Blue Water Capital

Blue Water operates as a fee-only fiduciary, meaning it receives no commissions, referral fees, or kickbacks on any investment or insurance product it recommends. This is distinct from fee-based advisors, who typically blend fees and commissions. The firm states that this structure is designed to remove conflicts of interest from its retirement-planning advice.

The firm specializes in serving retirees and pre-retirees with investment portfolios of $1.25 million or more. This minimum is advertised directly on its website and serves as the primary entry gate for its financial-planning and investment-management services.

Founder Terrance A. Green, a CFP professional, and advisor Deborah L. Hobart, a CFP and CPA, are the two named professionals on the Blue Water team. The firm bills itself as a boutique operation that limits the number of new clients it accepts to maintain service levels for existing clients.

No, the firm explicitly states that it is independent and has been unaffiliated with any Wall Street firm since its founding in 2003. It operates under its own RIA structure, which it credits for its ability to set competitive pricing and control growth without outside pressure.

Yes. While based in Apex, North Carolina, the firm works with clients across the United States. It accommodates both in-person and virtual meetings, which allows it to maintain relationships with a national client base despite a single physical location.