I'm Bill Walters, and I've Lived a Perfectly Imperfect Family Story Too

Before I became a financial professional, I cared for my mother through her battle with dementia. We had no long-term care coverage, so my family did everything ourselves — the caregiving, the sleepless nights, the guesswork. It didn’t have to be that hard, and her final years could have been easier with the right planning in place.

When she passed, I made a promise: I’d spend my career making sure other families don’t face what we did without a plan.

That’s why I built Perfectly Imperfect Families around real conversations, not sales pitches. We’ll talk about where you are and where you want to be. If I can help, we’ll build a plan together. If I’m not the right fit, I’ll point you to someone who is.

I’ve navigated my own imperfect family. Let me help you navigate yours.

I’ve dealt with my own perfectly imperfect family. Let me help with yours.

Insurance and Financial Guidance for Perfectly Imperfect Families

Financial Planning Built Around Your Family
Not a Template

Every family’s situation is different, and cookie-cutter financial advice rarely fits. As your New Jersey financial advisor, I build customized plans around life insurance, retirement income, estate and trust planning, and investment strategy — always shaped around the specific people you’re responsible for.

Financial Planning for Special Needs Families

See how we plan for special needs families

Retirement Planning for Aging Parents & Caregivers

Plan for aging parents

Financial Advising for Single People

Financial planning for singles

Sandwich Generation Financial Planning

Balance caregiving and retirement

Financial Consulting for Family Businesses

Protect your family business

Financial Planning for LGBTQ+ & Non-Traditional Families

Inclusive planning that fits your family

    
 
 
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   joe hand 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have spoken with Bill Walters before and always find he has great information to share. Knowledgeable and thoughtful with his advice. Answers my questions and explains things so they are easy to understand.
  
 
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   Rich P 
 
 
 
 Trustindex verifies that the original source of the review is Google. From my experience, Bill is the right person to have on your side when making critically important lifetime financial decisions - he's highly knowledgable and dedicated to getting the best result
  
 
      Posted on Google  
   
   Leo McMichael 
 
 
 
 Trustindex verifies that the original source of the review is Google. I cannot recommend Bill enough to my family and friends. He listened to my needs and concerns before recommending anything to me. He made sure that I was comfortable with his recommendations and he explained his reasoning and the benefit to me for everything we discussed. I take planning for the future seriously and he eased my mind and didn't do anything with which I was uncomfortable. I highly recommend Bill Walters services. He is kind, thoughtful and most of all, he listens and does what is best for me, not him. As he says, if he does his job for his clients, then he has done what is best for him. That's real integrity!
  
 
      Posted on Google  
   
   Irina Nadtochi 
 
 
 
 Trustindex verifies that the original source of the review is Google. Bill was professional. He listened to my situation. I was not rushed. The solution he gave me was custom to my needs. What a difference he has made in my finances. I am so happy and now have peace of mind. Choose Bill over the rest , you won’t be disappointed.
  
 
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   Natan - DAD 
 
 
 
 Trustindex verifies that the original source of the review is Google. Bill is an incredibly heartfelt and caring person who goes above and beyond to always do the best he can for everyone! He is incredibly positive and has an amazing Outlook and ability to help others rise up! 10 out of 10 would highly recommend!
  
 
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   Ryan Nabo 
 
 
 
 Trustindex verifies that the original source of the review is Google. Bill is truly dedicated to supporting individuals with diverse abilities. With a wealth of lifelong experience, he profoundly impacts the lives of those facing challenges, ensuring they are equipped for a fulfilling lifetime ahead. His passion and commitment shine through in every endeavor. Keep it up!
  
 
      Posted on Google  
   
   Dawn Woodard 
 
 
 
 Trustindex verifies that the original source of the review is Google. Whenever in need of financial planning Perfectly Imperfect Families is your go to! From the start Mr Walters listened to our needs and provided us with numerous options. We never felt like we were being over sold, he explained every product thoroughly, and made us feel confident in our selections. Highly recommend!

Financial Guidance From People Who've Lived It

At Perfectly Imperfect Families, financial planning isn’t just about numbers — it’s about people, relationships, and the realities that make your family yours. Founded by Bill Walters after caring for his mother through a difficult illness, our mission is personal: help families plan for life’s uncertainties with compassion, clarity, and purpose.

Whether you’re navigating retirement, protecting a loved one with special needs, managing multi-generational caregiving, or supporting a non-traditional or LGBTQ+ family, we’re here to guide you — every step, without judgment.