About Nathan
Nathan Clearwater
Teaching You to Think Like an Investor — Not Follow One
I spent 12 years on Wall Street — first as an equity analyst, then as a portfolio strategist at two major asset management firms. I saw firsthand how the financial industry profits from keeping people confused. Complexity isn't a feature; it's a sales tactic. I left the industry to do something different: teach people how investing actually works, without selling them products or managing their money. Since founding Clearwater Investment Education, I've taught over 3,000 students through workshops, courses, and one-on-one coaching. My clients include first-time investors, professionals managing their own 401(k)s, and entrepreneurs who want to understand where their money goes. I hold a CFA charter and an MBA from Wharton, but what I'm most proud of is making this stuff accessible. If you've ever felt intimidated by investing, that's not your fault — and I'm here to fix it.
What We Offer
Discover the range of services designed to support your journey to wellness
Investment Foundations
Learn how stocks, bonds, ETFs, and index funds actually work — in plain language, not Wall Street jargon.
Portfolio Construction
Understand asset allocation, diversification, and rebalancing so you can evaluate any portfolio with confidence.
Market Mechanics
Learn what drives market movements, how cycles work, and why timing the market fails — backed by data.
Risk Education
Understand the different types of investment risk and how to align your exposure with your actual goals.
Behavioral Finance
Discover the psychological biases that cause costly mistakes and learn frameworks to make rational decisions.
Tax-Smart Strategies
Learn how different account types, tax-loss harvesting, and asset location strategies affect your real returns.
How It Works
From confusion to confidence — at your own pace
Knowledge Assessment
We figure out what you already know, what gaps exist, and what your learning goals are — no judgment, just a starting point.
Custom Learning Path
You get a personalized curriculum covering exactly the topics you need, at a pace that works for you.
Learn & Master
Interactive sessions with real examples, case studies, and hands-on exercises — until you graduate with the confidence to evaluate investments and make decisions independently.
What Our Clients Say
Empowering investors to understand, not just follow
"I finally understand what's in my 401(k) and why. Nathan made index fund investing feel obvious instead of intimidating. I'm investing with confidence for the first time."
Rachel Novak
Marketing Executive
"I wanted to understand options but every resource online was either too basic or trying to sell me a course. Nathan taught me the mechanics without the hype."
Grant Sullivan
Software Developer
"Nathan helped me understand my pension, my 403(b), and how to actually use them together. No one had ever explained it this clearly before."
Diana Reyes
High School Teacher
"I was paralyzed by choices — SEP IRA, Solo 401(k), taxable accounts. Nathan walked me through each one so I could choose with confidence."
Kevin Park
Small Business Owner
"I wanted to build a dividend portfolio but didn't know where to start. Now I understand yield, payout ratios, and how to evaluate dividend stocks myself."
Sophia Brennan
Registered Nurse
"We took Nathan's sessions together before our first meeting with a financial advisor. For the first time, we understood everything the advisor was saying — and could ask the right questions."
Carlos & Maria Vega
Couple, Engineering & Design
Simple, Transparent Pricing
Choose the plan that best fits your needs. No hidden fees.
Single Session
- 60-minute education session
- Topic of your choice
- Written session summary
- Recommended reading list
Learning Track
- Knowledge assessment
- Custom learning curriculum
- 3 education sessions per month
- Practice exercises & case studies
- Unlimited email Q&A
Mastery Program
- Everything in Learning Track
- Advanced topics (options, alternatives)
- Portfolio analysis walkthroughs
- Behavioral finance coaching
- Quarterly knowledge review
- Priority scheduling
From Our Blog
Index Funds Explained: Why Simple Beats Complex Every Time
The data is overwhelming — most active managers underperform a simple index fund. Here's why, and what it means for you.
Understanding Risk: What Every New Investor Gets Wrong
Risk isn't just 'losing money.' It's a spectrum with different types — and understanding them changes everything.
The Psychology of Investing: Why Your Brain Is Your Worst Enemy
Loss aversion, recency bias, herd mentality — your brain evolved for survival, not portfolio management.
The Informed Investor
Weekly lessons on how markets work, how portfolios are built, and how to think like a rational investor. Join 6,800+ learners.