Blue Waters Advisory Group, LLC

Blue Waters Advisory Group provides fee-based portfolio management and financial planning primarily for individual and high‑net‑worth clients, and also works with pension/profit-sharing plans, corporations, and charitable organizations. The firm manages roughly $97 million for about 150 client relationships and typically charges percentage‑of‑assets fees for continuous investment supervisory services.

The firm documents a personalized investment policy for each client and combines fundamental and technical analysis to construct diversified portfolios using mutual funds, equities, fixed income and, occasionally, alternative or private investments. Its stated investment emphasis is on diversification across asset classes and manager styles, managing drawdown risk and consistency of returns, and tax‑aware management with typical investment time horizons of about 12–18 months.

Notably, a principal of the firm also acts as an independent insurance agent, which can result in additional compensation when clients purchase insurance or annuities and is disclosed as a potential conflict of interest and managed through firm policies and disclosures. The firm also has principal involvement in private real‑estate partnerships and participates in an independent broker‑dealer program that provides custodial and platform benefits, all of which are disclosed for client consideration and allow clients to implement recommendations through other providers.