• Imagine the perfect place to roll-over your 401k, IRA or Roth IRA
• Imagine an advisor who is not trying to sell you something
• Imagine an advisor without a crafted pitch or product disguised in a clever form of financial framing
• Imagine an advisor who advises about market cycle risk and takes action to protect you because he cares about you
• Imagine an advisor who's on your side stressing caution when it matters, not wishful optimism
• Imagine an advisor who is accessible

In an uncertain world,
it makes sense to partner with the
​best financial advisor you can find.

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why choose clearwater

​analysis and
​Communication

​Technical, fundamental, and economic analysis is communicated regularly to clients to keep them informed not only about the dynamic trend and reversal aspects of the financial markets and their investments, but also interpretive analysis of monetary and economic activity. 

Investment portfolios are constructed and modified to prosper in all markets (bull & bear).

Study everything, "Absorb what is useful, discard what is useless and add what is specifically your own." --Bruce Lee 

​ACTIVE MANAGEMENT

Everyone's market strategy is to avoid the ravages of the bear market and then move into equities and other risky assets at each important market bottom. Clearwater has expended the time and money to accomplish just that. As well as, getting out at the top, of course.

To prosper over the long term requires buying the right securities and right asset classes at the right time to buy it. Same for the sell time. 

"What a wise man does in the beginning, a fool does in the end" 
--Buffet
  

​

We answer
​only to you

We don’t have to answer to a parent company’s short term earnings objective or cross-sell products for them.  Only  low-cost high-quality custodians, and low cost mutual funds, and ETFs as well as individual stocks are used. No revenue sharing or other kickbacks, hidden or otherwise.

No salesmen and no sales pitch.  A prerequisite for real analysis and real communication.

"It is difficult to get a man to understand something, when his salary depends on his not understanding it."  --Upton Sinclair

Learn more about us

Expert INVESTMENT ADVICE and
Customized PORTFOLIO MANAGEMENT.

About clearwater

Clearwater Investment Management, LLC, is a Regional Financial Advisory based in NJ, and headed by Ron Granberg, Chartered Financial Analyst with 27 years of experience.

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what we do

We provide expert financial advice for individuals & organizations.

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testimonial

"

​"Great advisor, no BS."

—ROGER YIN, S. BRUNSWICK, NJ

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