About Us

Blue Water Capital Management, LLC is different than most advisory firms. Here’s why that’s beneficial to you:

Independent

Independent

We work as an independent registered investment advisor. We are not an advisor of, or owned by, a brokerage firm or insurance company. We are completely independent from any outside influence.

Bottom Line: We are not driven by sales quotas. We work for you. Our independence allows us to provide unbiased advice.


Fee-Only

Fee-Only

“Fee-Only” means we do not accept commissions, referral fees, company kickbacks, or other incentives for the advice we provide. 100% of our compensation comes from our clients in a direct and fully-disclosed manner.

Clearly this is different than a commissioned-based salesperson. Maybe not so obvious is when someone is “fee-based” though. Fee-based typically means they charge fees AND collect commissions. Remember, Fee-Based is not Fee-Only.

Bottom Line: Since we have removed commissions, etc. from the equation, we have no incentive but to offer you our best advice.


Fiduciary

Fiduciary

We accept fiduciary responsibility by acting in the best interest of our clients, and putting those interests ahead of our own. Although you may assume all advisors do this, many brokers/advisors will not, or are not allowed, to hold themselves out as a fiduciary.

Bottom Line: You can trust we will work in your best interest.


CFP® Professionals

CFP® Professionals

As CERTIFIED FINANCIAL PLANNER professionals, the Blue Water team has many years of training and experience in retirement planning, financial analysis, investment strategy, and portfolio design and management. We use our expertise to integrate our knowledge of retirement planning, investments, taxes, insurance, debt, and estate planning into personal advice that’s focused on your goals.

Bottom Line: You will receive experienced, professional advice.


Experienced

Experienced

We have over 20 years of experience as financial advisors. We've worked at brokerage companies and fee-based advisory firms, but ultimately transitioned to Fee-Only as we felt that was a better approach. Blue Water Capital Management, LLC been fee-only for over 16 years.


Client Focused

Client Focused

It is easy for advisors to say they are "client focused". We back our claim up though. Besides being Fee-Only, embracing fiduciary responsibility, and generally less expensive, there are two other ways we are client focused.

  1. We do not outsource financial planning or investment management. Your advisor will work with you A-Z.
  2. Our top priority is our ongoing clients. We limit the overall number of clients we work with and only take on new clients when we have capacity. We think that just makes sense.

Bottom Line: We provide higher standards and lower costs.