Clear Waters Financial Network LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Clear Waters Financial Network LLC is a fee‑only investment adviser that provides financial planning and portfolio management to individuals and, occasionally, small businesses and non‑profits. Portfolio management is typically offered on a discretionary basis while financial planning engagements range from comprehensive written plans to annual reviews and standalone consultations.
The firm uses both fundamental and technical analysis to build portfolios composed of exchange‑listed stocks, mutual funds, ETFs and bonds, and may employ covered stock options for hedging. Strategies are tailored to clients’ objectives and risk tolerance—using more passive fixed‑income approaches for capital preservation and more active equity‑oriented strategies for growth—and the firm applies concentration limits to help control single‑holding risk.
The registered adviser has an atypical professional background for the industry—a Ph.D. in stream ecology and a history in environmental risk assessment—and continues to perform part‑time environmental consulting, a relationship the firm discloses and manages by avoiding investments in companies for which it provides consulting. The brochure also documents experience with divorce‑related financial analysis (a prior CDFA credential is not currently renewed) and states the firm requires Charles Schwab as custodian for portfolio management clients; the firm does not accept commissions or sell insurance products.
Client services
Expertise
Fee options
Comprehensive One-Time Financial Plan: $2,500 fixed fee; Annual Financial Plan Review: $1,500 fixed fee (waived for clients with discretionary AUM).
$0 - $1,000,000: 1.0% annually $1,000,000 - $2,000,000: 0.5% annually $2,000,000+: 0.25% annually
$300/hour for Separate Financial Planning Consultations.
Account minimum: $100,000 Fee-only: Fee-only financial planning firm, no commissions received.
Main office
Dunedin FL
Advisors at this office
1
Most active in
Colorado
Also doing business as
Clear Waters Financial Network LLC · Clear Waters Financial Planning LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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