Disclosure:

Important Disclaimers

Snowwater Investment Partners, LLC ("Snowwater") is a Registered Investment Advisor ("RIA"), located in the State of Connecticut. Snowwater provides investment advisory and related services for clients nationally. Snowwater will maintain all applicable registration and licenses as required by the various states in which Snowwater conducts business, as applicable. Snowwater renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion.

Terms of Use

Please read these terms and conditions of use (“Terms”) carefully before using the website located at www.snowwaterinvestments.com (“Website”) or any of the information or services provided by Snowwater Investment Partners, LLC (collectively “Snowwater”, “we”, “our”, “us”) in connection with the Website. By using the Website, you acknowledge that you have read and understood these Terms and accept to be legally bound by them. If you do not accept and agree to these Terms, you are not an authorized user of the Website or any of the information or services provided by Snowwater in connection with the Website and should promptly terminate all use thereof. The terms “you” and “your” mean you and any entity you may represent in connection with the use of the Website. You may use your browser to download or print a copy of these Terms for your records.

Snowwater reserves the right to change, modify, add or remove portions of these Terms at any time for any reason. We suggest that you review these Terms periodically for changes. Such changes shall be effective immediately upon posting. You acknowledge that by accessing our Website after we have posted changes to these Terms, you are agreeing to these Terms as modified.

These Terms were last updated on September 11, 2026.

Risk Disclosure

Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy will be profitable.

Asset allocation may be used in an effort to manage risk and enhance returns. It does not, however, guarantee a profit or protect against loss. Performance of the asset allocation strategies depends on the underlying investments.

This website is intended to provide general information about Snowwater and its services. It is not intended to offer or deliver investment advice in any way. Information regarding investment services are provided solely to gain an understanding of our investment philosophy, our strategies and to be able to contact us for further information.

Market data, articles and other content on this website are based on generally available information and are believed to be reliable. Snowwater does not guarantee the accuracy of the information contained in this website. The information is of a general nature and should not be construed as investment advice.

Please remember that it remains your responsibility to advise Snowwater, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services.

Snowwater will provide all prospective clients with a copy of our current Form ADV, Part 2A ("Disclosure Brochure"), Form ADV Part 2B, which is the Brochure Supplement for each advisory person supporting a particular client, and the Form ADV Part 3 (Client Relationship Summary or Form CRS). You may obtain a copy of these disclosures on the SEC website at http://adviserinfo.sec.gov or you may Contact Us to request a free copy via .pdf or hardcopy.

Privacy Disclosures

Snowwater is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described in our Privacy Policy.

Snowwater does not collect personal non-public information through this website; however, the Advisor may collect information from you on application forms, agreements, profile or investment policy statements, and other documents received or processed in relation to services we provide. We also may collect information from other sources.

We do not respond to "do not track" requests because we do not track you over time or across third party websites to provide targeted advertising. We may track you across our website to help us improve our content.

We may use "cookies" and similar online technologies to keep, and sometimes track, information about you regarding your usage of our website. Cookies are small data files that are sent to your browser or related software from a Web server and stored on your device. Cookies help us to collect information about your usage of our website, including date and time of visits, pages viewed, amount of time spent on our sites, or general information about the device used to access the site, such as the browser used. You can refuse to store or delete cookies by configuring your web browser settings. Most browsers and mobile devices have their own settings to manage cookies. If you refuse a cookie when on our website, or if you delete cookies, you may experience some inconvenience in your use of our website, such as having to re-configure preferences.

When you are on this website you may have the opportunity to click-through to other websites, including websites operated by unaffiliated third parties. These sites may collect nonpublic personal Information about you. We do not control sites operated by these entities and are not responsible for the information practices of these sites. This Privacy Policy does not address the information practices of other websites. The privacy policies of websites operated third parties are located on those sites.

For a copy of the Snowwater Privacy Policy, please click Here.

Email Disclosures

Snowwater often communicates with its clients and prospective clients through electronic mail (“email”) and other electronic means. Your privacy and security are very important to us. Snowwater makes every effort to ensure that email communications do not contain sensitive information. We remind our clients and others not to send Snowwater private information over email. If you have sensitive data to deliver, we can provide secure means for such delivery.

Please note:Snowwater does not accept trading or money movement instructions via email.

As a registered investment advisor, Snowwater emails may be subject to inspection by the Chief Compliance Officer (“CCO”) of Snowwater or the securities regulators.

If you have received an email from Snowwater in error, we ask that you contact the sender and destroy the email and its contents.

If you have any questions regarding our email policies, please Contact Us.

Social Websites

Snowwater may utilize third-party websites, including social media websites, blogs and other interactive content. Snowwater considers all interactions with clients, prospective clients and the general public on these sites to be advertisements under the securities regulations. As such, Snowwater generally retains copies of information that Snowwater or third-parties may contribute to such sites. This information is subject to review and inspection by the CCO of Snowwater or the securities regulators.

