BlueSail Advisors LLC

The firm provides fee-only comprehensive financial planning and investment advisory services to individuals and families through an open retainer model that includes multiple scheduled meetings during the initial year and ongoing consultations. Services span tax planning, estate plan review, retirement and education planning, asset allocation, mutual fund selection and investment implementation, and the firm does not accept commissions or participate in wrap-fee programs.

Portfolios are built around each client’s tax situation, risk tolerance, liquidity needs and long-term goals, with a preference for no-load mutual funds, exchange-traded funds, U.S. government securities and individual bonds, and an emphasis on disciplined, long-term investing rather than market timing. The firm generally operates on a non-discretionary basis—requiring client approval for each trade—and performs account reviews on a semi-annual schedule.

What is distinctive about the firm is that it manages approximately $28.9 million on a non-discretionary basis, a practice that is uncommon among independent advisors and means clients retain trade authority rather than delegating it. It is a single-advisor, fee-only practice that integrates financial planning (including small business and tax-focused planning) into its advisory relationships, does not take third‑party referral or sales compensation, and leaves proxy voting responsibilities with clients.