David Wattenbarger
CFP®, CAP®, CDFA®
DRW Financial
Financial Advisor
David Wattenbarger
CFP®, CAP®, CDFA®
DRW Financial
Financial Advisor
As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - David Wattenbarger, CFP®, CAP®, CDFA®
Fee-Only financial planner located in Chattanooga, TN, serving clients locally and across the country

David Wattenbarger is a Chattanooga, TN fee-only financial planner. DRW Financial provides comprehensive financial planning and investment advisory services to help individuals, families, small business owners, and non-profit organizations organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, David Wattenbarger is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
David Wattenbarger holds the Certified Financial Planner™, CDFA®, and Chartered Advisor in Philanthropy® designations. He has been active in the financial services industry since 2000, and founded DRW Financial in 2013 to focus exclusively on providing fee-only financial planning and investment management services.
David Wattenbarger is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning.
DRW Financial provides fee only investment management and holistic financial planning to a select clientele. The firm seeks to add value to three areas of each client's life: family, community, and legacy.
David serves as the Investment Adviser and Planner for DRW Financial, and brings 20+ of experience in financial services to the firm. David's prior professional experience includes serving as a general principal, options principal, and municipal bond principal for an independent broker dealer, as well as extensive work with other financial professionals on a consultative basis.
DRW Financial is a registered investment advisory firm in the states of Tennessee, Georgia, Illinois, and Oklahoma.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
Ideal Clients
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Clients Experiencing Divorce
- Sudden Money Situations
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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David Wattenbarger is a NAPFA-Registered Financial Advisor
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
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David Wattenbarger is a Member of the XY Planning Network
The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.
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David Wattenbarger is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification
CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
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David Wattenbarger is a member of The Financial Planning Association® (FPA®)
FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.
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David Wattenbarger Holds the Chartered Advisor in Philanthropy® (CAP®) Designation
The Chartered Advisor in Philanthropy® (CAP®) provides qualified financial professionals with the knowledge and tools needed to help clients articulate and advance their highest aspirations for self, family, and society. CAP® holders are part of a growing network of top planners who are working to make our towns and cities better places to live for generations to come.
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David Wattenbarger is a Certified Divorce Financial Analyst® (CDFA®)
A CDFA® professional is a financial professional skilled at analyzing data and providing expertise on the financial issues of divorce. The role of the CDFA® professional is to assist the client and his or her attorney to understand how the decisions he or she makes today will impact the client’s financial future. A CDFA® can take on many roles in the divorce process: Financial Expertise and Strategy, Data Collection and Analysis, Expert Presenter and Litigation Support. In some cases, CDFA® professionals are called upon to act as expert witnesses in court or in mediation proceedings.
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David Wattenbarger is Quoted on Williamson Source: "Tips for Taking Control of Existing & Future Student Loan Debt"
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David Wattenbarger Presented an Online Class via The Chattery: "Financial and Estate Planning for Couples"
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David Wattenbarger is Quoted in InvestmentNews: "Advisers welcome additional educational requirements"
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David Wattenbarger is Quoted on CNBC: "5 smart ways to use your upcoming child tax credit payments to get ahead"
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David Wattenbarger is Quoted on WTOP News: "What Is a 401(k)?"
Contact David Wattenbarger
Office Locations:
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7648 Magnolia Leaf Ln
Chattanooga, TN 37421