Professional Investment Management

Blue Water provides portfolio design and investment management solutions for a variety of clients. We use the combined principles of advanced academic research and Nobel Prize winning concepts to build and manage low-cost, extremely diversified portfolios. The philosophy and engineering behind our portfolios is very sophisticated, but they are implemented in a manner that is straight-forward and easy to understand.

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Sample allocation with 70% stocks

Number of Holdings: 18,000+
Portfolio Expense Ratio: 0.22%

This sample allocation would be the overall allocation of your portfolio (combination of all of your accounts). The allocation of individual accounts would be different in order to use the best available investments (401k / 403b accounts), maximize tax efficiency, and adjust for specific client circumstances.

Stocks 70%
US Large Blend 15%
US Large Value 15%
US Small Blend 7.5%
US Small Value 7.5%
Real Estate 7%
International Large Value 9%
International Small Blend 4%
Emerging Markets 5%
Bonds 24%
US Investment Grade 14%
High Yield 2%
Inflation Protected (TIPs) 3%
Global Bonds 4%
Cash & Equivalents 1%
Alternatives 6%
MLPs (energy infrastructure) 3%
Precious Metals 3%

An advisor's investment philosophy and management style often determines your investment experience. Be wary of advisors who cannot articulate the details of their philosophy and management process. A generic or undisciplined approach often leads to poor results.

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Professional Management Services:

Core Management 

For non-complex portfolios that fit into one of model allocations.

Custom Management

For more complex portfolios that require a custom-tailored solution.

Both Services Include:
  • Ongoing advice and meetings with an experienced CFP Professional
  • A professionally designed portfolio that is low-cost and extremely diversified
  • Portfolio implementation
  • Handling contributions and distributions
  • Daily monitoring of rebalancing needs and tax-loss harvesting opportunities
  • Performance reports and tax reports
  • A client portal to view your investment portfolio and reports
  • Account titling and beneficiary reviews
  • Periodic advisory letters and educational commentary
  • Web access to your financial plan (if a plan was developed)
  • Access to DFA funds
  • Incorporation of our ACTION Plan

Our process begins with a complimentary initial meeting.