{"url":"https://nivawealth.com/firms/bluewater-wealth-advisors-330078","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/330078","regulatoryAum":145781465,"crd":"330078","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7872754","suffix":"II","lastName":"HARRIS","firstName":"SAMUEL","middleName":null},{"crd":"5417829","suffix":null,"lastName":"KIRKLIN","firstName":"ADAM","middleName":"WEBSTER"},{"crd":"7874018","suffix":null,"lastName":"TRUSS","firstName":"COURTNEY","middleName":"NICOLE BASCOM"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2024-04-16","regulatoryAum":0,"clients":0,"employees":3,"offices":4},{"filedOn":"2025-03-12","regulatoryAum":97110879,"clients":20,"employees":3,"offices":4},{"filedOn":"2026-03-23","regulatoryAum":145781465,"clients":27,"employees":3,"offices":4}],"secFileNumber":"801-129724","legalName":"Bluewater Wealth Advisors, LLC","displayName":"Bluewater Wealth Advisors","slug":"bluewater-wealth-advisors-330078","website":"https://bluewaterwa.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/330078/923d5c70f33db604-r1.webp","tone":"light","width":986,"height":200,"sourceUrl":"https://www.bluewaterwa.com/","sourceLabel":"Bluewater Wealth Advisors, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/bluewater-wealth-advisors","founded":null,"organization":"Delaware limited liability company","fiscalYearEnd":"December","headquarters":{"street":"4553 Pine Tree Circle, Suite 220","city":"Vestavia Hills","state":"AL","stateName":"Alabama","country":"United States","postalCode":"35243"},"tradeNames":[],"registration":{"secApproved":"21 March 2024","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":5399313.518518519,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":145781465,"discretionary":145781465,"discretionaryAccounts":90,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":8,"regulatoryAum":1797889},{"label":"High-net-worth individuals","clients":19,"regulatoryAum":143983576}],"feePrograms":[{"role":"main","program":"Wealth Management Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023937","versionId":1023937,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-23","documentName":"DISCLOSURE BROCHURE FOR BLUEWATER WEALTH ADVISORS, LLC","fee_rate_low":0.5,"fee_rate_high":1.25,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning and Consulting","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023937","versionId":1023937,"submittedOn":"2026-03-23","documentName":"DISCLOSURE BROCHURE FOR BLUEWATER WEALTH ADVISORS, LLC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T17:41:43.57883+00:00","documents":[{"name":"DISCLOSURE BROCHURE FOR BLUEWATER WEALTH ADVISORS, LLC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023937","versionId":1023937,"submittedOn":"2026-03-23"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":127751735},{"name":"Tiaa-Cref","shortName":"Tiaa-Cref","location":"New York, NY","smaAssets":16033329}],"custodyNote":"Bluewater Wealth Advisors does not have custody of client assets.","leadership":[{"name":"Courtney Truss","title":"Chief Compliance Officer and Managing Member","crd":"7874018"},{"name":"Samuel Harris","title":"Founder & Managing Partner","crd":"7872754"},{"name":"Adam Kirklin","title":"Founder & Managing Partner","crd":"5417829"}],"ownership":[{"label":"Courtney Truss","detail":"Chief compliance officer and managing member in the 5% to 10% ownership band and a control person, since February 2024."},{"label":"K4 Holdings, LLC","detail":"Owner in the 25% to 50% ownership band and a control person, since February 2026."},{"label":"SH2 Holdings, LLC","detail":"Owner in the 25% to 50% ownership band and a control person, since February 2026."},{"label":"Samuel Harris","detail":"Indirect owner: a managing member of SH2 Holdings, LLC in the 75% or more band and a control person, since February 2026.","parent":"SH2 Holdings, LLC"},{"label":"Adam Kirklin","detail":"Indirect owner: a managing member of K4 Holdings, LLC in the 75% or more band and a control person, since February 2026.","parent":"K4 Holdings, LLC"}],"filedOffices":{"otherThanPrincipal":3,"privateResidences":3},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Alabama","offices":1,"addresses":[{"street":"4553 Pine Tree Circle, Suite 220","city":"Vestavia Hills","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"205-305-6352","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Selection of other advisers (including private fund managers)"],"financialPlanningClients":null,"assetMix":[{"label":"Exchange-traded equity securities","percent":17},{"label":"Securities issued by registered investment companies or business development companies","percent":61},{"label":"Cash and cash equivalents","percent":17},{"label":"Other","percent":5,"detail":"Fixed Income Annuity"}],"privateFunds":0},"sources":{"adv1FilingDate":"23 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/330078/PDF/330078.pdf","brochureDate":"23 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023937","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Bluewater Wealth Advisors have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Bluewater Wealth Advisors offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Bluewater Wealth Advisors charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Bluewater Wealth Advisors use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Bluewater Wealth Advisors have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Bluewater Wealth Advisors invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Bluewater Wealth Advisors?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Bluewater Wealth Advisors get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Bluewater Wealth Advisors registered with the SEC?","answer":"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","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Bluewater Wealth Advisors?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 23 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}