Institutional Advisory Services
Your Business, Your Employees, Our Commitment
Managing retirement and institutional solutions comes with its share of challenges—whether it’s navigating compliance, balancing costs, or keeping employees engaged. You need more than just a standard approach; you need a partner dedicated to transforming your retirement plan into a strategic advantage.
At Clearwater Capital Partners, we offer customized solutions designed to align with your organizational goals and empower your employees to actively shape their financial futures, to make more informed decisions that enhance their retirement readiness. Through transparency in fees, tailored education, and strategic planning, we support your efforts to attract, retain, and engage top talent, all while fostering long-term growth for your retirement and benefits programs.
With Clearwater, you’re not just addressing today’s challenges—you’re building a stronger future for your business and your employees.
How We Help Your Business Thrive
Going Beyond Fiduciary Duty
Your institution deserves more than basic fiduciary oversight. We go beyond the basics, delivering tailored solutions that align with your goals and are dedicated to the well-being of your employees.
Consultative Approach
We collaborate to design retirement solutions that reflect your unique business goals. This includes regular check-ins, investment monitoring, and dedicated Investment Policy Committee meetings to ensure your plan evolves with both business needs and market dynamics. Our ongoing strategic guidance and reporting help you make informed decisions for long-term success.
Forward Focused Financial Experts
With Clearwater, your retirement plan is backed by a team of seasoned professionals, including credentialed advisors and specialists, committed to your long-term success. We provide forward-thinking guidance, offering the deep expertise needed to help your solutions grow with your evolving goals.
Transparent Funds & Fees
Transparency is key. We provide a clear, detailed breakdown of all costs, ensuring they are aligned with your organization’s budget and objectives.
Personalized Education & Financial Wellness Initiatives
Financial empowerment begins with knowledge. Our programs, including one-on-one coaching and accessible digital resources, are designed to foster a culture of financial confidence and engagement across your team.
Helping You Thrive
Our Commitment, Your Success
At Clearwater Capital Partners, we are more than advisors—we are your dedicated strategic partners. Our commitment extends beyond providing guidance; we offer unwavering support and innovative solutions designed to help your company thrive. Together, we’ll transform challenges and needs into opportunities for long-term growth and success.
Tailored Solutions for Your Business
Clearwater Capital Partners redefines what it means to be a partner in retirement by providing tailored financial guidance, exceptional service, and dedicated support. We are proud to be uniquely positioned to help employers manage their 401(k), 403(b), defined benefit and nonqualified compensation plans. The knowledge backed by our institutional team allows us to keep your plan competitive, engage your employees, and assist with fiduciary oversight.
With comprehensive investment options, innovative tools to help employees stay on track, group and one-on-one employee retirement, and investment education sessions, we provide the resources to support your workforce’s financial well-being.
Institutional Solutions for Your Business
Elevate your organization with our innovative solutions, overcoming both long-standing obstacles and current challenges. At Clearwater Capital Partners, you will have access to tailored solutions that cater to the different roles, needs, and goals of your employees.
Effective Plan Oversight and Risk Mitigation
Effective plan oversight and risk mitigation require more than meeting fiduciary obligations. We deliver a disciplined, goal-oriented approach that includes transparent fee benchmarking, proactive cost management, tailored plan design, ongoing investment oversight, and participant education strategies. Our comprehensive services and structured process help reduce administrative burdens, mitigate risks, and support better outcomes for your employees while protecting your plan and delivering measurable value.
Listen. Engage. Succeed.
Fiduciary Responsibility
As an Independent Registered Investment Advisor, we adhere to the highest fiduciary standard of care, not just because it is a legal obligation, but because it represents the foundation of our commitment to serving the best interests of our clients. Our Institutional Services team, holding the Accredited Investment Fiduciary® (AIF®) and Accredited Investment Fiduciary Analyst® (AIFA®) designations, exemplifies this commitment through a disciplined, service-oriented approach to fiduciary responsibilities.
Key Elements of Our Fiduciary Review Process:
Investment Committee (IC) Formation and Engagement
The Investment Committee is pivotal to the prudent management of your retirement plan. Recognizing the significance of this role, we assist in forming and engaging your IC, offering guidance to uphold fiduciary best practices, and conducting regular reviews to manage compliance and reduce potential liabilities.
Effective Plan Design
Each qualified plan should reflect the unique needs of both the business and its employees. We collaborate with you to design a dynamic plan that aligns with your objectives, to enhance both retirement outcomes and employee engagement.
