About Clearwater.

Based in Princeton, New Jersey, Clearwater Investment Management, LLC, serves individuals and organizations with investment selection, asset allocation, and investment strategy.

imagine a better investment advisory.

OUR philosophy

​Clearwater is a sophisticated investment manager advising a small number of clients.   It exists to provide client investors with intelligent portfolio management, trading, and complete access to their advisor who provides thoughtful, truthful, non-biased, factual information and analysis about the financial markets. 

Expectations for price movements,  future prices trends, and inflections points are informed by the past, by technical analysis, and by fundamental analysis.  Clearwater acts on that intelligence for the exclusive benefit of its clients.  (no conflict of interest)

The primary focus of market intelligence and portfolio construction is the US stock market, bond market, and at times precious metal market.  Analysis is fundamental and technical and based not on the "Hope and Hype" or marketing content echoed by mainstream "analyst."

• Quality of Service — Quality decision making and results are what Clearwater aims to deliver

• Objectivity –—We are fee-only and independent. Our only incentive is to generate good results. No conflict of interest; no revenue sharing agreements. 

• Discipline —is  guided by expert use of technical and fundamental analysis aiming to invest with the long term (Primary) trend for only as long as it is prudent to do so. Our discipline is rooted in valuation awareness,  technical evidence, and fundamental/economic analysis.  Intelligent control of risk mitigates sloppy decision making and emotionally based decision errors that most investors regrettably are prone to make.  

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• Clients have access to clear, easily understood explanations of financial market trends and expectation of future prices movement based on up to date research and analysis, and the interpretive know-how acquired over more than 30 years​​.

 

• ​Diversification — Diversification reduces idiosyncratic (issuer-specific) risk.   Global diversification expands our opportunity.  But diversification is not naively relied upon for protection.

• Low-Cost Approach — Exceptionally in-depth understanding of the financial market environment and structures allows liberal, client-friendly, use of low-cost passive investment vehicles when sensible.

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• A Long-Term Approach allows us to take advantage of greatly mispriced investments at bear market bottoms and major corrections.  Bottoms and tops are identified as they are approached and explained in real-time for clients.  The intermediate cycle is closely monitored, interpreted, and my thoughts are shared with clieints.

We Strive to be the Best, Not like the rest

​Conventional market wisdom and conventional asset management are wrong; otherwise, why would so many investors lose.  

Herding creates valuation peaks.  Herding, especially at tops feeds off of manipulated optimism which is contagious and results in great losses for the naively positioned majority.  Individual investors, financial advisors (who are only salesmen), and financial TV echo endless rationalizations why this time is different, but it never is.  At bottoms when the herd should be buying, the fight and flight impulse overrides their rational cognitive processes. Two errors in rapid sequence that I remedy. 

Here's the thing only a few survive bear markets and thrive in the new bull.  I guide clients through this process and invest intelligently for them so they can prosper.  At the bear market bottoms, I also, function as a security analyst, one you can talk to and is conflict-free.

Established in 2012

27 years of experience in the invesetment management industry.

Our Goal

To intellegently grow wealth minimizing the potential for portfolio loss.

About Ron

RONALD O. GRANBERG
​​CHARTERED FINANCIAL ANALYST

Founder and Principal
CLEARWATER INVESTMENT MANAGEMENT, LLC

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Ronald is the founder and President of Clearwater Investment Management LLC, a Registered Investment Advisory, and has a CFA, an MBA in Finance, and a BA in Philosophy and Political Science. 

​Ronald began his career in 1994 as a security analyst in the Portfolio Management Group of Metropolitan Life Insurance Company. He then moved to the Real Estate Investment Department of New York Life Insurance Company.

He was then promoted to positions of increasing responsibility, ultimately managing portfolios worth $40+ billion as Vice President of Portfolio Management at New York Life Investment Management. Later, he was the head of Portfolio Management of Old Mutual US Life Insurance Company ($22 billion).

Ron is the Treasurer and board member of Princeton Community TV.

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