Individual Investors

Blue Water Capital Management is dedicated to clearly defining your risk profile and return expectations. Prior to any discussion of appropriate investments, the process begins with an in depth conversation with you to help us understand your risk tolerance and return needs. After an evaluation of our discussion, we will design and present to you an institutional quality portfolio that is aligned with your risk and return goals. We dedicate a significant amount of time and work on the discovery portion of the process to ensure we build a portfolio that you will be comfortable with in challenging as well as favorable market environments.

Who Are Our Clients?

We serve clients with a wide range of professions, business types and investment needs. Our clients are individuals, couples, multigenerational families, business owners and institutions. Our typical clients:
  • Value the independence and professional integrity of our business model
  • Understand the benefits of a long-term perspective and diversified investment strategy
  • Have reasonable expectations of risk and return
  • Value our expertise and dedication
  • Enjoy the relationship aspect of working with their professional advisor

Benefits of our Fee-based Investment Management Model

Blue Water Capital Management is a fee-only investment advisory firm meaning that we charge a percentage fee based on the assets that we manage. Therefore, our compensation is tied to the results we produce for you. We do not earn a commission based on the investment transactions we undertake for our clients so we have no financial incentive to sell you a product.

Fiduciary Management

Unlike brokers, as an Investment Adviser we must adhere to the Fiduciary Standard of care as defined in the Investment Adviser Act of 1940. An investment fiduciary’s responsibilities are:
  • Put the client’s best interests first
  • Act with prudence; that is, with the skill, care, diligence and good judgment of a professional
  • Do not mislead clients; provide conspicuous, full and fair disclosure of all important facts
  • Avoid conflicts of interest; and
  • Fully disclose and fairly manage, in the client’s favor, unavoidable conflicts

Accounts

Our investment platform and partnerships with various custodial providers allow us to manage a wide array of account types for our clients.
  • IRA’s - Traditional, Rollover Roth, Simple and SEP
  • 401(k)/Deferred Compensation Plans
  • Pension and Profit Sharing Plans
  • Self-Directed Participant 401(k) Accounts through Fidelity Investments where available
  • Money Purchase and Cash Balance Plans
  • Taxable Accounts – Individual , Joint, Business, Trust, Estate
  • Variable Annuities
  • 403(b)

Financial Planning

Investment management is only part of someone’s financial household. At Blue Water, our Advisors have access to sophisticated planning software that can assist you developing a comprehensive plan for retirement, education funding, insurance, and/or major life purchases.