About Us

We run our financial advisory business differently than most. Here’s why that’s important to you:

Independent Financial Advising and Planning


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 Financial Planning and Advising


Fee-Only” means we do not accept commissions, referral fees, company kickbacks, or other incentives for the advice we provide. All 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.

Experienced CFP® Professionals

Experienced CFP® Professionals

As CERTIFIED FINANCIAL PLANNER professionals, the Blue Water team has many years of experience in retirement planning, financial analysis, investment strategy, and portfolio design and management. We use our training and experience 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.



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 us to work in your best interest.

Client Focused

Client Focused & Competitively Priced

Blue Water is not a large national company with a multi-million dollar advertising campaign. Founded in 2003, we are an established boutique firm that believes in providing attentive service.

Due to our independence and smart use of technology, we can offer our services at a lower cost than most brokerage and advisory firms.

Bottom Line: You can still find great service and a great price.