SHEARWATER CAPITAL

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 passion, a natural ap...

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 entered bear market ...

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

Most people approaching retirement are concerned about having enough income to maintain their lifestyle and sufficient savings to avoid running out of money ...

When Shearwater Capital was founded in 1999, most financial advisors were recommending actively managed funds with exorbitant annual expense ratios. We had t...

A fundamental principle of financial economics is the idea that risk and return are inextricably linked. However, when it comes to investing, not all risk is...

“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 difficult for anyone to ...

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

As a fee-only, independent investment advisory firm, we are free to choose any available investment option for our clients. For the past 18 years, we have re...

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

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

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 makes sense because...

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

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

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 faith and credit of...

An often overlooked component of retirement planning is how best to utilize your Social Security benefits. Some financial advisors recommend not relying on S...

We recommend building your retirement assets by contributing to three separate “buckets” of money: 1) traditional retirement accounts; 2) Roth accounts; and ...

We recommend building your retirement assets by contributing to three separate “buckets” of money: 1) traditional retirement accounts; 2) Roth accounts; and ...

Academic research has shown that there is little predictability in asset class performance from one year to the next. To illustrate this point, the chart bel...

In constructing our client portfolios, we rely primarily on DFA funds, for both equity and fixed income securities. While most of our clients understand the ...