Clearwater is an Investment Advisory Firm

Services.

WE'RE A PRIVATE, FEE-ONLY, INDEPENDENT FIRM.

HERE'S WHAT THAT MEANS FOR YOU:
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• No complaints since inception, 10+ years
• We make no commissions
• We do not have to answer to a parent company’s short term earnings objective
• We have no financial incentive to recommend one mutual fund, ETF or asset class over another
• We do not sell our own investment products
• We receive no compensation from any company to recommend its products ​
• We have no third-party revenue-sharing agreements
• We do not sell a parent company's fund investment suite, nor do we cross-sell products for them

Monitoring Financial Market Stability

Monitoring financial conditions to avoid danger is part of the strategy, tactics, and common sense for an investment manager who cares about his clients.  Not for marketing professionals

​With an expert understanding of market history and herding in market action, this manager also aims to make his client richer in the new bull market. 

Security Selection

Low-cost index funds are used for most allocation decisions.   No conflict of interest keeps it simple and allows us to use reason rather than rationalizations.

​And if you want to chat about securities analysis, say at the bottom, I'm a CFA, Chartered Financial Analyst.  Lottery tickets (speculative stocks) get very cheap at the bottom.  I'll be looking for pristine businesses and high growth stocks when they are cheapest.

Deep Understanding of the Intermediate cycle Movements  and Form not only Allows for Keeping it simiple its the only way to manage risk

Multiple market analysis methods are employed and shared with clients to ensure that clients thrive during the next bull market primary advance and survive the collapse by earning the most prudent return. 

All while dispelling the magic cast by the media and financial industry, etc., to risk everything on any number of sure losers and schemes that, at best, take away your optionality to buy at the bottom. 

​Currently, financial service corporations are optimized to get you to participate.  Not the group you want to rely on in a financial crisis.  

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