Specializing in retirement planning and personalized investment management.

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.

Read more

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.

Our investment philosophy and management procedures are considered by many to be 'best practices'. It starts with one belief - that we cannot control or predict the market. No matter what the talking heads on TV say, or the so-called "experts" predict, no one really knows the future. Educated guesses and forecasts can make for some good entertainment, but they are ill-advised investment plans.

While you can't control the market, there are certain aspects of investing that can be controlled and managed to improve your financial success. These are the fundamentals that we concentrate on. We call it our "ACTION Plan”, and we incorporate it into our two levels of investment management.