Clearwater Capital Management

Clearwater Capital Management provides discretionary investment management primarily to high-net-worth individuals through separately managed accounts, overseeing both taxable and tax‑deferred portfolios. The firm does not maintain a client base of non‑high‑net‑worth individual investors, reflecting a focus on wealthier households.

Investment decisions are typically implemented on a discretionary basis and are driven by a fundamental, long‑term research approach, supplemented by technical and cyclical analysis as appropriate. Portfolios mix diversified equity selections across market capitalizations with conservative fixed‑income holdings limited to U.S. government securities, investment‑grade corporate bonds, municipal bonds and certificates of deposit.

Compared with peers, the firm manages a substantial amount of assets for a relatively small number of clients, consistent with a more bespoke, concentrated advisory practice and regular account reviews with quarterly reporting. The firm’s principal also serves as an independent trustee on multiple registered investment company boards, and the firm generally votes proxies for securities held in client accounts.