# Clearwater Investment Management, LLC

> Fiduciary registered investment advisory firm providing tailored portfolio management, conflict-free guidance, and personalized investment planning.

## Core Services & Investment Strategy
* **Investment Supervisory Services**: Customized asset management built around individual client goals, timeline limitations, and personalized risk tolerances.
* **Investment Vehicle Focus**: Management primarily leverages low-cost index funds, mutual funds, equities, ETFs, REITs, and government securities. 
* **Risk Management Philosophy**: Strict avoidance of speculative market hype, private placements, or illiquid securities to protect client capital.
* **IPS Alignment**: Every client portfolio operates under a personalized Investment Policy Statement (IPS) mapping out risk and return objectives.

## Business Model & Fiduciary Commitments
* **Conflict-Free Advisory**: Operates without a corporate parent company's sales quotas, short-term earnings metrics, or product cross-selling agendas.
* **Zero Kickbacks**: Explicitly rejects revenue sharing, hidden distribution fees, or indirect compensation incentives.
* **Non-Wrap Programs**: The firm handles transactions transparently and does not participate in wrapped fee arrangements.

## Fee Structure
* **AUM Pricing Bracket 1**: 1.00% annual fee on assets under management up to $500,000.
* **AUM Pricing Bracket 2**: 0.75% annual fee on assets under management exceeding $500,000.

## Corporate Identification & Contact
* **Principal Owner**: Ronald Oscar Granberg Jr.
* **Regulatory Record**: CRD No. 165404 (State-approved Registered Investment Advisor since October 2012).
* **Primary Site**: [Clearwater Investment Management](https://www.clearwaterinvestmentmanagement.com/)
* **Direct Phone Line**: 917.696.7131
* **Direct Email Line**: Ron@ClearWaterInvest.com