For more than 25 years, Waters Financial Services has helped individuals and businesses across Middle Tennessee build stronger financial foundations — through expert tax strategy, meticulous bookkeeping, and honest counsel.
From tax season to year-round financial management, we provide the expertise your business and personal finances need to thrive.
Individual and business tax returns, strategic tax planning throughout the year, IRS representation, and amendment filings. We maximize your returns while keeping you compliant.
Accurate, timely bookkeeping that keeps your books clean and your decisions informed. Monthly reconciliations, financial statements, and quickbooks setup.
Full-service payroll processing, direct deposit, tax withholding, and compliance. We handle the complexity so you can focus on your people and your business.
Strategic financial guidance for growing businesses. From startup planning to cash flow management, we help you make decisions with confidence.
Protect what matters most. We assist with estate tax planning, trust administration, and wealth transfer strategies tailored to your family's future.
Facing an audit, back taxes, or IRS notices? We negotiate on your behalf and develop realistic resolutions that bring peace of mind.
Waters Financial Services has been a cornerstone of the Franklin business community since 1998. What started as a small practice focused on individual tax preparation has grown into a full-service financial firm serving individuals, families, and businesses throughout Middle Tennessee.
We believe that financial clarity shouldn't be complicated. Every client — from the freelance professional to the established business owner — receives the same level of attention, integrity, and expertise. We take the time to understand your unique situation and build strategies that actually work for your life.
We've been in Franklin for over two decades. We understand Tennessee tax law, local business dynamics, and the unique financial challenges of Middle Tennessee communities.
We explain your finances in plain language. No confusing terminology, no pressure — just clear, actionable advice you can actually use to make better decisions.
We don't wait for tax season to reach out. Throughout the year, we identify opportunities, flag issues early, and keep you on track toward your financial goals.
Many of our clients have been with us for over a decade. That loyalty isn't accidental — it's built on delivering real results and treating every client like a neighbor.
Ready to take control of your finances?
Call (270) 606-0637Waters Financial has been handling our taxes and bookkeeping for over eight years. They're thorough, responsive, and always proactive about finding ways to save us money. I recommend them to every business owner I know.
After years of struggling with my taxes on my own, I finally found a team that makes it simple. They walk me through everything, answer every question, and I actually look forward to tax season now.
When we started our restaurant, Waters Financial helped us set up payroll, bookkeeping, and a tax strategy that actually made sense for the food service industry. They've been with us every step of the way.
Whether you need tax help, bookkeeping support, or just want to explore your options, we're here. Reach out by phone, email, or stop by our Franklin office.
Thank you for reaching out. We'll get back to you within one business day.
