Retirement Plan Solutions

Simple. Flexible. Independent.

Blue Water’s Retirement Plan Services are designed to deliver the highest quality of investment management and educational services to our business clients and their employees. The team at Blue Water that designs retirement plans and researches the investments is also the team that meets one-on-one with your employees. This means you get our best thinking from top to bottom in your organization.

Fiduciary

While the term fiduciary may sound intimidating and formal, it simply means an advisor that is working for your best financial interests. Their fiduciary responsibility is not to profit by furthering their own economic interests, but to strictly comply with your needs, wishes, and goals while adhering to your risk tolerances. In fact, legally, your fiduciary financial advisor cannot recommend investments that are inappropriate for you. Unfortunately, all financial advisors are not equal, and some do still engage in conflicts of interest.

So how do you choose a trustworthy fiduciary? One way is to make sure that any potential fiduciary financial advisor has the education, experience, and qualifications to design a financial strategy tailored specifically for you. At Blue Water Capital Management, we are an SEC-registered investment advisor. Our fiduciary financial advisors hold designations such as a CFP, CHFC, and CRPS. They indicate that they must not only meet the requirements to qualify and pass a rigorous exam but must also engage in several hours of continuing education each certification period to stay current on securities and ethics laws, standards, and regulations.

Your fiduciary should avoid conflicts of interest, as can happen overtly or inadvertently with commission-based fee structures. Our fee-only pricing structure means our advisors conform to a fair price model that ensures that you only pay for the services you are getting. It also ensures that your fiduciary stays independent, uninfluenced by potential incentives from investments that charge high front or back-end expenses, and avoid conflicts of interest.
 
Finally, if you want to know that your potential fiduciary financial advisor will only choose investments that serve your best interests and not just those that are suitable, ask them. Advisors that work at banks or brokerages that aren't registered investment advisory firms or RIAs may only be held to a suitability standard, meaning their recommendations must only be suitable, but not necessarily the best choice for your financial strategy. At Blue Water Capital Management, our role as your financial advisor is, first and foremost, a 100% fiduciary one.

Participant Education

While we always maintain a strict fiduciary role to choose the most appropriate advice for your financial strategy, we also understand the importance of educating our plan participants. We believe that our relationship is only strengthened by giving investors the knowledge to make informed choices. Blue Water's retirement plan consultants strive to be a trusted advisor, partnering with employees to help them reach their goals. 

Our advisors can customize our education services to fit the needs of your group. As a fee-based advisor with fiduciary responsibility, we offer one-on-one or group educational opportunities designed to be consultative in nature. Whether it is to respond to an employee's questions or concerns about their individual goals and potential options or to create a group presentation, we can incorporate the following topics and many more: 
    • Budgeting
    • Retirement readiness
    • Social Security
    • The benefits of contributing to a retirement plan

Consulting and Design

Retirement plan consulting can cover a wide range of topics. At Blue Water Capital Management, we offer solutions for companies from nonprofit 501(c)3 organizations to corporations and partnerships looking for flexible ERISA-compliant solutions as well as defined-contribution, defined-benefit plans, and nonqualified executive benefit plans.

Our goal is to overcome the traditional lack of choice and participation that have existed for years with some 401k and 403b plans by supporting plan sponsors. We serve as an educator and advisor as you try to interpret the options and regulations around retirement plans so that your employees get a program tailored for them. By leveraging our expertise, you and your plan participants can be assured that we are working for your financial interests. 

We are also your advocate as we collaborate on strategies to insulate your plan against operational challenges. Our experience and expertise with fiduciary plan governance, cost controls, plan design, and tax considerations, combined with choosing quality investments, helps to ensure a successful and effective retirement plan for your employees. From the concept through design and implementation, we are here to help you craft the ideal retirement plan for your company. And, when your employees need guidance with their retirement plan choices, we will be there for them to educate, guide, and advise them, as well.

As a fee – only adviser, Blue water acts as our client’s trusted investment fiduciary.
Our mission is to define what financial success means to our client’s and design a plan to get there. 

Schedule a meeting for your no-cost retirement plan analysis!