Financial Planning and Investment Management For Physicians, By Physicians
SHEARWATER CAPITAL
The best preparation for tomorrow
is to do today’s work superbly well.
- Sir William Osler
Father of Modern Medicine
Physician-Focused Wealth Management
Shearwater Capital is a fee-only registered investment advisory firm serving clients from across the United States. We offer comprehensive investment management and financial planning services to physicians and their families. We use an evidence-based approach, grounded in academic finance, to help our clients grow and protect their financial assets. As a fiduciary, Shearwater Capital places our clients’ interests first in everything we do.
You deserve a financial partner who understands both medicine and money
Physicians face unique financial challenges, from years of training and student debt to delayed earnings and liability risks. As fellow physicians, we have lived these challenges ourselves and have helped hundreds of physicians navigate them successfully to build financial security.
Since 1999, we’ve helped physicians, and their families, translate scientific thinking into financial success. When you work with us, you get more than investment management; you gain a thoughtful partner who listens to your story, understands your priorities, and designs a plan that fits your life. Our approach focuses on low costs, tax efficiency, and disciplined decision‑making so you can concentrate on what matters most to you.
Are you ready to see what’s possible? Request an introduction to discover how we can help you live the life you've imagined.
Comprehensive financial planning
Your plan will encompass many aspects of your financial life. We analyze your your financial picture and provide clear recommendations to help secure your future.
First we listen, then we act
Every journey begins by understanding where you want to go. In your initial meeting we ask thoughtful questions about your goals, values and concerns. Once we know what matters most to you, we craft a customized strategy to help you get there.
Retirement planning specialists
For more than two decades we’ve worked closely with physicians and their families to ensure they have the income needed to live comfortably in retirement. We design tax-efficient savings and withdrawal strategies tailored to your unique situation so you can enjoy your post‑career years without financial stress.
Relax
We are here whenever you need us. As your life and career evolve, so should your financial plan. We’ll be by your side to answer questions and keep your plan aligned with your changing priorities.
For Physicians, By Physicians
At Shearwater Capital, we understand the financial journey of physicians because we have lived it ourselves. With decades of combined experience in both academic medicine and private practice, our founders bring invaluable insight into the unique challenges and opportunities doctors face, from educational debt and delayed earnings to managing a complex practice and preparing for retirement.
For more than two decades, we have focused exclusively on guiding physicians and their families through every stage of their financial lives. Whether you are completing residency, growing your practice, or planning for retirement, our perspective and expertise, shaped by firsthand experience, help ensure that the secure future you have worked so hard for is within reach.
As a physician-led firm, we design tailored financial strategies that reflect the realities of a medical career. Our goal is simple: to give you confidence in your financial plan and the freedom to focus on what matters most - your patients and your family.
Client-Focused
As a fee-only advisor, our compensation comes solely from our clients. We do not accept commissions, referral fees, or incentives from investment providers. This conflict-free structure ensures that every recommendation we make is guided only by what we believe is best for you. Simply put, your success is our success.
