Our investment philosophy is based on the best practices of leading financial economists and institutional money managers. We use an approach called Evidence-Based Investing to bring academic research to the world of personal finance. We offer broadly diversified portfolios tailored to each client's unique financial needs. Our goal is to help our clients secure their financial futures, improve their lives, and fulfill their dreams.

Objectivity

As an independent investment advisory firm, we have no incentive to sell a particular brand of mutual fund or annuity. We offer objective analysis and advice based strictly on your needs. In other words, our allegiance is to you - not to any specific fund group or insurance company.

The big picture

To provide sound financial advice, we must understand how all the investments in your portfolio fit together. This differs from other approaches that look at investment accounts independently. By coordinating the management of different segments of your portfolio, we provide the ultimate in personalized financial advice.

Take a long-term view

You don't need to "time the market" or "beat the market" to succeed. In fact, these strategies can be harmful to your financial health. It is much more productive to use the market to attain your financial goals over the long term. We will show you how to do this. We also provide portfolio rebalancing to keep you headed toward your goals amid changing market conditions.

Modern Portfolio Theory

The Nobel Prize-winning economist, Harry Markowitz, revolutionized the field of academic finance when he discovered that owning a diversified portfolio can reduce risk without sacrificing expected returns. We build broadly diversified portfolios for our clients designed to provide the highest expected returns consistent with an appropriate risk level.

Fees and taxes matter

Fees and taxes have a major impact on long-term portfolio performance. At Shearwater Capital, competitive fees and sophisticated tax-minimization strategies are used to boost your after-tax returns.