At Headwater Investment Consulting, our philosophy is simple. We want to get to know you in order to help you make the best decisions possible to build wealth. The best way to do so is through globally-diversified, low-cost, tax-efficient portfolios and disciplined management. When constructing and managing portfolios, we focus on asset classes, not individual stocks or bonds. Mutual funds are used to provide low-cost diversification within the asset classes. Where possible, index funds are selected as their performance, lower costs, and tax-efficiency generally surpass actively managed mutual funds.