Investment Philosophy
Our preferred investment approach is built on a simple principle: your wealth should serve your goals, not feed unnecessary costs and taxes. When selecting investing partners, we help ensure more of your money stays invested for what matters - your family, your legacy, and the causes you care about.
Evidence-Based Strategy
We select portfolios based on decades of academic research and real-world evidence:
Systematic, disciplined investment approach
Tax-efficient portfolio design and management
Low-cost implementation to maximize returns
Strategic rebalancing for risk management
Clear reporting and performance tracking
Your Choice in Implementation
While we offer investment management services, they remain completely optional:
Freedom to use our planning services independently
No pressure to move existing investments
Coordination with your existing investment relationships if preferred
Investment Management Fee Structure
Still Water Investment Advisory Fees
A transparent, tiered fee structure:
1.00% on the first $1,000,000
0.50% on amounts from $1,000,001 to $5,000,000
0.25% on amounts above $5,000,000
Additional Investment Costs
For complete transparency, your total investment costs include:
Portfolio platform, construction, and management fees paid to Investment Managers: 0.40%
Underlying ETF costs: 0.14% - 0.25%
Use our calculator to estimate your total investment management costs.
Note: Investment management fees are credited against your annual planning fee. These fees are paid for referring you to our choice investment managers.