Blue Water offers a range of flexible financial planning and investment management services. Whether you are looking for a quick check-up, an in-depth review of your whole financial situation, or a professionally managed investment portfolio, we can meet your needs.
Financial Planning Services
Accumulator Plan: This service is a general overall assessment. It reviews all six areas, including investments, but does not cover complex planning needs. It usually consists of two meetings and includes an interactive planning session and a review of our written recommendations.
This service is best suited for clients still accumulating for retirement, but do not have complex needst.
Retirement Planning and Strategies: This is an in-depth review of your Financial Goals (retirement planning, travel, etc.), Investment Portfolio, and Cash & Debt Management with an emphasis on retirement readiness. It typically consists of 2-3 meetings and includes an interactive session to assess financial and retirement goal planning and test various "what if" scenarios along with a presentation of our specific recommendations detailing what to do and when.
This service is best suited for those approaching retirement or already in retirement.
Advanced Financial Review: This review expands on Retirement Planning and Strategies by also including Tax Planning, Risk Management, and Estate Planning. We thoroughly review and provide advice on all six key areas in your financial plan. This service usually consists of three or more meetings, depending upon complexity. It includes an interactive session to assess financial and retirement goal planning and test various "what if" scenarios and concludes with a presentation of our specific recommendations detailing what to do and when.
This service is best suited for families accumulating for retirement and other goals and looking for an in-depth financial review, or those with more complex needs.
Portfolio Review: This is an hourly review of your portfolio. Based on your goals, tax situation, and risk tolerance, we recommend a portfolio based on our investment philosophy (diversified asset allocation, low-cost, tax-efficient, etc.) that you implement on your own.
Investment Management Services
Investment Management: We build and manage superior portfolios by applying our steadfast investment philosophy of keeping costs low, minimizing taxes, and using effective asset allocation. Recommended portfolios are extremely diversified, yet positioned to capture excess return over the long-term. They are personalized for your situation and usually implemented across all of your investment accounts including non-managed accounts like 401(k) and 403(b) plans. This service includes access to DFA funds, extensive account and tax monitoring, periodic meetings, and periodic rebalancing and portfolio performance reports.