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Clearwater Capital Partners
Clearwater Capital Partners (CCP) sits in the northwestern Chicago suburbs, a geographic choice that defines its practice. The firm targets families whose...
Clearwater Capital Partners
Clearwater Capital Partners (CCP) sits in the northwestern Chicago suburbs, a geographic choice that defines its practice. The firm targets families whose liquidity events or accumulated professional earnings require more deliberate structure than a brokerage relationship but whose scale does not yet command the attention of the national multi-family offices headquartered downtown. CCP's posture is planning-forward — estate strategy, intergenerational transfer, concentrated-stock diversification — with investment implementation flowing from the planning framework rather than driving it. The firm constructs multi-asset-class portfolios spanning public equities, fixed income, private capital, and real estate, typically implemented through a mix of direct securities, separately managed accounts, and curated alternative fund commitments. Stage and sector tilts vary by client mandate rather than a house view. CCP does not publicly disclose its manager roster or specific portfolio company names. The investment process emphasizes after-tax outcomes and drawdown management, reflecting the tax sensitivity of its Illinois client base. CCP is deliberately lean — there is no large institutional asset-gathering franchise behind it, and it does not operate satellite offices in Sun Belt relocation magnets. That localized, relationship-concentrated structure means a small team of advisors and analysts, each managing a client count that allows quarterly, rather than annual, direct principal contact. The firm does not maintain a separate philanthropic foundation, opting instead to embed charitable planning within its broader estate architecture. Structurally, CCP functions as an independent multi-family office with no parent bank, no proprietary product shelf, and no cross-sale pressure — a configuration that is difficult to scale but aligns the firm's revenue solely with advisory fees. That independence is the genuine structural differentiator in a Midwest corridor dominated by bank-owned wealth management divisions and insurance-affiliated advisory practices.
General information
Firm type
Multi Family Office
Year founded
2010
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Hoffman Estates
Corporate office
Hoffman Estates, IL, United States
Frequently asked questions
Who runs investment decisions at Clearwater Capital Partners?
Clearwater Capital Partners operates a team-based advisory model where investment decisions flow from client-specific planning objectives rather than a single CIO mandate. The firm has not publicly disclosed an individual chief investment officer or named lead portfolio manager as of its most recent regulatory filings. Advisor teams coordinate with external custodians and fund managers to implement allocation decisions.
Is Clearwater Capital Partners structured as a single family office or a multi-family office?
Clearwater Capital Partners is structured as a multi-family office serving multiple unrelated client families. The firm operates independently, without affiliation to a parent bank or insurance company. This independent structure means its advisory fees are not influenced by proprietary product distribution quotas.
Does Clearwater Capital Partners offer access to private investments?
Yes. CCP constructs portfolios that include private capital and real estate allocations alongside public market exposures. The firm typically accesses private investments through curated fund commitments rather than direct co-investments or proprietary deal origination. Specific fund managers and commitment sizes are not publicly disclosed.
How does Clearwater Capital Partners source its clients?
CCP draws clients predominantly from the Chicago metropolitan region, with a concentration in the northwest suburban corridor where it is headquartered. The firm's client base includes business owners executing liquidity events, corporate executives with concentrated equity positions, and professionals whose wealth has outgrown standardized retail advice. Referral networks from estate attorneys and accountants in the region form its primary sourcing channel.
What is Clearwater Capital Partners' known posture on tax planning?
Tax planning is central to CCP's investment process. The firm emphasizes after-tax outcomes, concentrated-stock diversification strategies, and intergenerational transfer architecture that accounts for Illinois state tax exposure. Investment implementation — including asset location across taxable, tax-deferred, and tax-exempt accounts — follows the planning framework rather than dictating it.
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