We are professional, fiduciary financial advisors who enjoy working for you, not Wall Street. For those already retired or considering retirement within 3 years. Strategies for retirement goals, income planning, portfolio withdrawals and sustainability. For those seeking the design and professional management of a custom-tailored investment portfolio.
Service can include 401(k) and other retirement plans. For an advisor, being a fiduciary means that they act in the best interest of their clients. While you may assume that every advisor or broker works as a fiduciary, that's not the case. Many won't accept, or are not allowed (by their employer) to accept a fiduciary responsibility.
Service can include 401(k) and other retirement plans. For an advisor, being a fiduciary means that they act in the best interest of their clients. While you may assume that every advisor or broker works as a fiduciary, that's not the case. Many won't accept, or are not allowed (by their employer) to accept a fiduciary responsibility.
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Bottom Line: Since we have removed commissions, etc. from the equation, we have no incentive but to offer you our best advice. We accept fiduciary responsibility by acting in the best interest of our clients, and putting those interests ahead of our own. Although you may assume all advisors do this, many brokers/advisors will not, or are not allowed, to hold themselves out as a fiduciary.
Blue Water Capital Management, LLC was founded in 2003 and built around a vision of acting in clients' best interests, constantly pursuing 'best practices', and providing exceptional service at a reasonable cost. We proudly serve San Diego and the Greater Southern California region.
Joan O'Connell is a CERTIFIED FINANCIAL PLANNER professional at Blue Water Capital Management, LLC, and provides financial planning and investment advisory services to individual and business clients.Prior to joining Blue Water Capital Management, LLC, Joan worked in several capacities for financial services and technology firms.
Joan O'Connell is a CERTIFIED FINANCIAL PLANNER professional at Blue Water Capital Management, LLC, and provides financial planning and investment advisory services to individual and business clients.Prior to joining Blue Water Capital Management, LLC, Joan worked in several capacities for financial services and technology firms.
Financial planning consists of six main areas. Changes in one area often affect other areas. It is imperative to work with a CFP(R) professional who understands how to build a coordinated financial plan. Our financial plans are about quality, not quantity. You will not be handed a 50-page spiral-bound "plan" full of boilerplate language with confusing numbers and line graphs.
Meeting 2 - interactive session to assess financial and retirement goal planning and test various "what if" scenarios, review investment portfolio, review all other financial planning areas (insurance, taxes, etc.) and present initial recommendations. Meeting 3 or email/phone - Present and review our final Recommendations Report, which provides specific written recommendations and details out what needs to be completed and when.
The trend in a lot of financial advisory firms is to fit clients into one of 5 or 6 model portfolios, either their own or outsourced to a third-party. For the advisor, it is much easier to implement and manage model portfolios. This allows them time to add more and more clients. If the advisor is outsourcing investment management, that allows for even more time as another company is handling most or all of the investment management.
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