SMALL TEAM

Careers at Waterway
Wealth Management

We’re always looking for exceptional talent to deepen and diversify our team.

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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


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 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


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.

281.363.0000 ext. 821

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.

281.363.0000 ext. 804

Leah Dwyer

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.

Robert Budavich

As a CERTIFIED FINANCIAL PLANNER™ (CFP®) and Chartered Financial Consultant (ChFC®), Robert brings more than 30 years of insurance and financial planning experience to his role as a financial planner on the team. ​

Among Robert’s proudest career achievements is successfully developing and managing client investments in multiple states and for decades at a time. He specializes in qualified investment plans, tax planning, and risk management. ​

By offering a high-touch, low-key approach, Robert is able to offer uniquely personalized
service that builds and strengthens long-term relationships with clients — a practice that aligns perfectly with Waterway Wealth Management’s core client philosophy. Putting people first allows Robert to support clients from a broad-based, strategic perspective while optimizing all aspects of their financial planning needs. “I want to know everything about our clients,” Robert says. “I want to learn about their kids and grandkids and their needs as well. It’s a comprehensive process, and it’s important to consider the entire family dynamic.”

Robert looks forward to working with clients across the spectrum of age ranges and life stages. “Everyone has a financial plan, whether they know it or not,” Robert believes a personal relationship with an advisor can be more effective. He says, “Why not work with a
professional who can really put a sharp pencil to paper, offer perspective on your unique situation and provide assurance for whatever is happening in today’s markets?”

A native of Pennsylvania, Robert has lived and worked in Los Angeles, California, and Las Vegas, Nevada, before moving to The Woodlands, where he has lived with his wife, Michele, for the last 13 years. In addition to his professional certifications, Robert holds a Bachelor of Arts degree in Liberal Studies and General Management from Thomas Edison State University in Trenton, New Jersey. He is involved in many faith-based activities in the community and also enjoys playing guitar and piano.

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.

281.363.0000 ext. 800

Aaron Hoge

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

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 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.

281.363.0000 ext. 803n

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 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.

505.275.2436

Mike Parrott

Waterway Wealth Management is pleased to announce the addition of Michael Parrott (Mike) as our new Financial Planner.
 
Mike is a graduate of New Mexico State University with a BBA in Finance. He also earned his CERTIFIED FINANCIAL PLANNER™ designation in 2018 and has 7 years of experience working with a major financial custodian building financial plans.
 
Mike was born and raised in New Mexico. He enjoys skiing, hiking and has recently taken up golf.

505.275.2436

Kayla A. Creamer

Kayla was born and raised in Albuquerque NM. She graduated 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.

Kayla joined the Waterway Wealth Management team in 2013, and works as an Associate Financial Planner. She helps lead the quarterly rebalances, and assists with ongoing portfolio management.

She also enjoys traveling, photography and hiking. She and her identical twin sister plan adventures each year to experience new places. She runs a book club, and enjoys attending live music events, sporting events, and spending time with her puppy Leia, family and friends.

505.275.2436

Tiffany T. Trujillo

Waterway also welcomes Tiffany Trujillo as our new Client Care Specialist.
Tiffany graduated from the University of New Mexico, Anderson School of Management with a degree in General Management.
Tiffany has spent the past few years as a Personal Banker providing one-on-one customer service for clients.
Born and raised in New Mexico, Tiffany spends her free time with friends, family and her dogs hiking around New Mexico.

505.275.2436
Organizations we support and volunteer with: