Aqua Capital Advisors

Aqua Capital Advisors provides fee-only wealth management and financial planning primarily to individual and family clients, including both high-net-worth and non‑HNW households. The firm offers discretionary investment management, comprehensive financial planning, and related non‑securities advice (insurance, estate and trust planning, family business and real estate guidance) under written agreements.

The firm constructs customized portfolios rather than mapping clients into model sleeves, generally favoring diversified, low‑cost ETFs and tax‑aware strategies (asset location, tax‑loss and occasional tax‑gain harvesting) while periodically rebalancing. For select high‑net‑worth clients it may include private funds, and it employs limited option strategies — including covered calls and, on rare occasions with client agreement, naked put writing — alongside behavioral coaching to align portfolios with clients’ circumstances.

Aqua discloses that a firm principal has an ownership interest in an unaffiliated private investment sponsorship business that may originate private company opportunities; the firm says such activity is conducted outside its advisory services and that any client participation would be preceded by full disclosure and consent to address potential conflicts. The combination of a small advisory team managing roughly $144 million for about 44 client relationships, bespoke portfolio construction, and selective use of private investments and options distinguishes its practice from many peers.