Who We Are
We are smaller than most by design. Deeper relationships don’t get formed when you’re working with too many people. We care for each other, just the way we care for our clients. It’s best to serve from a place of strength and confidence where everyone around you is there to support you.
Waterway Wealth Management is an independent financial planning firm that provides comprehensive financial planning and asset management. We serve as guides and teammates for executives, professionals, small business owners and their families. Our commitment is to build and maintain deeper relationships and empower clients to live a full life right now.
Waterway Wealth Management is a Federally Registered Investment Advisory firm. *
Registration does not imply a certain level of skill or training.
The Woodlands Team
Daniel P. Michalk
CFA, CFP®, ChFC
Dan Michalk is the founder and owner of Waterway Wealth Management and has been doing financial planning for 25+ years. He graduated from Texas A&M University (which a few of his clients still hold against him) with a B.S. in Mechanical Engineering. In 1994, Dan began working in the financial planning industry.
Dan earned a Chartered Financial Analyst Designation, CFA, granted by the CFA Institute. The CFA designation is globally recognized and attests to a charterholder’s success in a rigorous and comprehensive study program in the field of investment management and research analysis. He is a CERTIFIED FINANCIAL PLANNER™, a designation granted by the CFP® Board of Standards, Denver, Colorado, and a Chartered Financial Consultant (ChFC), a designation granted by the American College of Bryn Mawr, Pennsylvania. In plain English, this means he’s held to a higher standard as an advisor and is required to excel in the function of his work. Dan is also a member of the Financial Planning Association (FPA).
Dan is, well, Dan. When you’re with him in the office, playing golf, or sampling some red wine from a tolerable vintage, he’s consistent, quick to smile, and honest when he speaks. Dan also loves to read, but we’re still unsure if audible counts while he trains for triathlon competitions. Dan is a member of The Woodlands United Methodist Church, but his faith is the daily kind; it’s as much a part of him at his desk as it is in the pew. He is also a proud supporter of Children’s Safe Harbor, Meals on Wheels, and various other local charities.
Naturally, Dan lives here in The Woodlands, Texas, with his wife, Lisa Benge Michalk, and his three sons.
Robert B. Dwyer
Robert Dwyer graduated from Texas A&M University with a B.B.A., double major in Finance and Accounting. A proud member of the Fightin’ Texas Aggie Class of 1995. He began working in the financial planning industry in 1997 and has been a part of Dan’s team since November of 2009. Robert is a member of the Financial Planning Association (FPA). He earned his CERTIFIED FINANCIAL PLANNER™ designation in 2004.
Robert is currently involved in Scouts BSA as a district unit commissioner, Committee Chair of Venture Crew 424 and as Assistant Scoutmaster in Troop 424 in Katy, Texas. Having previously served as Scoutmaster of Troop 424 for many years he finally gave up the reins in 2019. Past activities include 2004 President and 2005 Chairman of the Reveille Club of Houston, and 2012 Nation Chief of the Indian Guides/Princess program through the Katy YMCA. He and his family are members of Grand Lakes Presbyterian Church.
After 20 years in Katy, Robert and Sarah (A&M Class of ’96) moved to Tomball in 2020. Three of their 4 children are proud Aggies, Class of ’19, ’23 & ’25. The youngest keeps them busy with 4H (Rabbits & Lamb) and competitive travel softball. They enjoy traveling in their RV, spending long weekends at softball tournaments, and relaxing with close friends and family. With a love for animals, it’s natural to spend their days with their 2 dogs, three cats, 10 rabbits, 19 Chickens, 4 fish, and a beehive (Sweet Badger Honey).
281.363.0000 ext. 802
Jack D. Cowling
Jack graduated with a BBA/finance from the University of North Florida. He also earned the Chartered Financial Analyst (CFA) designation and is a member of the CFA Institute.
