We are the Retirement Experts for Hard Working, Middle Class Families

Our Clients

Our clients are the men and women who work at the plants. They are nurses, electricians, ironworkers, and mail carriers. They are the people who make sales calls. And, they are the folks who work hard to run a small business in our community. They have a common bond. They work long hours doing hard work. They figured out how to provide for their families, though it wasn’t always easy.

What We Do

We are here to help you transition from your career to the next chapter of your life—retirement
We help you use the resources you have—Social Security, retirement savings, pension—to create a strong retirement.  

We Believe

Your money needs to work its hard for you.

Your interests always come first.  We don’t receive commissions for selling investment products.  We want to create the best plan for your success at all times. 

Scare tactics and high-pressure sales are a bad approach.

Planning for retirement isn’t an opportunity to scare you.  Yes, there are always risks, and we will create a plan to address them.  But we won’t try to scare you or use your emotions to sell you something.


A practical, common-sense approach leads to better results.

A plan can be a complex strategy that is hard to execute.  Or it can be practical strategies that you understand and use to create a better future.

Optimism is a key factor to long term success.

Not every year is going to be good.  But we believe the future is going to be better than the present.  

How can we help you?

If your retirement is a few years away…

The Retirement Snapshot is a good place to start.  It will show you how Social Security and your retirement savings will create your retirement income.  It will also give you clear, practical advice to help you make good decisions and improve your future.

If your retirement is a few months away…

Let’s take a closer look at all aspects of your retirement.  Let’s review your cash flow.  We can create a plan to use your retirement savings to create income.  And, we can help you make a good decision about Social Security.  Schedule a 15 minute call to discuss how we can help.

The Watsons

Our Team

Neal Watson, CFP®

Neal Watson

Neal is a Certified Financial Planner™ Professional.  He earned his designation in 1999.  Neal joined his father, Jim, in 1996.

Neal is a graduate of Marietta High School and The Ohio State University. 

Jim Watson


Jim joined Don Fleming in 1986 and formed Fleming Watson Financial Advisors.

Jim is a graduate of Caldwell High School and Bliss Business College.

Susan Watson

Susan Watson

Susan is the office manager at Fleming Watson.  She joined our team in 1995.  

Susan graduated from Williamstown High School.

Important Information About Our Firm

Firm Brochure (ADV Part 2)

This brochure talks about how we do business with our clients, our fee structure and other information about us.

Client Relationship Summary

A two page document that explains how we do business..

Check Our Background

Links to the FINRA Brokercheck site to check out our history.