Information provided on these sites is for informational and/or educational purposes only and is not, in any way, to be considered investment advice nor a recommendation of any investment product. Advice may only be provided by Snowwater’s advisory persons after entering into an advisory agreement and provided Snowwater with all requested background and account information.

If you have any questions regarding our policies, please Contact Us.

A trusted approach to managing
capital for families,
institutions, & individuals.

Schedule a Partners Meeting

• Senior Advisory Experience

  50+ Years

  Combined Leadership Experience

• Structured Notes Experience

  25+ Years

  Managing ​Structured Notes

• Assets Under Management

  $1.3B+

  Across Discretionary Client Relationships as of 12/31/25

• Valued Clients & Families

  35+

  Client Family Relationships as of 12/31/25

Our History

About the firm

Built around the

families

we serve.

"We do not manage models. We manage relationships — and every portfolio we build reflects that distinction." - Brad Orben

| Your Team

Experienced across markets,
aligned with clients.

• 

  Bradford R. Orben

  Founder and Managing Partner

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  LinkedIn

  Brad is a seasoned investment professional with over 30 years of experience in wealth management and global investment leadership. As the Founder and Managing Partner of Snowwater Investment Partners, LLC, Brad has grown the firm's assets under management to over $1.3B in the last five years.

  He previously served as Executive Director of the family office for the Kuehner family and Building and Land Technology (BLT), managing financial and investment responsibilities for 14 years. His experience also includes board service and CIO-level investment oversight for foundations, endowments, and charitable organizations. Brad has also served on the board of foundations and as CIO for endowments and charitable organizations.

  Brad holds a bachelor's degree in Economics from Dickinson College and numerous financial licenses, including Series 4, 7, 8, 24, 63, and 65. Brad lives in Fairfield, CT, with his wife Emily and their four children.

• 

  Victor M. Flores

  Managing Partner

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  LinkedIn

  Victor joined Snowwater Investment Partners with nearly 20 years of global investment experience. As Managing Partner, he leads the investment management of client capital. Previously, he was the Director of Investment Analytics at Citi Private Bank, where he designed portfolio solutions for UHNW and Family Office investors.

  Victor also managed credit and volatility risk premium strategies at a Single-Family Office and built two commodity derivatives businesses. Victor holds an MBA from the Wharton School, University of Pennsylvania, a BS in Computer Science from St. John’s University, and an MS in Finance from the Lubin School of Business, Pace University. He is a CFA and CAIA charter holder and teaches at St. John’s University.

  
  
  

• 

  Fatima Farooq

  Senior Analyst

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  LinkedIn

  Fatima is a dedicated professional managing client and operational activities at Snowwater Investment Partners. She joined as a Summer Analyst and became a full-time Senior Analyst in 2025. Fatima graduated from the Tobin School of Business at St. John’s University with a BS in Business Analytics and was recognized as a Provost Scholar.

  She gained valuable experience working in Tax Technology at Goldman Sachs and conducting data analysis at Harvard Medical School. Fatima was also Secretary of the Medlife Chapter at St. John's and studied abroad in Western Europe. She resides on Long Island, NY.

• 

  Alex Mooers

  Analyst

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  LinkedIn

  Alex is an Analyst at Snowwater Investment Partners, where he supports the firm across all parts of the practice, from research to financial planning and client service. He joined Snowwater as a Summer Analyst in May 2025 and was brought on full-time in 2026.

  Prior to joining Snowwater, Alex was a Trade Support Analyst at PGIM’s Jennison Associates. He earned his BS in Finance from St. John’s University’s Peter J. Tobin College of Business in 2025, graduating from the Honors Program, and completed his MS in Finance there in 2026. At St. John’s, he was named Student Leader of the Year by the Division of Student Success and helped lead Iron Phi, a fundraising challenge for ALS research, raising money for the LiveLikeLou Foundation. Originally from Saugerties in New York’s Hudson Valley, Alex now lives in New York City. He is a passionate New York sports fan and enjoys golf, traveling, and staying active.

Three capabilities that set us apart

• Institutional Access

  Our relationships with 14 bank counterparties help us access institutional pricing and terms that are unavailable to most investors and advisors

  • Direct desk access — no intermediaries
  • Over $650M in structured notes purchased
  • Competitive bidding across multiple banks
  • Intraday execution to capture better pricing

• Customized Client Portfolios

  Every portfolio is constructed around the client's specific objectives, income requirements, time horizon, and risk tolerance. We do not select from a pre-built shelf or model portfolio.

  • Access to both traditional investments and institutional structured solutions
  • Coordinated management across taxable, tax-deferred, and trust accounts

• Detailed Supervision

  Our team monitors portfolios daily, times entries around volatility conditions, and manages the full lifecycle of every note — including reinvestment within 5–10 business days of maturity.

