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Headwater Investment Consulting - Wealth Management Specialists since 2004, helping families, individuals, foundations, and endowments.

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Together, we work toward your financial success.

 

Just as the headwater is the source or beginning of the water for a river, Headwater Investments is your source for planning your financial future. You and your investment portfolio receive personalized attention from our team of knowledgeable investment advisors and staff.

Let us guide you through the changing financial needs of your family, your business, and your retirement.

Contact us today to learn more about our services and how we can help you achieve your financial goals.

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Services Outstanding services

 Individuals & Families

Personalized financial services to address your needs now, as well as plan for the future.

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 Non-Profits & Endowments

Specialized services unique to the fiduciary requirements of your board.

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 Charitable Giving

Knowledgeable in helping you establish your legacy of charitable giving.

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Team Our team of professionals

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Scott Chambers

Founding Partner
President & CCO

Ph.D.

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Scott Chambers

Part 2B of Form ADV

At Headwater Investments, Scott primarily oversees portfolio strategy, client service, compliance and client development.

Scott earned a Ph.D. from UC Davis in 1988 and was a Professor of Finance at Linfield College from 1990 to 2013, where he pursued an active and specialized research program in issues confronting endowments and foundations. At Linfield, he taught investments, money and banking, and a special course which studied financial institutions on-site in Portland, Seattle, and New York City. Scott served as Linfield College's Vice-President for Finance and Administration from 1995 to 1996 and continued to assist in the oversight of the College’s endowment during his employment. He spent the 1997-98 academic year in England at the Nottingham Business School as a Visiting Fellow of Finance.

Scott has been an active member of the McMinnville Rotary Club since 1994 and a Board of Director for First Federal Savings and Loan of McMinnville since 2000. Currently, Scott chairs the institution’s finance committee and is a Trustee of Linfield College. Scott speaks frequently to local and national groups about investments and economics. His research has been published in a variety of journals.

Bio
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Thomas Sherwood

Managing Partner

MBA, CFP®

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Thomas Sherwood

Part 2B of Form ADV

As Portfolio Manager and Retirement Specialist, Tom assumes many of the day-to-day responsibilities: responding to client inquiries, portfolio analysis, retirement forecasting, trading, and research.

Tom earned his BA with a double major in Economics and Finance in 2010 from Linfield College, received his Certified Financial Planner™ (CFP®) designation in 2015, and completed the University of Oregon Executive MBA program in June 2017. Additionally, Tom has a Chartered Retirement Planning Counselor℠ (CRPC®) and a Chartered Retirement Planning Specialist℠ (CRPS®) designation from the College of Financial Planning. Before joining Headwater Investments in 2011, Tom worked at Morgan Stanley in Portland, Oregon, as a Financial Advisor.

In his free time, Tom serves on the Board of Directors of Delta Psi Delta at Linfield College, which is among the oldest local fraternities in the United States and is the Treasurer of the McMinnville Noon Rotary Club. He completed the McMinnville Area Chamber of Commerce Leadership Program in 2013 and the Newberg Chamber of Commerce Leadership Program in 2017. Tom served as Treasurer for the Yamhill County Cultural Coalition from 2014 to 2016. Tom and his wife Rose live in Sherwood, Oregon, and spend their free time outdoors, reading, golfing, and bike riding.  

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Bio
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Kevin Chambers

Managing Partner

MBA

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Kevin Chambers

Part 2B of Form ADV

Kevin's role is dual-pronged. As Client Manager, Kevin is our primary contact for new client relationships, handles daily client inquiries, and conducts our overall client outreach. As a Research Analyst, his responsibilities include capital markets analysis, due diligence research, and market commentary.

In 2011, Kevin earned his BA with a double major in Economics and International Political Economy from the University of Puget Sound in Tacoma, Washington, and completed the Willamette University MBA for Professionals program in August 2017. After graduation from the University of Puget Sound, he worked for a mid-sized institutional investment consulting firm in Seattle, Washington. He was primarily responsible for servicing pensions, endowments, and foundations of over $50 million. In this role, Kevin prepared materials for board members that included tracking financial performance for institutional clients and producing investment performance reports to satisfy what large institutions require for due diligence. Kevin joined Headwater Investments in November 2013.

Kevin has been active in the McMinnville Community from an early age working with various local organizations. Kevin has completed the McMinnville Area Chamber of Commerce Leadership Program and is currently a member of the McMinnville Noon Rotary Club. He has also worked as a professional river guide in Alaska, Idaho, Oregon, and the Grand Canyon. 

Bio

Carol B. Mason

Business Operations & Marketing Manager

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Carol B. Mason

CB joined Headwater Investments in 2006 to manage the web-based and traditional marketing efforts, respond to client requests and inquiries, supervise and coordinate the firm’s information technology systems, and handle office administration.

CB earned her BS in International Business from Linfield College in 1994. For the next 10 years, she held various roles at adidas in Portland, Oregon, in the Global Footwear Logistic and Apparel Marketing groups, including Product Line Manager, Merchandise Manager, and Operations Manager.

She stays active in the community as a group fitness instructor, a volunteer in her sons’ schools, and a mentor to Linfield students. CB has previously served as an advisor on the McMinnville Area Chamber of Commerce Leadership Committee and as President of the Board of Directors for Trinity Learning Center and the PTA of an elementary school. She has recently joined the board for the McMinnville Education Foundation.

Bio

Virginia Teller

Accounting & Compliance Specialist

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Virginia Teller

In 2009, Ginger joined Headwater Investments to coordinate compliance measures, handle the bookkeeping and implement our internal auditing processes.

After earning her BS in Accounting from Linfield College in 1999, Ginger joined the Oregon Secretary of State Audits Division in Salem, Oregon. During her 5 years as a governmental auditor, Ginger reviewed financial operations, computer systems, and agency programs to ensure all operations were conducted economically, effectively, efficiently, and in compliance with laws, regulations, and guiding principles.

Ginger stays active in the community as the treasurer for McMinnville Young Life and was a leader in a citywide women’s bible study for 10 years. She and her husband also offer support to and mentor Linfield students involved in the community.

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503-565-2100
 
408 SE 1st Street
McMinnville, OR
97128 USA

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