Blue Water Financial Investor Coaching, LLC

The firm provides advisory services to individuals, high‑net‑worth clients, and corporations or business entities, primarily by referring clients to a turnkey asset management platform (Matson Money) for portfolio implementation and by offering investor education workshops. It generally limits investment advice to mutual funds and does not take custody of client assets.

Blue Water operates on a non‑discretionary basis and reports about $65,188,000 in non‑discretionary assets as of December 2025; it does not place trades for client accounts while the recommended TAMP maintains discretionary trading authority for rebalancing. The firm’s stated methods draw on modern portfolio theory and long‑term trading, with allocation models tailored to each client’s goals, financial situation, and risk tolerance.

Noteworthy differences from many peers include a formal co‑advisory and fee‑sharing arrangement with the TAMP that collects and remits the firm’s advisory fees, and a principal who is a licensed insurance agent who may recommend insurance products (life insurance and annuities), a relationship disclosed as a potential conflict of interest. The brochure also discloses a prior regulatory settlement for transacting as an adviser without registration (2016–2018) and the provision of a recurring educational workshop titled “Dismantling Myths of Investing.”