William Joseph Herding

Employer firm

Harbour Investments, Inc. CRD 19258

$9.60B regulatory AUM 3,203 advisory clients

Reported services (Item 5G)

• Financial planning
• Portfolio management (individuals)
• Selection of other advisers

From the firm’s Form ADV. Read the guides:

• Item 5F — Regulatory AUM
• Item 5G — Advisory services
• Full firm profile

Current Employers

Employment History

• 05/2026 → Present
  White Water Wealth, Llc
  Scottsdale, AZ
• 05/2016 → 03/2017
  Open Text
  Scottsdale, AZ
• 03/2017 → 01/2019
  Cable One
  Phoenix, AZ
• 01/2019 → 01/2021
  American Express
  Phoenix, AZ
• 01/2021 → 01/2026
  Camelback Wealth Consultants
  Phoenix, AZ
• 03/2022 → Present
  Harbour Investments, Inc
  Madison, WI
• 02/2026 → 05/2026
  White Water Wealth, Llc
  Phoenix, AZ

Other Businesses

1) White Water Wealth, LLC – DBA 2) Independent Insurance Agent, which may include selling Fixed Index Annuities, as well as other lines of insurance through various insurance carriers 3) Catholic Beer Club | 3423 E Montecito Avenue, Pheonix, AZ 85018 | Member | Description: Organize meetings and greet attendees | Beginning 3/2025 | 5 hours per month, 0 during trading hours | Unpaid | Not investment related 4) Biltmore Area Partnership | 3104 E. Camelback Road #174, Phoenix, AZ 85016 | Treasurer | Description: Work with board members to balance budget | Beginning 3/2025 | 5 hours per month, 0 during trading hours | Unpaid | Not investment related

Exams

• S65 Uniform Investment Adviser Law Examination
  2021-06-03
• S63 Uniform Securities Agent State Law Examination
  2021-02-17