Clear Conversations

In this episode of Clear Conversations’ Entrepreneurial Legacy Series, host John Sleeting sits down with Tim Lynn—entrepreneur, philanthropist, and founder of NIR Roof Care Inc.—to explore his extraordinary journey. As NIR celebrates its 45th anniversary, Lynn reflects on his path from high school dropout to building a thriving business. He offers deep insights into the principles that have shaped his life, emphasizing faith, personal growth, family commitment, and a purpose-driven career—all anchored in his unwavering belief in God. A true testament to leadership and resilience, Tim’s story is an inspiring blueprint for achieving both personal fulfillment and professional success. Lynn shares powerful insights into the innovative mindset that led to the creation of NIR, offering compelling stories such as his bold bid for the Sears Headquarters project and his adept navigation of financial challenges with Drovers Bank. Additionally, Lynn delves into his philosophy of intentional giving and deep-rooted nonprofit involvement, exemplifying his commitment to a life of abundance and purpose. Packed with wisdom on harmonizing business success with faith-driven living, this episode will inspire listeners to pursue their goals with both strategy and heart. This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting is an employee of Clearwater Capital Partners. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

The conversation explores the firm’s core values—where character and competency are essential traits—along with its three primary business areas: Family Office, Private Wealth, and Institutional Advisory Services. Chapman and Sleeting also discuss Clearwater Capital’s organic growth strategy, fiduciary alignment, and the future role of mergers and acquisitions in shaping the firm’s path forward.

To learn more about Clearwater Capital Partners and their growth vision, join the conversation on YouTube, Apple Podcasts, or Spotify.

This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting and John Chapman are employees of Clearwater Capital Partners. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

Together, John and Katie explore the entrepreneurial spirit behind extraordinary families, drawing connections between themes of leadership, integrity, and legacy building within family businesses. This episode highlights moments of vulnerability and inspiration from past guests, offering listeners a thoughtful lens to navigate their own aspirations in the year ahead.

Tune in to celebrate the lessons of the past and gain inspiration for the opportunities of 2025.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting and Katie Berganske-Frank are employees of Clearwater Capital Partners. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

Drawing from personal experiences, including navigating family responsibilities after her father’s early passing, Valerie brings a deeply personal perspective to advising families on legacy and purposeful giving.

Throughout the conversation, Valerie highlights the importance of approaching legacy holistically—integrating financial, spiritual, and familial wealth to create a meaningful and enduring impact. Her passion for continuous learning and academic rigor equips her to navigate complex wealth scenarios with confidence and insight. Valerie also sheds light on the unique challenges women face in wealth management, sharing lessons from her collaborative projects with her mother, including their writing and radio programs. Tune in for an inspiring discussion on building confidence, fostering meaningful legacies, and helping families align their wealth with their values.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting and Valerie Hogan are employees of Clearwater Capital Partners. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

As she reflects on pivotal moments that ignited her drive, Melissa offers listeners a blend of personal insights and practical strategies for integrating core beliefs into an entrepreneurial framework.

Together, John and Melissa delve into the power of having a clear purpose behind every goal and the importance of nurturing a positive, inclusive culture—both at work and at home. They also discuss the unique role of women in today’s entrepreneurial world, emphasizing the value of authenticity and connection in leadership. Tune in for a conversation designed for anyone aspiring to create a sustainable legacy in business by merging personal values with professional ambition.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

He reflects on his decision to join the family business, and the lessons learned in building a culture rooted in accountability, integrity, and openness. Tune in to discover Jae’s key ingredients behind thriving family-business relationships, effective risk-taking, and fostering trust among stakeholders.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting is an employee of Clearwater Capital Partners. Jae Haas is a client of Clearwater Capital Partners. No compensation was provided to Mr. Haas in exchange for his participation or comments. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

With a finance degree from the University of Illinois and an MBA from Northwestern University, David’s deep business insights are matched by a strong personal commitment to creating meaningful impact.

