Clear Waters Financial Network LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$20,477,000
Total clients
37
0% high-net worth
Total advisors
1
of 2 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
37
Average account size
$553,432
About
Clear Waters Financial Network LLC is a fee-only advisory firm that provides comprehensive financial planning and portfolio management primarily to individual clients (the firm’s client base does not include high‑net‑worth individuals) and, on occasion, small businesses and non‑profits. The firm also describes serving clients undergoing divorce and may perform related financial forensics as part of planning engagements, and offers educational seminars and written materials for client education.
The firm generally prefers to manage accounts on a discretionary basis and asks clients to grant trading authority to implement its recommendations in a timely manner. Investment decisions draw on both fundamental and technical analysis, with portfolios typically diversified across stocks, bonds, ETFs and mutual funds and occasional use of covered options for hedging; the firm also applies explicit concentration limits for non‑diversified and diversified products.
Compared with many peers, Clear Waters operates at a small scale — it manages roughly $20 million in discretionary assets for a limited number of clients — and is run by a single registered advisor who combines formal financial planning credentials with an interdisciplinary background in environmental science and consulting. The firm requires Charles Schwab as custodian for its portfolio management clients, operates as a fee‑only practice with no insurance commissions, and maintains written financial planning deliverables with periodic (typically annual) reviews.
Client services
Expertise
Fee options
Comprehensive One-Time Financial Plan: $2,500 fixed fee; Annual Financial Plan Review: $1,500 fixed fee (waived for clients with discretionary AUM and prior comprehensive plan);
$0 - $1,000,000: 1.0% annually $1,000,001 - $2,000,000: 0.5% annually $2,000,001+: 0.25% annually
$300 per hour for Separate Financial Planning Consultations.
Account minimum: $100,000 Fee-only: Fee-only financial planning firm; no commissions received.
Main office location
Clear Waters Financial Network LLC
Palisade CO, United States
Number of offices
1
Most active in
Colorado
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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