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What We Do

Shearwater Capital offers investment management services for physicians and their families emphasizing low costs and tax efficiency to maximize client value. Investment portfolios are mainly structured using Dimensional funds, which excel at applying academic research to practical investing. The following services are among our core areas of expertise:

Investment Management


We use a scientific approach to investing, based on broad global diversification and cost minimization, with an emphasis on value and small capitalization stocks, which have historically outperformed the overall market averages over long time periods.

Comprehensive Financial Planning

Based on a thorough review, we prepare a comprehensive financial plan that covers topics such as your investments, family budget, debt management, tax planning, insurance coverage, college savings, and estate planning, as well as detailed instructions for achieving your financial objectives.

Retirement Planning

We can help you design and implement a personal retirement savings plan. We advocate a “3-bucket” approach to retirement savings, utilizing traditional tax-deferred retirement accounts, Roth accounts, and taxable accounts to maximize savings opportunities and minimize investment-related tax liabilities.

Retirement Wealth Preservation

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. Based on the current tax laws and your own unique financial goals and circumstances, we will develop a retirement withdrawal strategy designed to meet your cash flow needs and estate planning goals, while mitigating the risk of running out of money in retirement.

Tax-Smart Investing

For investors, it’s not what you earn that counts; it’s what you keep. We use a number of tax-smart investing strategies that can help you keep more of what you earn. 

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