Investment Policy Statement (IPS)
A robust IPS is essential for disciplined plan management. It outlines the parameters and objectives for monitoring the plan’s investment options. We help ensure the IPS is not only well-crafted but is also adhered to, fostering consistent and prudent plan oversight.
Investment Due Diligence
Ongoing evaluation of the plan’s investment options is crucial. We support you in assessing the investments against benchmarks and peer averages, documenting this process to maintain alignment with the IPS and uphold fiduciary standards.
Vendor and Cost Oversite
Regular review and benchmarking of plan costs and services is vital to ensure they are competitive and provide value. As a co-fiduciary we act as your liaison with plan providers, facilitating smooth operations and efficient management.
Participant Education & Experience
Educating plan sponsors and participants is fundamental to the success of any retirement plan. Our team, including advisors and CERTIFIED FINANCIAL PLANNER™ (CFP®) professionals, provides education to help participants understand the importance of consistent and strategic planning for their financial future.
Comprehensive Plan Success
Ensuring your plan is aligned for long-term success starts with a well-defined process for selecting, monitoring, and reviewing your investment lineup.
Open Architecture
Our approach provides unlimited access to various investment fund managers, offering flexibility and alignment with your plan’s Investment Policy guidelines. This open framework ensures fiduciaries can evaluate prudent investment options tailored to the plan’s specific needs.
By prioritizing the best interests of plan participants, our fee-only fiduciary approach empowers employees to create personalized asset allocation strategies with open architecture and a focus on transparency, your workforce benefits from investment solutions designed to meet their individual goals.
Share Class Due Diligence
Understanding the share class options available in the marketplace is crucial. Our team works closely with you to evaluate these choices and their impact on the long-term retirement savings of your participants. This diligent process underscores our commitment to fiduciary responsibility, guiding the plan’s investment lineup to align with your participants’ best interests.
The Importance of Asset Allocation
While savings rates are a critical component of retirement success, asset allocation is equally important. Allocating investments across a diverse set of asset classes and periodically rebalancing helps your participants manage risk, avoid overconcentration, and benefit from global economic opportunities. For asset allocation to succeed, it must be aligned with each individual’s goals, risk tolerance, and time horizon. Providing your participants with the tools needed to successfully accomplish this is our priority.
Personalized Education & Financial Wellness Initiatives
Achieving retirement success goes beyond selecting the best investments. It requires a thoughtful balance of factors, including consistent savings, adapting to life changes, navigating investment realities, and aligning with evolving goals. True financial security in retirement comes from a comprehensive approach, not just individual investment choices. Recognizing that each individual’s financial path is unique, we offer various resources and tailored education designed to meet participants at their specific needs and goals. Through a combination of digital tools and one-on-one coaching, we provide your team with comprehensive support essential for their success.
About Clearwater
Our Mission
Our mission is to transform lives through deep personal relationships and curated wealth solutions, always with the strictest discretion and confidentiality.
Our History
Clearwater Capital Partners was founded in 2006 by John Chapman, a seasoned Wall Street professional with over 40 years of experience. After witnessing countless industry pitfalls—conflicts of interest, non-disclosure of material facts, and broken promises—John set out to build something different: a firm rooted in integrity, transparency, and genuine advice.
At Clearwater, we believe investors deserve more than fragmented sales pitches and cookie-cutter solutions. Our approach has always been simple yet powerful—deliver honest, competent advice on the issues that matter most. These principles, which shaped our beginnings, remain the foundation of our success today.
Our firm has thrived thanks to the trust of our clients, growing primarily through referrals. This loyalty is a testament to the relationships we’ve built and the confidence our clients place in us. Today, with a national presence and a dedication to redefining client-first principles, Clearwater Capital Partners continues to excel.
We exist to inspire and empower our clients to live with joy, confidence, and a spirit of abundance.
We Are Right by Your Side
Regulators have set a high standard for fiduciaries, yet many decision-makers who oversee their organization’s qualified plan do not recognize the many responsibilities and liabilities they must satisfy. A comprehensive fiduciary review –conducted objectively by qualified experts – can help identify potential deficiencies in the operation and oversight of your retirement plan.
With a comprehensive suite of institutional solutions, diverse investment options, and innovative tools, we’re here to support your business needs and empower your employees to move forward with confidence.
