Specializing in retirement planning and personalized investment management.

Financial Planning Fees

Financial planning fees are based on net worth because we have found that planning becomes more complex and time consuming as net worth increases. The following table serves as a guideline to help you determine your fees based on your net worth and the service you choose. Upon engagement, planning fees are payable in full, unless agreed upon otherwise.

Fee Schedule*

Net Worth

Retirement Planning

Accumulator Planning

Up to $2,500,000  $1,600 - $2,100 $1,900 - $2,400
$2,500,000 - $5,000,000 $2,100 - $2,600 $2,400 - $3,000
Over $5,000,000 Negotiable (case by case) Negotiable (case by case)

* The stated price includes a review of up to 9 investment accounts for a net worth up to $2.5M, and 12 investment accounts for a net worth over $2.5M. Additional accounts and/or services may warrant a slight increase in price due to increased time and complexity. 

Annual Updates / Projects


Updates usually range from 2.5 - 4.5 hours.

Other Fees

You may incur fees in addition to the ones paid to Blue Water. For instance, other advisors such as your CPA and/or Attorney will charge their own fees for their advice and consultation services.

Advanced Financial Review

Advanced Financial Review