Clearwater Investment Management LLC

Overview

Clearwater Investment Management LLC is a small, fee-based advisory firm that focuses on discretionary portfolio management for individuals and small businesses. The firm’s client base is primarily individual and family clients, and its advisory model charges a percentage-of-AUM fee. Investment activity is concentrated in publicly traded, exchange-traded equities, with equity exposure representing the dominant allocation across managed accounts. Clearwater does not position itself as an ESG-focused manager, nor does it act as a multistate or pension consultant; the business appears built around individualized, hands-on management rather than large-scale institutional advisory programs. Given the firm’s structure as a single-owner LLC and its modest scale, investment decisions are likely made with a direct manager-to-client relationship in mind. That profile suggests an emphasis on tailored equity portfolios — implemented through a mix of individual stocks and exchange-traded products — supplemented where appropriate by mutual funds and select external real estate strategies to add income or diversification.

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