  • Daily barrier and credit surveillance
  • Volatility-timed purchase acceleration
  • Maturity laddering across month, quarter, year
  • Credit default swap monitoring per issuer

| Our Offices

See Our Offices

• Independent

  Independent Registered Investment Advisors are professional firms that provide personalized financial guidance and direction to their clients, many of whom have complex financial needs. Because we are independent, we are not tied to any firm, particular families of mutual funds or investment products. As fiduciaries, we are held to the highest standard of care, and are required to act in the best interests of our clients at all times.

• Fiduciary

  A fiduciary is a professional entrusted to manage assets or wealth while putting the client’s best interests first at all times. Financial advisors who follow a fiduciary standard must disclose any conflict, or potential conflict, to their clients prior to and throughout the advisory engagement. Fiduciaries adopt a code of ethics and fully disclose how they are compensated.

• Comprehensive

  We work with clients to create integrated, efficient and personalized financial strategies and solutions. Clients with complex needs trust us to carefully examine and streamline their financial lives by ensuring that all the moving parts fit together and are working efficiently and harmoniously. In helping clients grow, preserve and transfer wealth, we tend to the details without ever losing sight of the big picture. Our consultative approach creates blueprints that our clients can use to rally all their professional advisors to pursue comprehensive, agreed-upon goals.

• Client-First Philosophy

  Our firm was built for and around our clients. We believe an open and transparent, client-centered relationship is the key to long-term success. Our thorough wealth planning process is driven by listening first, formulating a strategy, and following through with advice and world-class service.

Our partners who make us better.

• Private Banks

  Provide products with customized solutions tailored to your unique financial objectives and investment strategy.

• Custodians

  Ensure a smooth digital experience through highly secure, transparent reporting and direct, reliable investment access.

• Addepar

  Institutional-grade portfolio reporting and analytics. Real-time consolidated views across all custodians, asset classes, and entities — including alternatives and private holdings.

• Wealthbox

  The CRM Workspace for Financial Advisors. A single hub to collaborate on clients, automate busywork, and drive growth.

• eMoney

  Comprehensive financial planning platform. Cash flow modeling, retirement projections, estate visualizations, and what-if scenario planning across your entire balance sheet.

We serve a select group of clients who insist on trustworthy, experienced advice with no strings attached.

• HNW & UHNW Individuals & Families

  High-net-worth and ultra-high-net-worth individuals and families, including those who are still building wealth and those who are retired. Some have concentrated positions, multi-generational planning needs, and prefer genuinely customized investment solutions.

  Learn more

• Family Offices

  Family offices that require highly customized solutions to continue their legacy. Single- and multi-family offices seeking institutional investment management, consolidated reporting, and active oversight across complex balance sheets.

  Learn more

• Business Owners

  Business owners who seek both guidance through a liquidity event and a partner in managing their wealth. Entrepreneurs and executives managing liquidity events, business sale proceeds, or deferred compensation — seeking to deploy capital with income, protection, and tax efficiency.

  Learn more

• Nonprofit Organizations, and Corporations

  Nonprofit organizations benefit from experienced, objective investment advice to achieve their goals. Investors transitioning to income-focused portfolios need predictable cash flow, meaningful downside protection, and active oversight without excessive market volatility or duration risk.

  Learn more

Start with a discussion about your goals.

Request a Meeting

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Contact Us

• What if complexity became your greatest advantage?

  Family Office Perspective

  Significant wealth often creates complex financial decisions. We help simplify complexity by coordinating investments, taxes, estate planning, and family objectives within a single strategic framework.

• How different would life feel if you had clarity about where you're headed?

  Confidence Through Planning

  Financial confidence starts with a clear roadmap. We help clients understand their options, identify opportunities, and make informed decisions designed to support their long-term goals.

• How valuable would it be to know someone is paying attention to every detail?

  Proactive Guidance

  We believe great advice is proactive, not reactive. Through ongoing planning, monitoring, and communication, we help identify opportunities and challenges before they become obstacles.

• What happens when today's decisions support generations to come?

  Legacy-Focused Planning

  Whether you're building wealth, preparing for retirement, supporting family members, or planning your legacy, we help ensure today's financial decisions align with your long-term vision.

Contact Snowwater

• 

  Brad Orben

  Founder and Managing Partner

• 

  Victor M. Flores

  Managing Partner

CORPORATE OFFICES

Snowwater - New York

45 Rockefeller Plaza
Suite 3602
New York, NY 10111

833-259-75111

Snowwater - Florida

525 Okeechobee Blvd
Suite 1020
West Palm Beach, FL 33401
203-997-6670

Snowwater - Connecticut

411 Catamount Road, Fairfield CT 06824

203-997-6670