C
Clearwater Capital Management
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$139,300,000
Clients
18
100% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
18
LowAverage account size
$7,738,889
About
Clearwater Capital Management provides discretionary investment management primarily to high-net-worth individuals through separately managed accounts, overseeing both taxable and tax‑deferred portfolios. The firm does not maintain a client base of non‑high‑net‑worth individual investors, reflecting a focus on wealthier households.
Investment decisions are typically implemented on a discretionary basis and are driven by a fundamental, long‑term research approach, supplemented by technical and cyclical analysis as appropriate. Portfolios mix diversified equity selections across market capitalizations with conservative fixed‑income holdings limited to U.S. government securities, investment‑grade corporate bonds, municipal bonds and certificates of deposit.
Compared with peers, the firm manages a substantial amount of assets for a relatively small number of clients, consistent with a more bespoke, concentrated advisory practice and regular account reviews with quarterly reporting. The firm’s principal also serves as an independent trustee on multiple registered investment company boards, and the firm generally votes proxies for securities held in client accounts.
Client services
Portfolio management
Expertise
Wealth management
Fee options
$0 - $3 million: 0.75% annually $3 million - $10 million: 0.60% annually $10 million+: 0.50% annually
Account minimum: $1,000,000 Fee-only: Advisory fees based on tiered percentage of assets under management, payable quarterly in arrears.
Main office location
Clearwater Capital Management
Naples FL, United States
Number of offices
3
Most active in
Clearwater Capital Management has reported serving >5 clients in these states in the last 12 months.
Florida · Minnesota
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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.
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