Jack joined Waterway Wealth Management in April 2019 as Portfolio Manager and has over 20 years of investment experience. The last seven years have been in investment leadership roles. He started his career in larger banking organizations primarily in analyst or portfolio management roles. He later co-founded an Independent, registered investment advisor firm in 2012 which sub-advised private partnerships and mutual funds for institutional investors, high net worth and ultra-high net worth clients of well-known banking and investment institutions.
Jack moved to the Houston area with his wife Lisa and son Liam in 2015 and later, in 2016, moved to The Woodlands where they currently reside. Jack enjoys reading, spending time with his family on the weekend and Astros baseball.
281.363.0000 ext. 821
Annie Hames graduated from Houston Baptist University in 2004 with a B.B.A. double major in Management and Marketing. After graduation, Annie began her career in the banking industry, working in several divisions throughout the bank with most of her time in Commercial Lending. After listening and learning from clients, Annie wanted to make an impact on the people within the commercial businesses she was serving. She joined Waterway Wealth Management in March 2015 as an Associate Financial Planner and is currently studying for her Certified Financial Planner designation. She enjoys working with individuals and their families to shape their financial future.
Annie has served as a past board member of the Klein ISD Education Foundation and as a Leadership Volunteer within the school district on several committees including: Superintendent Search, Bond Committee, and Pathway Leadership. Annie currently serves on the Scholarship Committee of the Houston Livestock Show and Rodeo and as a Reading Buddy with Bridging for Tomorrow outreach ministry in the Title I school areas of Klein ISD.
Annie currently resides in Spring with her husband, Eric, and their two children Ethan (8) and Addison (2). They are active members of Faithbridge Church and are current members of Cub Scout Pack 1655. She enjoys cooking, traveling, and entertaining family and friends.
281.363.0000 ext. 804
Leah grew up in northeastern Ohio and graduated with a BBA from Kent State University with a focus on Economics. Leah earned her Certified Financial Planner’s Designation (CFP®) in April 2021. Her early career included positions in short-term lending and banking. She transitioned into the financial industry in 2011 where she aided with group retirement account participants, life insurance clients, and investors of high-risk investments and crowdfunding. Leah moved to Texas in 2015 and has recently moved to the Spring area with John, her husband of 4 years. She enjoys traveling and cruising with family, trips to the beach, cycling, visiting micro-breweries, and hiking with her 4-year-old Aussie and Sheltie dogs. Leah and John are expecting their first child in August 2022.
Jeff Pusich joined Waterway Wealth Management as an Associate Portfolio Manager in July 2023. He brings a wealth of experience and a strong commitment to personalized wealth management. Relocating from the Pacific Northwest, Jeff values the "listen and listen more" approach to client interactions that defines Waterway Wealth Management.
With a BBA from Gonzaga University, Jeff's journey began in Alaska before he ventured to the "lower 48" on a baseball scholarship. An investing club meeting changed the course of his career, leading him to become a research analyst and Investor Relations manager for a prominent national company. Jeff's expertise spans various financial products and services, showcasing his direct client service involvement. He approaches portfolio research with a careful, attentive eye and a holistic evaluation of financial options.
Settling into The Woodlands area, Jeff maintains his love for the outdoors and enjoys the local scene. He's a golf enthusiast, baseball fan, and a proud Gonzaga alum each basketball season - especially during March Madness.
John joined Waterway Wealth Management in August 2023 as the Director of Operations He is a seasoned team player with a strong drive for growth. His extensive experience in overseeing administrative, financial, and operational functions is a valuable asset for advancing Waterway's client-centric mission.
John's impressive career includes roles as a Chief Operating Officer and Chief Compliance Officer at a prestigious capital management firm, where he excelled in process optimization. Originally from New York, John graduated from Pace University in 1989 with a Bachelor of Science in Accounting. He began his career in banking, transitioning to investment firm operations. In 2004, he moved to Los Angeles as an investment operations manager and later settled in Memphis, taking on his first C-suite role.
