
Megan Waters, CFP®
Financial Advisor
Richmond and Williamsburg, VA
17+ Years of Experience
Megan Waters is a CERTIFIED FINANCIAL PLANNER™ professional and Lead Financial Advisor at Covenant Wealth Advisors, where she serves as the primary advisor for more than 60 families across Virginia and throughout the United States.
With over 17 years in financial services, Megan specializes in helping clients who are approaching retirement or already retired navigate the critical decisions that shape their financial future. Her areas of focus include retirement income planning, tax-efficient withdrawal strategies and tax planning, and investment management designed to provide both growth and peace of mind.
What sets Megan apart is her genuine commitment to building lasting relationships with her clients. She takes the time to understand not just the numbers, but the life you want to live—and brings meticulous attention to detail to every aspect of your financial plan. For Megan, success isn't measured in transactions; it's measured in the confidence her clients feel about their future.
Before joining Covenant Wealth Advisors in 2021, Megan served as a Senior Wealth Strategy Associate and Financial Advisor at UBS Financial Services, where she provided comprehensive financial planning and investment management to high-net-worth individuals, families, and institutions.
A Williamsburg, Virginia native, Megan graduated from the Honors College at the College of Charleston with a BS in Economics and a minor in Environmental Studies. When she's not helping clients plan for their best years ahead, she's enjoying those same years with her husband and two young children—usually on a boat or the ski slopes.

