Open Water Advisory Partners
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Open Water Advisory Partners is a recently formed, two-advisor registered investment adviser that provides comprehensive financial planning and integrated wealth strategy to individuals, families, and business owners. The firm offers portfolio management on both discretionary and non-discretionary bases, along with project-based, fixed-fee, and hourly financial planning engagements and coordination with third‑party professionals.
The firm builds customized, long-term investment plans using a blend of fundamental, technical, and top‑down analysis and allocates across equities, fixed income, ETFs, alternatives, and private placements as appropriate. It may employ third‑party managers or model portfolios, conducts ongoing monitoring and rebalancing, and frames investment advice within broader tax, estate, and risk‑management planning.
Notably, the firm’s principals maintain active insurance licenses and offer insurance products through an affiliated insurance business, a relationship the brochure discloses as a potential conflict of interest because it can generate commissions. The brochure also discloses the principals’ affiliation with an external planning network for advanced coordination and documents customer arbitration and regulatory matters involving the founders, which prospective clients are directed to review in the firm’s ADV supplements.
Client services
Expertise
Fee options
Fixed-fee financial planning engagements generally offered for $2,500, negotiable
1.35% annually (standard rate, negotiable up to a maximum of 1.50%)
$350 per hour for financial planning and consulting services
Main office
See office34475 Yucaipa Blvd, Suite 208
Yucaipa CA 92399
Advisors at this office
1
Offices (2)
Most active in
California
Also doing business as
Open Water Advisory Partners · Open Water Advisory Partners LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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
Advisors at this firm
Sterling H
Series 63, Series 66
Yucaipa, CA
Open Water Advisory Partners
Sterling Hirsch is a financial advisor with Open Water Advisory Partners in Yucaipa, CA, holding Series 63 and Series 66 designations and 19 years of industry experience. He has worked at multiple firms, including Infinity Financial Services and First Allied Advisory Services. Hirsch also serves as the Advanced Planning Lead at Collective VFO, where he assists clients with professional service coordination and strategic alliances with tax professionals. Open Water Advisory Partners is a two-advisor firm providing comprehensive financial planning and integrated wealth strategies to individuals, families, and business owners. The firm utilizes a combination of fundamental, technical, and top-down analysis to build customized investment plans and offers portfolio management alongside project-based and hourly financial planning engagements.
Anna Marie L
Series 63, Series 66
La Jolla, CA
Open Water Advisory Partners
Anna Marie Lovell is a financial advisor at Open Water Advisory Partners with 18 years of industry experience. She holds the Series 63 and Series 66 licenses and has worked previously at FSC Securities Corporation and Infinity Financial Services Advisory. She also serves as Advanced Planning Lead at Collective VFO. Open Water Advisory Partners is a two-advisor registered investment adviser providing comprehensive financial planning and integrated wealth strategies to individuals, families, and business owners. The firm uses a combination of fundamental, technical, and top-down analysis to build customized, long-term investment plans across various asset classes and offers both discretionary and non-discretionary portfolio management.
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