Bluewater Wealth Advisors provides portfolio management for individuals and small businesses, portfolio management for institutions, and selecting other managers.
Bluewater Wealth Advisors reports 27 clients. They include 19 high-net-worth individuals and 8 individual clients. Of its assets, 100.0% ($146M across 90 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 30% | 1% |
| High-net-worth individuals | 70% | 99% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 8 | $1.8M | 1.2% | $225K |
| High-net-worth individuals | 19 | $144M | 98.8% | $7.58M |
| Total | 27 | $146M | 100% | $5.4M |
- Clients
- 8
- Regulatory AUM
- $1.8M
- AUM share
- 1.2%
- Avg. per client
- $225K
- Clients
- 19
- Regulatory AUM
- $144M
- AUM share
- 98.8%
- Avg. per client
- $7.58M
Total
- Clients
- 27
- Regulatory AUM
- $146M
- AUM share
- 100%
- Avg. per client
- $5.4M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
Bluewater Wealth Advisors charges 0.50%–1.25% a year for its Wealth Management Services. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning and Consulting
- Usually included in the wealth management fee; where charged separately, a negotiable fixed fee of $1,000 to $10,000, half due on signing the advisory agreement.
K4 Holdings, LLC owns 25% to 50% of Bluewater Wealth Advisors and is in turn owned by Adam Kirklin (75% or more). The leadership team of Bluewater Wealth Advisors includes Chief Compliance Officer Courtney Truss. It has 3 employees.
Leadership
Courtney TrussChief Compliance Officer and Managing Member
Samuel HarrisFounder & Managing Partner
Adam KirklinFounder & Managing Partner
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- Owns 25% to 50% of Bluewater Wealth Advisors, LLC
K4 Holdings, LLC
Control person · since February 2026
- Owns 75% or more of K4 Holdings, LLC
Adam Kirklin
Control person · since February 2026
- Owns 25% to 50% of Bluewater Wealth Advisors, LLC
SH2 Holdings, LLC
Control person · since February 2026
- Owns 75% or more of SH2 Holdings, LLC
Samuel Harris
Control person · since February 2026
- Owns 5% to 10% of Bluewater Wealth Advisors, LLC
Courtney Truss
Control person · since February 2024
Bluewater Wealth Advisors’ regulatory assets grew Infinity× from $0 (April 2024) to $146M (March 2026); employees were 3 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $146M | 27 | 3 | 4 |
| March 2025 | $97.1M | 20 | 3 | 4 |
| April 2024 | $0 | 0 | 3 | 4 |
Besides its headquarters, Bluewater Wealth Advisors has 3 offices (3 private residences, listed without an address), with 1 listed address in Alabama.
Alabama · 1 listed address
- 4553 Pine Tree Circle, Suite 220, Vestavia HillsHQ
Contact and registration details
- Legal name
- Bluewater Wealth Advisors, LLC
- Headquarters
- 4553 Pine Tree Circle, Suite 220, Vestavia Hills, AL 35243
- Website
- bluewaterwa.com
- Phone
- 205-305-6352
- @bluewater-wealth-advisors
- SEC file
- 801-129724
- Structure
- Delaware LLC
- Fiscal year end
- December
Bluewater Wealth Advisors uses Charles Schwab ($128M, 89%) and Tiaa-Cref ($16M, 11%) as custodians for its separately managed accounts. Bluewater Wealth Advisors does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $128M89%
- Tiaa-CrefTiaa-Cref · New York, NY · $16M11%
At year end, Bluewater Wealth Advisors’ separately managed accounts were mostly in funds (61%) and stocks (17%).
What the accounts hold
- Stocks17%
- Funds61%
- Cash17%
- Other5%
- Fixed income annuity5%
How many clients does Bluewater Wealth Advisors have?
Bluewater Wealth Advisors has 27 clients and manages $146 million for them, as of March 2026. They include 19 high-net-worth individuals and 8 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 23 March 2026
What services does Bluewater Wealth Advisors offer?
Bluewater Wealth Advisors provides portfolio management for individuals and small businesses, portfolio management for institutions, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Bluewater Wealth Advisors charge?
Bluewater Wealth Advisors charges 0.50%–1.25% a year for its Wealth Management Services. The fee is billed in advance and is negotiable.
Source: DISCLOSURE BROCHURE FOR BLUEWATER WEALTH ADVISORS, LLC, filed 23 March 2026
Which custodians does Bluewater Wealth Advisors use?
Bluewater Wealth Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $128M and Tiaa-Cref (New York, NY), with $16M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 23 March 2026
How many financial advisors does Bluewater Wealth Advisors have?
Bluewater Wealth Advisors has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Bluewater Wealth Advisors invest in?
At the end of its last fiscal year, Bluewater Wealth Advisors’ separately managed accounts held 61% registered funds (mutual funds, ETFs, BDCs), 17% exchange-traded equities, 17% cash and equivalents and 5% other. The 5% other category is described as: Fixed Income Annuity.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Bluewater Wealth Advisors?
Bluewater Wealth Advisors is owned through holding companies by Samuel Harris and Adam Kirklin. Its direct owners are Courtney Truss, K4 Holdings, LLC and SH2 Holdings, LLC, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 23 March 2026
How does Bluewater Wealth Advisors get paid?
Bluewater Wealth Advisors is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Bluewater Wealth Advisors registered with the SEC?
Yes, Bluewater Wealth Advisors has been registered with the SEC as an investment adviser since 21 March 2024. Its CRD number is 330078 and its SEC file number is 801-129724.
Source: Form ADV Part 1A, Item 1, filed 23 March 2026; IAPD firm record
How do I contact Bluewater Wealth Advisors?
Bluewater Wealth Advisors’ main office is at 4553 Pine Tree Circle, Suite 220, Vestavia Hills, AL 35243. Its phone number is 205-305-6352. Its website is bluewaterwa.com.