Financial Planning and Investment Management For Physicians, By Physicians

SHEARWATER CAPITAL

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    History Lessons

    History Lessons

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

    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...
    Estate Planning:  Why It's Important

    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...
    Dimensional Funds vs. ETFs

    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

    Cryptocurrencies & the Blockchain Revolution

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

    Market Complacency

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

    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

    Socially responsible investing refers to an investment strategy that considers the potential impact of your investments on society in additi
    No Load Insurance

    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...
    Why Invest in Stocks?

    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)

    Social Security (Part 1)

    An often overlooked component of retirement planning is how best to utilize your Social Security benefits. Some financial advisors...
    How to Build Your Roth Assets: Part 2

    How to Build Your Roth Assets: Part 2

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

    How to Build Your Roth Assets: Part 1

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

    The Randomness of Asset Class Returns

    Academic research has shown that there is little predictability in asset class performance from one year to the next. To illustrate this...
    Individual Bonds: Are They Really Better Than Bond Funds?

    Individual Bonds: Are They Really Better Than Bond Funds?

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

    Advisor’s Alpha

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

    How Much to Save

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

    A Scientific Approach

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

    Pay Yourself First

    Shearwater Capital was founded in 1999. During the past 14 years, we’ve had an opportunity to observe which factors have contributed the...
    Buckets

    Buckets

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