The conversation delves into David’s experiences navigating the complexities of working for a family-owned business, where he successfully balanced business growth and his own personal values. They discuss the importance of alignment between family and non-family executives, the need for mutual respect, and the process of building trust. David also offers reflections on what true legacy means beyond wealth, emphasizing the importance of making a difference through one’s actions and living out one’s faith authentically.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting is an employee of Clearwater Capital Partners. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

Mr. Saporta is not a client of Clearwater Capital Partners. No compensation was provided to Mr. Saporta in exchange for his participation or comments. Mr. Saporta has no other material conflict of interest relating to his relationship with Clearwater Capital Partners.

Tune in to hear from our event sponsors, who share their purpose and enthusiasm for participating in this remarkable gathering. Discover the stories of local non-profits and learn how the event enriches the communities they serve. Engage with various leaders from the Clearwater Capital Foundation, Clearwater Capital Partners, and valued Hyper Sponsors to the event as they discuss their commitment to community support and the profound joys of generosity.

Celebrate with us the collaboration and dedication that drive the Charity Super Car Show, turning it into an event that fosters unity, gives back to the community, and inspires acts of kindness.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting, John Chapman, Katie Berganske, James Chapman, Melissa Dailey-Newman, Valerie Hogan, and Greg Davis are employees of Clearwater Capital Partners.

Darrel Saldanha and Fellowship Housing are clients of Clearwater Capital Partners. Kyle Sulkar, Bob Berk, Kris Salyards, Cesar Marin, Chris Biggs, Heather Corins, and Samantha Elston are not clients of Clearwater Capital Partners. No compensation was provided to these individuals in exchange for their participation or comments.

All opinions expressed by participants are solely their own and do not reflect the opinion of Clearwater Capital Partners. Investment advice offered through Clearwater Capital Partners, a Registered Investment Advisor.

Tom reflects on how family values and education shaped his path and discusses his commitment to creating a lasting legacy. He explains the core philosophy of the Family Wealth Alliance, “We Place Families First,” and emphasizes the importance of human connections over financial metrics. Drawing inspiration from Jay Hughes’s book Family Wealth, Tom describes how staying true to core values has guided the Alliance’s mission and growth.

The conversation also explores the increasing complexities of serving wealthy families and the growing trend towards collaboration and education within the advisory community. Throughout their dialogue, Tom and John highlight the importance of trust, humility in leadership, and strategic planning for sustainable growth and succession.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting is an employee of Clearwater Capital Partners. Mr. Livergood is not a client of Clearwater Capital Partners. No compensation was provided to Mr. Livergood in exchange for his participation or comments.

Mr. Livergood is a representative of Family Wealth Alliance (FWA), a Charles Schwab company, where Clearwater Capital Partners is a member (FWA). Clearwater Capital uses Charles Schwab as a custodian for client’s managed accounts.

All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners. Investment Advice offered through Clearwater Capital Partners, a Registered Investment Advisor.

She emphasizes the importance of drawing from the strengths of the previous generations while thinking like a first-generation entrepreneur to forge her own path. Discover what being an entrepreneur means to Lizzy as she discusses the value of personal growth through education and the importance of building social capital to leverage expertise for success.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting is an employee of Clearwater Capital Partners. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

Ms. Lopez is a client of Clearwater Capital Partners. No compensation was provided to Ms. Lopez in exchange for her participation or comments. Beyond her advisory relationship, Ms. Lopez has no other material conflict of interest relating to her relationship with Clearwater Capital Partners.

Investment Advice offered through Clearwater Capital Partners, a Registered Investment Advisor.

Dr. Naseeruddin shares his journey from humble immigrant beginnings to building successful businesses such as Skybalance Medspa, Skypoint Vein and Trilabhealth, LLC. His story showcases the determination, creativity, and leadership that drive his entrepreneurial success and inspire others to pursue their own ambitious goals. James Chapman, a seasoned wealth advisor to entrepreneurs with high-value collectibles, provides insights into how passion-driven assets can be balanced with sound financial strategy.

