COVID-19 Alert: Blue Water Capital Management, LLC is primarily working from home offices and using remote meetings, but can meet in-person as well.
If you have concerns about the markets, or would like to have us look over your investments, please feel free to contact us.

Specializing in retirement planning and personalized investment management.

1-Fees Test

The following table serve as a guideline to help you estimate the fees for our services.



Financial
Plan Only
Emerging
Wealth
Wealth
Management
Ongoing Investment Management No Checkmark to signify yes Checkmark to signify yes
Investment Range N/A $250K - $750K $750K+
Financial Planning (meetings / services)      
Initial Meeting Checkmark to signify yes Checkmark to signify yes Checkmark to signify yes
Onboarding / Review Goals Checkmark to signify yes Checkmark to signify yes Checkmark to signify yes
Financial Planning /
Portfolio Review
Checkmark to signify yes Checkmark to signify yes Checkmark to signify yes
Recommendations Checkmark to signify yes Checkmark to signify yes Checkmark to signify yes
Custom Portfolio Strategy Checkmark to signify yes Checkmark to signify yes Checkmark to signify yes
Implementation   Checkmark to signify yes Checkmark to signify yes
Access Your Plan Online   Checkmark to signify yes Checkmark to signify yes
Goal Progress Monitoring   Checkmark to signify yes Checkmark to signify yes
Quarterly Plan Component Reviews   Checkmark to signify yes Checkmark to signify yes
       
Planning Fee
(based on net worth)
  (20% Discount) (40% Discount)
Up to $3,000,000 $2,250 $1,800 $1,350
$3,000,000 - $6,000,000 $3,000 $2,400 $1,800
Over $6,000,000 Negotiable Negotiable Negotiable
       
Hourly Rate for Updates / Reviews $250 $200 $0
Financial Plan Update (estimated) 2 - 4 hours 1 - 3 hours Included
Portfolio Review Only (estimated) 1.5 - 4 hours Included Included
       
Investment Management (ongoing)      
Portfolio Monitoring & Rebalancing   Checkmark to signify yes Checkmark to signify yes
Portfolio & Performance Reporting   Checkmark to signify yes Checkmark to signify yes
Tax-Loss Harvesting   Checkmark to signify yes Checkmark to signify yes
Distribution Planning   Checkmark to signify yes Checkmark to signify yes
Household Financial Aggregation   Checkmark to signify yes Checkmark to signify yes
Blue Water Client Portal   Checkmark to signify yes Checkmark to signify yes
In-Person / Web-Based Reviews   Checkmark to signify yes Checkmark to signify yes
Annual Tax Return Review   Included with Plan Update Checkmark to signify yes
ID & Credit Monitoring   $30/quarter Checkmark to signify yes
       
Annual Advisory Fee
(based on portfolio amount)
     
First $1,000,000   0.80% 0.80%
Next $1,000,000   0.60% 0.60%
Next $2,000,000   0.40% 0.40%
Next $4,000,000   0.30% 0.30%
$7,000,000+   0.10% 0.10%
Flat fees are also available   Negotiable Negotiable
Minimum Quarterly Fee   $750 $1,750

Blue Water does not take custody of any of your assets. We use TD Ameritrade as our independent custodian.

Accounts not held at TD Ameritrade, like 401(k) / 403(b) plans, are also included in our Emerging Wealth and Wealth Management services. 


Other Fees

In addition to the Blue Water advisory fee (discussed above), there are two other investing fees to keep in mind:

Portfolio expenses:
There are NO upfront or deferred sales charges. However, each fund charges an expense ratio. This is how the fund companies are paid. The expense ratios of the portfolios we construct typically range from 0.12% - 0.20% depending on the stock-to-bond ratio.

Custodian expenses:
There are NO trading fees for Exchange-Traded Funds (ETFs) and stocks, but some mutual funds have transaction charges that generally range from $7 to $15 per trade.  This is how the custodian is paid.

Note - These are fees you will incur regardless of who is managing your portfolio.  We keep these fees in mind in the design of your portfolio, and try to minimize them in the execution and management going forward.