Introduction to Sweetwater Investments
Who we are
Sweetwater Investments is a client driven ( your wishes are our command), independent ( not owned by anyone but ourselves), fee only ( we do not sell any product so we have no conflict between getting paid more for getting you into a product created by us versus a product created by another vendor), fi-nancial advisor ( we are controlled by the SEC and our actions are judged by the standard of "is this in the best interest of our client") providing a select clientele ( we only work with clients because we can be of help not because we need more clients) with objective and customized solutions to wealth man-agement. Once the initial information gathering is completed clients have the opportunity to be as involved in the process as they choose to be.
What we believe
1. The most important service an advisor can provide is to be constantly mindful of what is important to the client
2. Our place is to use the myriad of information presented to you correctly. This requires a com-bination of real world experience, academic learning and a philosophical filter
3. Success depends on blending the experience of the advisor with that of the client so they rein-force each other. No advisor will last long if they ignore their client's input
4. The value of a relationship develops quantitatively but is measured qualitatively
5. A good investment plan will control as many of the factors effecting the client's investments as possible and substitute solid decision making criteria for emotionally driven actions
6. The financial markets are dynamic places if either the advisor or the client is overly fixated on a particular belief or method and are unwilling to adapt the relationship is doomed to failure.
What we do
We help you grow, enhance and perhaps most importantly protect wealth through a combination of objective advice, goal driven customized strategies and by continually reappraising the relationship of risk and reward between various asset classes. Portfolios are reviewed no less than quarterly and there is no automatic rebalancing. Changing asset allocation is made in concert with the client's goals, their

input, actions of the markets, valuation studies and solid knowledge of the markets. No investment plan can guarantee against loss. However, loss can be controlled by establishing and adhering to targets for appreciation and decline.
Our methods and disciplines are not changeable with every prevailing wind in the investment climate. We are deeply skeptical of most investment trends and products. The investments subjected to our methods usually form the core of a client's portfolio and provide the safety, peace of mind and stability that allows the client to pursue other interests. We tend to be very tax sensitive investors seeking to minimize taxable events or at least make them more palatable.
What are our goals
We have two goals in every relationship:
1. To serve the client so well and in such a fashion that we become the client's most trusted advisor
2. To provide service in such a way that the client will unhesitatingly recommend us to everyone they know.