Shearwater Capital

Shearwater Capital, LLC is a registered investment advisor founded in 1999 by Jeffrey Brown and Eric Malden. The firm specializes in providing investment management advice, comprehensive financial planning, and investment supervisory services for individuals, families, high net worth individuals, qualified retirement plans, and trusts. Shearwater Capital follows a scientific approach to investing, emphasizing global diversification, tax efficiency, and low fees. The firm believes in a long-term investment view and focuses on passive asset class exposure for reliable risk-adjusted returns. Clients receive tailored asset allocation strategies through an Investment Policy Statement, reviewed annually or upon client request. Shearwater Capital charges fees based on a tiered annualized fee schedule, ranging from 0.85% for accounts under $100,000 to 0.15% for accounts over $10,000,000. The firm is fee-only, avoiding commission-based structures to prevent conflicts of interest. Clients have investment discretion options, with 99.7% preferring Shearwater Capital's management based on the IPS, while 0.3% opt for active involvement in investment decisions. The firm does not provide legal or accounting advice and uses third-party custodians for client assets. Shearwater Capital does not engage in performance-based fees, and clients must have a minimum account size of $500,000, which can be waived at the firm's discretion.