Bluewater Asset Management

Bluewater Asset Management is a recently formed, single‑advisor investment management firm that offers discretionary portfolio management and separate financial planning services to pooled or institutional investors as well as to individuals, trusts and business entities. The firm’s brochure notes that at the time of filing it had no client accounts or assets under management.

The firm follows a tactical allocation strategy intended to reduce risk and seek improved performance, employing a mix of exchange‑listed equities, U.S. government and corporate debt, municipal securities, CDs, commercial paper, and mutual funds, and it may use cash positions as a hedge or recommend targeted stock holdings to adjust sector exposure or dividend potential. Bluewater applies fundamental, technical and cyclical analysis in portfolio construction, implements strategies on a discretionary basis, and may recommend reallocations or tax harvesting as part of active management.

Noteworthy characteristics include its recent start‑up, single‑advisor structure and the advisor’s concurrent activities as a licensed insurance agent (the brochure indicates the advisor spends about 20% of time on insurance business), which the firm discloses as a potential conflict when insurance products are recommended. The firm also states it will not vote client proxies (clients retain voting authority), offers fixed‑fee financial planning to non‑investment clients, does not charge performance‑based fees, and recommends a preferred custodian relationship that provides third‑party services and economic benefits to the firm.