SMALL TEAM

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.

Organizations we support and volunteer with:

We’re being genuine when we talk about a deeper drive to help people. Part of being a good steward is being thoughtfully generous with our most valuable resources. These are a few of the organizations with whom we are personally engaged. Places with deep purpose and a heartbeat for others.

The Woodlands Team

Daniel P. Michalk


CFP®, ChFC

Dan Michalk is the founder and owner of Waterway Wealth Management.  He’s 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. 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’s also a member of the Financial Planning Association (FPA).

Dan is, well, Dan. When you’re with him in the office or playing golf or sniffing into some overseas 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 not sure 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 board member for RockTheWord, a Christian non-profit (501-C3) with a mission of resourcing Christian innovators by taking selected projects and assembling the resources to see the projects through to completion.

Naturally, Dan lives here in The Woodlands, Texas with his wife, Lisa Benge Michalk, and his three sons.

Talk to Dan
(281) 363-0000 ext. 801
dan@waterwaywealth.com

Robert B. Dwyer


CFP®

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 with the Katy YMCA Indian Guides/Princess program as the Nation Chief (President). He is also an Assistant Scout Master with his son’s Boy Scout Troop in Katy. Past activities include 2004 President, 2005 Chairman of the Reveille Club of Houston. He and his family are members of Grand Lakes Presbyterian Church.

Robert lives in Katy with his wife, Sarah, two daughters, two sons, one big white dog, three cats, three turtles, one frog and one fish.

robert@waterwaywealth.com

281.363.0000 ext. 802

Jack D. Cowling

    
CFA

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.

jack@waterwaywealth.com

281.363.0000 ext. 821

Yvonne J. Allen



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.

yvonne@waterwaywealth.com

281.363.0000 ext. 803n, 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.

yvonne@waterwaywealth.com

281.363.0000 ext. 803

Annie Hames

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.

annie@waterwaywealth.com

281.363.0000 ext. 804

Sherri Jones

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.

sherri@waterwaywealth.com

281.363.0000 ext. 800

Kristen Cardoza

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.

kristen@waterwaywealth.com 
281.363.0000 ext 800

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.

david@waterwaywealth.com
505.275.2436

Jordyn White

Jordyn was born in Mississippi but raised in Albuquerque. She graduated from the University of New Mexico in May 2020 with a degree in Communication and Journalism, with a concentration in Interpersonal Communication and a minor in Psychology.

Jordyn joined Waterway Wealth Management in March 2018, part-time, and is now the Office Manager. She handles client relations, accounting, office management, marketing events, and coordinates appointments.

She enjoys traveling and loves to plan a yearly one-day shopping trip in Las Vegas with her mom. She also loves attending Isotopes baseball games, going to concerts, and exercising.

jordyn@waterwaywealth.com 

505.275.2436

Kayla A. Creamer

Kayla was born and raised in Albuquerque. She will be graduating from the University of New Mexico in May 2014 with a degree in Business Administration, concentrating in Information Systems Management and minoring in Professional Writing. She started working with Dave’s team in May 2013.

Kayla prepares for client meetings, and assists with account maintenance and inquiries. She also provides assistance in analyzing and preparing reports, statements, trading data and acts as a client coordinator.

Kayla enjoys traveling, sporting events, and spending time with family and friends.

kayla@waterwaywealth.com
505.275.2436

Organizations we support and volunteer with: