Waterman & Associates

We are an outstanding team of collection professionals who know how to combine courtesy, tact, and persistence for maximum results. Cash Flow Management is a leader in Accounts Receivable Outsourcing and Management for commercial credit grantors. Our portfolio of services include pre-to-post delinquent commercial accounts receivable management, and may entail partial to full outsourcing of the collection functions. Our clients are small to large commercial credit grantors who require quality results with personalized attention. CFM offers specialized programs to create a seamless integrated process, through which our clients maintain control over their accounts, while our specialists recover their delinquent receivables. Since our formation over 24 years ago, our firm has been consistently rated as a top company in the industry. The partnerships developed with our clients are a solid testimony to our ability to understand their business. These unique relationships enable us to contact our clients' customers on both a first- and third- party basis.

Terry Barnes Grambo is an Investment Adviser Representative with Cetera Advisor Networks LLC. She is also a licensed life and health agent. She entered the financial services industry in 1994, fulfilling a longtime childhood dream to study the stock market and help friends and family.