Cain, Watters & Associates, P.L.L.C. (CWA) is an Investment Advisor registered with the Securities and Exchange Commission.  All financial planning and investment advisory services are performed by properly registered employees of CWA.  Financial planning consulting advice and investment advisory services can only be rendered after the following conditions are met:  1. Delivery of our form ADV Part II; 2. Execution of an Investment Advisory and/or Financial Planning Engagement Letter between us.  Fees charged vary depending on complexity of circumstances and services provided.