BLUEWATER
ASSET MANAGEMENT



Clarity, Discipline, and Risk‑Aware Investing



Bluewater Asset Management, LLC is an independent Registered Investment Adviser (RIA) providing wealth and investment management. We Partner with individuals, businesses, and families seeking a holistic, client-centric approach to their financial future. Our core philosophy is plan-first. Every strategy is built on understanding your unique goals and risk tolerance, followed by diligent review. As fiduciaries, your best interests are always paramount.



What we do



Financial PlanninG





Financial planning begins every client relationship. Through a collaborative partnership, we identify strengths and weaknesses and develop tailored solutions along the way. These conversations shape an individualized financial plan that we continually refine and review to keep you on track. Our core planning pillars are: Investments, Insurance, risk management, Legal documentation, and estate considerations. We conduct periodic reviews to measure progress, adjust for life changes, and help ensure long-term success.



Insurance Planning





Every financial plan includes rigorous risk analysis and mitigation. We evaluate both current and potential future risks that could affect your ability to achieve the goals we set together. Insurance solutions are offered independently based on demonstrated need, cost‑benefit analysis, and a review of individual carriers. There is no one‑size‑fits‑all approach.



Investment Management





Our investment management approach is disciplined, transparent, and aligned with your goals. We begin by understanding your objectives, time horizon, risk tolerance, tax situation, and liquidity needs. From there, we design a diversified portfolio that balances growth and risk, emphasizing cost efficiency and long‑term compounding



Pension Consulting





Pension consulting services are available for both public and private plans. Our firm advises on FRS and private pension planning for our partners, with experience across firefighter, law enforcement, and postal government plans. Exiting service and evaluating options such as DROP participation, accrued sick and vacation payouts, health insurance considerations, and COLA calculations can be complex. We integrate these decisions into a comprehensive, long‑term financial plan to optimize outcomes and support a smooth transition.



Business Focused Services



Hiring top talent is challenging. Retaining them shouldn't be



Integration of Company SponSored Plans





When your business is in growth mode, it’s easy to overlook the benefits that help retain top talent. We have the expertise to design and implement tailored employee benefit programs such as healthcare, profit sharing, life insurance, and 401(k) plans integrated to your specific needs and budget. These plans can enhance retention, support employee well‑being, and scale with your organization.



Succession, buy out, and Partnership planning





Whether you’re selling your company for new opportunities, integrating new partners, or preparing for retirement, we provide experienced guidance to help you navigate each transition with confidence and clarity.



Risk Management





Risk management is essential for every business from insurance and workers’ compensation to liability coverage and planning for the loss of key employees. Whatever your situation, we can help you assess exposures and secure the right coverage to protect your assets and support the continued success of your business.



CFO - Cash Management





Every business has unique capital needs both short-term and long-term. Managing these assets effectively can improve your bottom line. As your outsourced CFO, we help optimize overhead, allocate capital efficiently, and maximize returns on your business investments.



Request an Introductory CalL




Tell us a bit about yourself and what you’d like to discuss.








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BLUEWATER ASSET MANAGEMENT, LLC



Info@Bluewateramg.com | Phone: 561.427.8410