Specializing in retirement planning and personalized investment management.

Advisory Fees

  Financial Planning

  • Financial planning fees usually range from $2,150 - $3,200 based on complexity.
    • We provide a 30% discount for those continuing with Wealth Management.
  • Hourly projects and reviews are $275/hour.  Availability of these engagements may be limited.

  Wealth Management

  • Advisory fees are paid quarterly in arrears and are based on the average daily balance of your portfolio. (Annual advisory fee/4 * portfolio average daily balance)
  • Accounts not held at TD Ameritrade, like 401(k) / 403(b) plans, are also included in our Wealth Management services.
Portfolio Value Annual Advisory Fee
First $1,000,000 0.80%
Next $2,000,000 0.60%
Next $2,000,000 0.40%
Next $5,000,000 0.25%
$10,000,000+ 0.10%
Flat fees are also available Negotiable
Minimum Quarterly Fee $975
  • Blue Water does not take custody of any of your assets. We use TD Ameritrade as our independent custodian.

  Other Fees (Non-Blue Water)

  • Attorney: Blue Water does not write legal documents. We will refer you to an estate planning attorney for trusts, wills, power of attorneys, etc.
  • CPA / Tax Preparer: Blue Water does not provide tax preparation services, but we can provide a referral.
  • Custodian Expenses: For the most part, there are no trading fees for the exchange-traded funds (ETFs), mutual funds and stocks we use. A few mutual funds have transaction charges that generally range from $7 to $15 per trade. This is how the custodian is paid.
  • Portfolio Expenses: There are no upfront or deferred sales charges. However, each fund charges an expense ratio. The expense ratios of the portfolios we construct typically range from 0.10% - 0.20% depending on the stock-to-bond ratio and customizations. This is how the fund companies are paid.
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