The discussion explores the emotional and financial dimensions of collecting, delving into how these “passion assets” can become vehicles for legacy-building, strategic risk-taking, and even philanthropy. Chapman shares his knowledge on the transition from accumulating wealth to using it for greater good, while Dr. Naseeruddin reflects on his own experiences with philanthropy and giving back to the community.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting and James Chapman are employees of Clearwater Capital Partners. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

Dr. Naseeruddin is not a client of Clearwater Capital Partners. No compensation was provided to Dr. Naseeruddin in exchange for his participation or comments. Dr. Naseeruddin has no other material conflict of interest relating to his relationship with Clearwater Capital Partners.

Investment Advice offered through Clearwater Capital Partners, a Registered Investment Advisor.

Delving into his unique leadership style of empowerment and support for others, Jeff unfolds the narrative of his sign business’s growth.

The conversation takes a deeply reflective turn as Jeff opens up about a life-altering experience surviving a plane crash, providing a look into how this event has influenced his perspectives on life and stewardship. Filled with thoughtfulness, this dialogue underscores the transformative power of love, forgiveness, and the profound impact our actions can have on others. Join John Sleeting as he embarks on this compelling journey, offering a glimpse into the extraordinary life and visionary mindset of Jeff Miller, a beacon of entrepreneurial inspiration.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

He shares the core principles of purpose, integrity, and the invaluable “currency of legacy” that has consistently steered his entrepreneurial path. With roots in a family where both blue collar and white-collar entrepreneurship were daily experiences, Garrett paints a vivid picture of the challenges and triumphs shaping his personal growth and strategic decisions in business. Join us for an engaging dialogue delving into pivotal moments in Garrett’s life, offering reflections on the transformative power of purpose and the strategic choices paving the way for a lasting legacy.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting is an employee of Clearwater Capital Partners. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

Mr. Sweigert is not a client of Clearwater Capital Partners. No compensation was provided to Mr. Sweigert in exchange for his participation or comments. Mr. Sweigert has no other material conflict of interest relating to his relationship with Clearwater Capital Partners.

Investment Advice offered through Clearwater Capital Partners, a Registered Investment Advisor.

Jeff DeHaan, a Partner, and Senior Wealth Advisor at Clearwater Capital Partners is dedicated to serving successful business owners and professionals with a strong commitment to community service. Kevin Nolte, Manager of Advanced Planning at Clearwater Capital Advisors, plays an important role in designing effective wealth strategies for the firm’s clientele, particularly those with the most complex needs, to match their life and legacy goals.

Discussing the experiences and legacy-building endeavors of entrepreneurial families, John, Jeff, and Kevin share insights in effective wealth management and ensuring a meaningful legacy. From intentional legacy building to tax-efficient wealth transfer techniques, this conversation helps you begin the process of planning for what you want the future to look like. Uncover the complexities of estate planning, the significance of philanthropy, and challenges in generational wealth transfer. Join us for a conversation delving into the enduring art of creating a meaningful legacy.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting, Jeffrey DeHaan and Kevin Nolte are employees of Clearwater Capital Partners. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

Investment Advice offered through Clearwater Capital Partners, a Registered Investment Advisor.

Explore entrepreneurial challenges and the importance for tailored strategies. Dave addresses emerging risks like cyber liability, advocating for legislation and the value of customized coverage. Dive into the current insurance market, discussing challenges related to inflation and reinsurance. In this conversation Dave Meyer navigates the intricate world of insurance and its role in shaping entrepreneurial legacies.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting is an employee of Clearwater Capital Partners. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

Mr. Meyer is not a client of Clearwater Capital Partners. No compensation was provided to Mr. Meyer in exchange for his participation or comments. Mr. Meyer has no other material conflict of interest relating to his relationship with Clearwater Capital Partners.

