Bluewater Wealth Management, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$33,087,490
Clients
15
60% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
15
LowAverage account size
$2,205,833
About
BlueWater Wealth Management, LLC provides tailored investment management and project-based financial planning services to individuals, high‑net‑worth clients, and employer plan sponsors, including pension and profit‑sharing plans. The firm manages approximately $33 million in client assets across a small client roster and offers both fixed‑fee planning engagements and hourly planning as described in its brochure.
The firm’s investment approach emphasizes Modern Portfolio Theory and primarily uses passive index mutual funds and ETFs to construct diversified portfolios, while incorporating fundamental analysis and individualized investment policies to set asset allocation and security selection. Account supervision includes regular reviews and adjustments based on client goals, risk tolerance, and tax considerations.
What distinguishes the firm is its combination of pension consulting and employee benefit plan services alongside individual wealth management, drawing on the firm principal’s prior experience in pension plan oversight, as noted in the brochure. The firm also conducts educational seminars and speaking engagements at no charge, and manages relatively large asset relationships per client compared with many peers in the independent adviser category.
Client services
Financial planning
Portfolio management
Pension consulting
Educational seminars or workshops
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Fee options
Project-based financial planning fixed fee from $1,600 to $4,000, negotiable
$0 - $500,000: 0.85% $500,001 - $1,000,000: 0.75% $1,000,001 - $2,000,000: 0.60% $2,000,001 - $4,000,000: 0.40% $4,000,001+: 0.30%
$220 per hour for limited hourly financial planning engagements
Fee-only: Project-based financial planning fixed fee ranging from $1,600 to $4,000; hourly financial planning fee of $220/hour
Main office location
Bluewater Wealth Management, LLC
San Diego CA, United States
Number of offices
1
Most active in
Bluewater Wealth Management, LLC has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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