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Four Ways To Prepare For A More Affordable Retirement

By Jeffrey J. Brown, MD, MBA, CFA®, CFP® What does your ideal retirement look like? Traveling? Volunteering? Spending time with family? T...

How To Protect Yourself From Cyberattacks

By Jeffrey J. Brown, MD, MBA, CFA®, CFP® We know that life is busy and stressful—that’s a given in 2020! The last thing you need to deal w...

Equity Premiums - A Baseball Analogy

By Jeffrey J. Brown, MD MBA CFA CFP® Investing can be analogous to baseball. The better team does not win every inning. In fact, good tea...

What We Do And How We Can Help

By Jeff Brown, MD, MBA, CFA®, CFP® It can be hard enough to manage your finances when your circumstances are relatively simple, let alone...

Why I Became A Financial Advisor

By Jeff Brown, MD, MBA, CFA®, CFP® When it comes to choosing a career, some people are drawn to certain jobs or industries because of a p...

The Bear Market of 2020

A bear market is defined as a 20% drop from a recent high in the stock market. Most major stock markets in the U.S. and around the world ...

Retirement Distribution Strategies-Part 1

One of the most important decisions in retirement planning is how to withdraw your retirement savings in a way that maximizes income and ...

Financial Strategies for Retirement

Most people approaching retirement are concerned about having enough income to maintain their lifestyle and sufficient savings to avoid r...

Why Dimensional?

When Shearwater Capital was founded in 1999, most financial advisors were recommending actively managed funds with exorbitant annual expe...

History Lessons

A fundamental principle of financial economics is the idea that risk and return are inextricably linked. However, when it comes to invest...

Positive Expected Returns

“What’s the stock market going to do?” If you have read our past newsletters, you know that we are not market prognosticators. It is diff...

Estate Planning: Why It's Important

The main purpose of estate planning is to exert some control over the distribution of your assets after your death. One of the most commo...

Dimensional Funds vs. ETFs

As a fee-only, independent investment advisory firm, we are free to choose any available investment option for our clients. For the past ...

Cryptocurrencies & the Blockchain Revolution

By now, you have undoubtedly heard of cryptocurrencies, like Bitcoin and Ethereum. Not surprisingly, we have received inquiries about inv...

Market Complacency

Since 2012, the stock market has demonstrated below average volatility and positive returns, potentially lulling investors into a false s...

Time Value of Money

The time value of money is the concept that a dollar today is worth more than a dollar next month, next year, or ten years from now. This...

Socially Responsible Investing

Socially responsible investing refers to an investment strategy that considers the potential impact of your investments on society in additi

No Load Insurance

What's the answer? "Buy more life insurance!" What's the question? "Doesn't matter...the answer is always the same" This standard joke am...

Why Invest in Stocks?

Why do we invest in stocks? Stocks are risky. Why not just buy U.S. treasury bonds and get a guaranteed rate of return backed by the full...

Social Security (Part 1)

An often overlooked component of retirement planning is how best to utilize your Social Security benefits. Some financial advisors recomm...

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Financial Planning and Investment Management For Physicians, By Physicians

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