SHEARWATER CAPITAL

By Jeffrey J. Brown, MD, MBA, CFA®, CFP® Investors have been increasingly concerned about inflation recently, and with good cause. In...

By Jeffrey J. Brown, MD, MBA, CFA®, CFP® Physicians spend their careers providing individualized care to their patients. Like their...

By Jeffrey J. Brown, MD, MBA, CFA®, CFP® Diversification is a popular investment strategy, and with good reason, as it is one of the...

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...

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...

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

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

“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...

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

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

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...

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

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

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

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

Vanguard recently published a white paper on “advisor’s alpha,” in which they discuss and attempt to quantify the value an investment...

Two of the most common questions people ask about retirement planning are, “How much should I save?” and “Am I on track with my...

Shearwater Capital was founded 14 years ago on a simple premise: offer an investment approach based on the best available evidence from...

The main goal for most investors is to save for a comfortable retirement. While each individual’s retirement planning strategy should be...