invitations to Educational Seminars
• Liaison to Other Professionals
• Sense of Contentment and Peace of Mind
“My greatest aim is ensuring my clients’ goals and
dreams are heard, honored, and protected.
The work I do is entirely focused on you and what
is important to you.”

4. Independent with superior RESoUrCES
Since the early years of my career, my employers have been my clients,
not a Wall Street firm. Pioneers of independence, transparency, and open
architecture investing, at Waite Financial we are bottom-lined oriented, but
the bottom line we focus on is yours.
Cetera Advisor Networks, one of the largest broker-dealers for independent
advisors, has been my home since 2001. This gives me access to top-drawer
research and the full universe of investment options for ensuring your portfolio
goals are met.
Strategic Partner and Investment Strategist Larry Carroll of Carroll Financial,
Charlotte, NC, shares my commitment to high ethical standards and an ability
to take complicated topics and distill them into simple language.
Katherine S. Newton
Certified Financial Planner™
Chartered Financial Consultant
Waite Financial
PO Box 1177  Hickory, NC 28603
428 4th Ave NW  Hickory, NC 28601
Registered Representative of and Securities and Investment Advisory Services offered through Cetera Advisor Networks, member FINRA/SIPC.
Waite Financial and Cetera Advisor Networks are unaffiliated.
828.322.9595  866.716.8663 (fax)
katherine@waitefinancial.com
www.waitefinancial.com