Investment Advice offered through Clearwater Capital Partners, a Registered Investment Advisor.

Discover the importance of integrating faith and work, as John emphasizes how living an integrated life can bring joy and fulfillment. Dive into a discussion about the pitfalls of making money an idol and the pursuit of “enough.” John highlights the significance of cultivating intimate relationships and accountability to protect one’s reputation and legacy. Gain valuable insights into John’s vision for the future of Gospel Patrons, including fostering partnerships, creating resources, and expanding globally.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting is an employee of Clearwater Capital Partners. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

Mr. Rinehart is not a client of Clearwater Capital Partners. No compensation was provided to Mr. Rinehart in exchange for his participation or comments. Mr. Rinehart curated John Sleeting’s contribution entry from GospelPatrons.org for his published work “31 Gospel Patrons “and the book is discussed in this podcast. John Sleeting was not compensated for his contribution to GospelPatrons.org and Mr. Rinehart has no other material conflict of interest relating to his relationship with Clearwater Capital Partners.

Investment Advice offered through Clearwater Capital Partners, a Registered Investment Advisor.

Tricia reveals insights to her success and unveils the transformative power of narrative theory in shaping entrepreneurial legacies.  She emphasizes the importance of understanding the “why” behind an organization’s story, encouraging a shift from the conventional hero-centric narrative to an empathetic guide-centric approach.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting is an employee of Clearwater Capital Partners. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

Mrs. Osolin is not a client of Clearwater Capital Partners.  No compensation was provided to Mrs. Osolin in exchange for her participation or comments. Mrs. Osolin has no other material conflict of interest relating to her relationship with Clearwater Capital Partners.

Investment Advice offered through Clearwater Capital Partners, a Registered Investment Advisor.

They discuss finding joy in daily work, gratitude, and the value of helping others. Don’t miss this inspiring conversation about entrepreneurship, personal growth, and the impact of giving back.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting is an employee of Clearwater Capital Partners. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

Mr. and Mrs. Binning are clients of Clearwater Capital Partners. No compensation was provided to Mr. and Mrs. Binning in exchange for their participation or comments. Beyond their advisory relationship, Mr. and Mrs. Binning have no other material conflict of interest relating to their relationship with Clearwater Capital Partners.

Join Heather and host John Sleeting as they talk through the various stages of philanthropy, the value of being strategic and intentional in giving, aligning giving with values, and engaging the next generation in the process.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting is an employee of Clearwater Capital Partners. John Sleeting and Heather Larson are members of the board of directors of Clearwater Capital Partners. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

Mrs. Larson is not a client of Clearwater Capital Partners. No compensation was provided to Mrs. Larson in exchange for her participation or comments. However, Mrs. Larson does receive separate compensation for her service as a member of the Board of Directors of Clearwater Capital Partners, LLC. This compensation and her role on the Board of Directors are the only conflicts of interest relating to her relationship with Clearwater Capital Partners.

Investment advice is offered through Clearwater Capital Partners, a Registered Investment Advisor.

From the early stages of startups to navigating growth and exit strategies, he addresses investment paths for lasting success. In this episode, Tyler Beachler and host John Sleeting explore the intricacies of investing for Ultra High Net Worth families with highlights on liquidity, diversification, asset placement, due diligence, and the ever-evolving landscape of alternative investments. Catch Tyler’s favorite resources and enjoy this comprehensive discussion on crafting enduring entrepreneurial legacies through strategic financial decision-making.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting and Tyler Beachler are employees of Clearwater Capital Partners. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

Investing involves risk, including potential loss of principal. Private market investing involves unique risks that should be considered before participating. Please consult with a financial professional before investing.

Investment Advice offered through Clearwater Capital Partners, a Registered Investment Advisor.

