SHEARWATER CAPITAL

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

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

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...

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

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

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

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

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 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...

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

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...