Scott Chambers and Brian Lawrence founded Headwater Investment Consulting in 2004.  Prior to forming the company, both Scott and Brian operated as independent investment advisors.
The People
Scott Chambers
Scott Chambers, Ph.D.
In 1988, Scott earned a Ph.D. from UC Davis and has been a Professor of Finance at Linfield College since 1990. He has assisted select endowments, foundations, and individuals as a Registered Investment Advisor since 1998. Scott served as Linfield College's Vice-President for Finance and Administration from 1996-97 overseeing the College's financial systems, business operations, facilities, risk management, human resources, and investment management functions. He spent 1997-98 in England at the Nottingham Business School as a Visiting Fellow of Finance. Scott has taught investments over the satellite educational broadcasting network, Ed-Net, and frequently speaks at national conferences on investments and asset management.
Brian Lawrence, CFA
Brian earned his BS in finance and economics from Linfield College in 1999. He became a Chartered Financial Analyst in 2002. Since 1999, Brian has worked as a Registered Investment Advisor, assisting individuals and institutions. As an analyst and portfolio manager, he directly managed asset allocated portfolios and initiated research into individual securities and pooled investments. Most recently, Brian owned and operated Lawrence Investment Management, an independent investment management company. In 2004, Scott and Brian united their strengths as partners in Headwater Investment Consulting. Brian is a member of the CFA Society of Portland.
Carol B. Mason
In 1994, CB earned her BS in International Business from Linfield College. She joined Global Footwear Logistics at adidas International in Portland, Oregon. She transferred to adidas America to work in the Apparel Marketing group, holding roles as Product Line Manager, Merchandise Manager, and Operations Manager. In 2002, CB and her husband returned to McMinnville. After 10 years with adidas, CB briefly "retired" from the work force to be home with their two sons. In 2006, CB joined Headwater Investments to manage the office and marketing efforts.
Virginia Teller
Ginger earned her BS in Accounting from Linfield College in 1999.  She joined the Oregon Secretary of State Audits Division in Salem, Oregon.  As a governmental auditor, she reviewed financial operations, computer systems and agency programs to ensure all operations are conducted economically, effectively, efficiently and in compliance with laws, regulations and guiding principles.  After 5 years, Ginger retired from auditing to stay home with her first son and also started a small bookkeeping business.  In 2009, Ginger joined Headwater Investments to provide analytical assistance to the office manager and investment professionals.
Amy Woodard
In 2007, Amy earned her BA in finance and religious studies from Linfield College.  She then joined Holiday Retirement, an independent senior living management company, located in Salem, Oregon.  As a financial analyst, she reviewed monthly and quarterly financials, created annual budgets, monitored monthly expenses and revenue and provided support to the executive team. Currently, Amy is in the MBA program at Willamette University and is looking forward to graduation in 2011.  Amy joined Headwater Investments as an associate portfolio manager in February 2010.
The Mission
Our mission is to provide you with honest, knowledgeable, and customized investment management services. We pride ourselves on our availability, service, and professionalism. We also understand that investing is a very private activity. Therefore, we listen carefully to your wishes and ensure the strict confidentiality of our relationship.
The Process
We start building our investment relationship through a series of personal meetings. These meetings allow us to learn more about each other, and to lay the foundation for a successful, long-term relationship. We help you understand your investments and to set goals. We then develop a written investment plan tailored to your specific needs and goals.
The Written Plan
The plan, or Investment Policy Statement (IPS), sets forth a customized blueprint for the on-going management of your assets according to your objectives.

Your IPS is important for a number of reasons. First, it provides a basis for understanding your goals and for constructing a plan for achieving those goals. Second, it creates a framework for disciplined decision making. Discipline prevents emotion-driven, ad-hoc revisions to strategy. Finally, your IPS facilitates communication and aids both client and manager in understanding issues of importance and concern.
Long-Term Relationships
At Headwater Investment Consulting, we are accessible and work hard to develop long-lasting, productive relationships. We keep you up-to-date with monthly statements and customized quarterly reports summarize client investments, transactions, asset allocation, and performance. We meet with you at least once a year to review your IPS, making sure it continues to reflect your goals. Headwater Investment Consulting keeps pace with you and your ever-changing lifestyle and objectives.