Tune in to explore Jim’s voyage, where he discusses business lows as an owner, the importance of authenticity, insights into aligning with private equity, and the vital importance of prioritizing conversations and strategies for responsible stewardship of financial resources to best serve his family.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting is an employee of Clearwater Capital Partners. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

Mr. Kandilas is a client of Clearwater Capital Partners. No compensation was provided to Mr. Kandilas in exchange for his participation or comments. Beyond their advisory relationship, Mr. Kandilas has no other material conflict of interest relating to his relationship with Clearwater Capital Partners.

Investment Advice offered through Clearwater Capital Partners, a Registered Investment Advisor.

Their candid account reflects the true spirit of serial entrepreneurship, showcasing how they redefine failure with unwavering tenacity. They also discuss their experience starting a foundation with a specific legacy that is still unfolding today. Their story illuminates the power of unity, determination, and adaptability, serving as an encouraging success story for aspiring entrepreneurs.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting is an employee of Clearwater Capital Partners. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

Mr. and Mrs. Pitzaferro are clients of Clearwater Capital Partners. No compensation was provided to Mr. and Mrs. Pitzaferro in exchange for their participation or comments. John Sleeting sits on the Board of Directors for My Well and First Fruits Family Foundation, two 501 (c)3 organizations founded by Mr. and Mrs. Pitzaferro. Beyond this, Mr. and Mrs. Pitzaferro have no other material conflict of interest relating to their relationship with Clearwater Capital Partners.

Investment Advice is offered through Clearwater Capital Partners, a Registered Investment Advisor.

Joe shares his perspective on philanthropy, the importance of being intentional about what you teach your children, and the value of cultivating legacy through the lens of cherished memories that will resonate for generations. In addition, Joe draws upon his personal experience with donor-advised funds and the value this tool provides him and his family.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting is an employee of Clearwater Capital Partners. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

Mr. Pringle is not a client of Clearwater Capital Partners. No compensation was provided to Mr. Pringle in exchange for his participation or comments. Mr. Pringle has no other material conflict of interest relating to his relationship with Clearwater Capital Partners.

Investment Advice offered through Clearwater Capital Partners, a Registered Investment Advisor.

Terrance discusses the experience of growing up in an underprivileged neighborhood to founding the highly successful InZone Project in New Zealand to help other children and families break the generational cycles of poverty. Discover how Terrence’s experiences shaped his perspective on social entrepreneurship and the power of education. He also sheds light on his for-profit venture, Scan One, which provides biometric tracking and access control solutions. Throughout the podcast, Terrence emphasizes the value of diversity, culture, networking, and his heartfelt desire to make a difference.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. John Sleeting is an employee of Clearwater Capital Partners. All opinions expressed by participants are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners.

Mr. Wallace is a client of Clearwater Capital Partners. No compensation was provided to Mr. Wallace in exchange for his participation or comments. Beyond their advisory relationship, Mr. Wallace has no other material conflict of interest relating to his relationship with Clearwater Capital Partners.

Investment Advice offered through Clearwater Capital Partners, a Registered Investment Advisor.

Kenny shares his thought process on establishing effective boards, the strength of unity within the pack, the foundation of his and his family’s giving, his personal mission statement to encourage healing, purpose, and legacy; and so much more.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions and is not intended to provide legal or tax advice. All opinions expressed by Mr. Cox and Mr. Sleeting are their own opinion and do not reflect the opinion of Clearwater Capital Partners.

Mr. Cox is a client of Clearwater Capital Partners. No compensation was provided to Mr. Cox in exchange for his participation or comments. In addition to their advisory relationship, Mr. Sleeting also provides services for Mr. Cox as the Chair of the Board of Directors of Mr. Cox’s business.

Investment Advice offered through Clearwater Capital Partners a Registered Investment Advisor.

Disclosure:
This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions, and is not intended to provide legal or tax advice. John Sleeting and John Chapman are employees of Clearwater Capital Partners. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Clearwater Capital Partners. Investment Advice offered through Clearwater Capital Partners, a Registered Investment Advisor.