Driven by a desire for a quieter life, John joined Waterway, attracted by its people-first, relationship-focused philosophy. He values nurturing his team and building strong client relationships, prioritizing accessibility, and accountability.
Outside of work, John coaches his kids' basketball teams and enjoys gardening with his wife, Nery. Their family is settling into Conroe and are enjoying the small-town feel of their new neighborhood.
Sherri Jones is native Texan, raised in Nederland. She is a 2007 graduate from The University of Texas at Tyler where she received a Bachelor’s of Business Administration in Finance. After graduation, Sherri began working in the banking industry as a Financial Service Representative.
Sherri joined Waterway Wealth Management in September 2015 as a Client Care Coordinator. She acts as contact for client meetings, assisting clients with account maintenance and inquiries
Sherri currently resides in Spring with her husband, son and daughter. She enjoys cooking, traveling and spending time with her family and friends.
281.363.0000 ext. 800
Aaron Hoge graduated with a BBA/Management from Texas A&M University’s class of 1993. Aaron brings over 25 years of experience in customer service, operational efficiencies and adherence to compliance requirements. He joined Waterway Wealth Management in April 2019 as a Client Services Specialist.
Aaron grew up in The Woodlands, moving here in 1981 with his family. He currently resides in The Woodlands with his wife Stacey, also a long term Woodlands resident, and their two children. He enjoys traveling in the Texas Hill-Country and anywhere there is a beach.
281.363.0000 ext 820
Kristen Cardoza made her way to Spring, Texas in 2014 via Northern California and New Orleans.
Kristen joined Waterway Wealth Management in April, 2018 as our Client Care Coordinator. She acts as contact for client meetings and is the friendly voice you hear when you call our office. She keeps Waterway Wealth Management’s schedule running smoothly and efficiently.
During her off time, Kristen enjoys gardening, listening to many genres of music and time with friends and family.
Kristen and her husband Blaise live in Spring with their daughter Olivia.
281.363.0000 ext 800
Yvonne Allen, raised in College Station, Texas, is a graduate of Texas A&M University with a B.S. in Economics and Industrial Distribution. She moved to the Houston area in 1993 and has a back ground in the real estate industry. She joined Dan’s team in the summer of 2011 as the Office Manager.
Yvonne handles company operations including accounting, compliance and human resources. She keeps Waterway Wealth Management operating effectively and efficiently.
She is a member of the Houston A&M Club and the Reveille Club and an avid football fan. Yvonne now resides in The Woodlands where her hobbies include golf, travel, and spending time with friends and family.
281.363.0000 ext. 803n
Organizations we support and volunteer with:
The Albuquerque Team
David C. Michalk
David Michalk graduated from the University of Texas Galveston with a B.S. in Physical Therapy. David began working in the financial planning industry in 1997. He is a Chartered Financial Consultant (ChFC), a designation granted by the American College of Bryn Mawr, Pennsylvania.
David is the current Vice President of Lutherhaven Retreat and an active member of Faith Lutheran Church in Albuquerque. His hobbies include hunting skiing and weight lifting.
David lives in Albuquerque, New Mexico with his wife Lynda Michalk and their son and daughter.
Brooke graduated from Texas A&M where she studied Communication and Business, then went on to complete her Financial Planning coursework. Brooke is currently studying for her Certified Financial Planner designation.
Her career in finance began in San Antonio working alongside CFPs, CPAs, attorneys, and other professionals to create comprehensive financial plans for individuals, families, and business owners. Brooke later worked in Albuquerque with various tax-exempt organizations (nonprofits, sovereign tribes, etc.). Brooke has found the greatest joy in working with individuals and families as they map out their financial future.
Brooke and her husband, Will, live in Albuquerque and are members of Desert Springs Church. Outside of studying, Brooke enjoys F45 fitness, hikes with her dogs Milo & Duke, and supporting her husband at his team roping competitions.
Tiffany T. Trujillo