Program Comparison: Total Portfolio vs. Core

Services

Total Portfolio Program

Core Program

Portfolio based on your goals and needs?

Yes

Yes

Investment Policy Statement?

Yes

Yes

All account types available?

Yes

Yes

Ability to set-up automatic monthly contributions?

Yes

Yes

Ability to set-up automatic purchases? (avoids transaction fees)

Yes

Yes

No annual custodial fees?

Yes

Yes

Monthly statements?

Yes

Yes

Year-end gain/loss tax reporting?

Yes

Yes

Web access to accounts?

Yes

Yes

Billed quarterly in arrears?

Yes

Yes

Access to DFA Funds?

Yes, all funds

Yes, but limited

Rebalancing: Stock-to-Bond Ratio?

Reviewed at least monthly

Reviewed semi-annually

Rebalancing: Domestic-to-International Ratio?

Reviewed at least monthly

Reviewed semi-annually

Rebalancing: Individual Asset Class Level?

Reviewed at least monthly

Reviewed semi-annually

Performance reports?

Semi-Annual, and as necessary (meetings, etc.)

Annual

Portfolio integrated with client's non-managed accounts? (401k, 403b, etc.)

Yes

N/A

Portfolio implementation designed to minimize taxes?

Yes, to the extent it does not compromise the overall asset allocation

Limited

Ability to hold stocks, bonds, and/or mutual funds not typically recommended by Blue Water? (due to tax or sentimental reasons)

Yes

N/A

Monitoring of realized gains?

Reviewed at least monthly

Reviewed semi-annually

Tax-loss harvesting?

Reviewed at least monthly

Reviewed semi-annually

Ability to set-up automatic monthly withdrawals?

Yes

N/A

Ongoing personal meetings?

Included, as necessary

Hourly charges apply

Phone and/or email interaction?

Included, as necessary

Limited

Advisory Fees?

See Fees page

See Fees page