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
Retirement Planning and Strategies: This is an in-depth review of your Financial Goals (retirement planning, education funding, etc.), Investment Portfolio, and Cash & Debt Management. It typically consists of three meetings: 1) a discussion of your concerns and financial goals, 2) an interactive planning session covering all three areas, and 3) a presentation of our specific written recommendations detailing what to do and when. Follow-up is also included.
This service is best suited for those approaching retirement or in retirement.
Comprehensive 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 these six key areas in your financial plan. This service usually consists of three or more meetings, depending upon complexity. It concludes with a presentation of our specific written recommendations explaining what to do and when. Follow-up is also included.
This service is best suited for families accumulating for retirement and other goals, those with more complex needs, or people looking for an overall financial review.
Express Check-Up: This service looks at all six areas, including investments, but in a much more general sense. Suggested actions are recommended based on a completed questionnaire and a review of a few documents. We have one meeting to review these suggested actions.
This service is best suited for clients just starting out or for those on a tight budget.
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.