Mt. Pleasant, SC Office

Blue Bear provides investment advisory and financial planning services to individuals, high‑net‑worth clients, trusts, estates, family offices, businesses and retirement plans. Services described in the brochure include discretionary portfolio management, financial planning and consulting, held‑away account reviews, retirement plan advisory, and annuity consulting through a third‑party platform.

The firm pursues customized, primarily long‑term strategies built around low‑cost mutual funds and ETFs while retaining the ability to use individual stocks, bonds and options contracts; the disclosure states the advisor may employ options and other derivative instruments in client accounts, including separately managed accounts. Blue Bear combines fundamental and technical analysis, ongoing portfolio monitoring, and the use of unaffiliated independent managers when appropriate, with clients able to impose reasonable investment restrictions.

Distinctive features noted in the brochure include a founder who holds executive, compliance and advisory responsibilities within the firm and an institutional custody relationship that provides technology and operational support. The combination of disclosed derivatives use in client accounts, routine held‑away asset reviews, and third‑party annuity and referral arrangements — along with the firm’s insurance‑licensing activity and stated fiduciary policies — are aspects the firm emphasizes and that are relatively uncommon among similar supported advisors.