Shearwater Capital

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Client assets under management

$420,896,256

Clients

180

67% high-net-worth

Advisors

of 4 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

High

Average account size

$2,338,313

About

Shearwater Capital provides investment management, comprehensive financial planning, and supervisory services primarily for individuals, families, high net worth clients, qualified retirement plans, and trusts; the firm manages roughly $427 million for about 180 clients and operates with a small advisory team. Services include portfolio construction, ongoing account supervision, and coordination with sub-advisors for separately managed accounts.

The firm follows a scientific, long-term investment approach emphasizing broad global diversification, tax efficiency, and low-cost passive exposure, relying heavily on mutual funds and ETFs — notably Dimensional funds that the brochure describes as generally available only through approved advisors — and prepares a tailored Investment Policy Statement for each client that is reviewed at least annually. Most client accounts (about 99.7% of AUM) are managed on a discretionary basis in line with the IPS, with customization available where tax sensitivity or client preferences require it.

Distinctive features noted in the brochure include the use of customized separately managed accounts with independent sub‑advisors for tax-loss harvesting or charitable gifting and the firm’s willingness to establish margin accounts at a client’s request (while generally advising against margin loans). Shearwater also communicates with clients through periodic client communications and offers educational seminars and workshops, practices that the firm highlights alongside its fee-only, non-commission model and household-based fee treatment.

Client services

Financial planning Portfolio management Selection of other advisers Newsletters or periodicals Educational seminars or workshops

Expertise

Passive / index investing Tax-loss harvesting Wealth management

Fee options

Percentage

<$100,000 - $100,000: 0.85% $100,000 - $250,000: 0.75% $250,000 - $500,000: 0.65% $500,000 - $1,000,000: 0.55% $1,000,000 - $2,500,000: 0.45% $2,500,000 - $5,000,000: 0.35% $5,000,000 - $10,000,000: 0.25% >$10,000,000+: 0.15%

Other

Account minimum: $500,000 Fee-only: Fee-only investment advisory firm, investment management fees only

Main office location

Shearwater Capital

2000 S Colorado Blvd. Tower 1, Suite 2000 1148

Denver CO 80222, United States

Number of offices

Most active in

Arizona · California · Colorado · Florida · Illinois · Missouri · New York · Pennsylvania · Texas · Washington

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Facebook X Website 314-434-4750

Advisors at this firm

Pat W

Series 63, Series 65

Redondo Beach, CA

Shearwater Capital

Pat Wang is a financial advisor at Shearwater Capital with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with TD Waterhouse Investor Services Inc since 1999. Shearwater Capital serves individuals, families, high-net-worth clients, qualified retirement plans, and trusts by providing investment management, comprehensive financial planning, and investment supervisory services. The firm employs a scientific, long-term investment strategy emphasizing global diversification, tax efficiency, and low-cost passive funds, primarily utilizing Dimensional Fund Advisors’ products.

Passive / index investing Tax-loss harvesting Wealth management

Jeffrey B

CFA®, Series 65

Denver, CO

Shearwater Capital

Jeffrey Brown is a CFA® charterholder and holds a Series 65 license, with 26 years of experience in the financial industry. He has been with Shearwater Capital since 1999 and concurrently serves as Professor and Chair of the Department of Radiology at Saint Louis University School of Medicine since 2011. Shearwater Capital advises individuals, families, high-net-worth clients, qualified retirement plans, and trusts, providing investment management and comprehensive financial planning. The firm emphasizes a scientific, long-term investment approach focused on broad global diversification, tax efficiency, and low-cost, primarily passive investment products.

Passive / index investing Tax-loss harvesting Wealth management

Jared M

Series 63, Series 65

Ballwin, MO

Shearwater Capital

Jared Meese is a financial advisor at Shearwater Capital in Ballwin, MO, with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Shearwater Capital since 2007, following an earlier tenure at Edward Jones starting in 2000. Shearwater Capital serves individuals, families, high-net-worth clients, qualified retirement plans, and trusts by providing investment management, comprehensive financial planning, and investment supervisory services. The firm employs a long-term, scientifically based investment approach emphasizing broad global diversification, tax efficiency, and low-cost passive funds, primarily utilizing Dimensional Fund Advisors’ products.

Passive / index investing Tax-loss harvesting Wealth management

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