Blue Water Wealth, Inc. is an Oregon corporation formed in 2012. The firm has been in business as an investment advisor since the year of its formation and is registered as an investment advisor with the SEC. It is 100% owned by Nancy L. Congdon and maintains offices in Portland, Oregon and Seattle, Washington. The information contained in this brochure describes our investment advisory services, practices, and fees. Please refer to the description of each investment advisory service below for information on how we tailor our services to the needs of our clients. As used throughout this firm brochure, the words “we,” “our,” “firm,” “BWW,” “Blue Water Wealth,” and “us” refer to Blue Water Wealth, Inc., and the words “you,” “your,” and “client” refer to you as either a client or prospective client of our firm. As a fiduciary, it is our duty to always act in your best interests. This is accomplished in part by knowing our clients, their unique investment objectives, and overall financial circumstances. We have established a service-oriented advisory practice with open lines of communication for many different types of clients to help meet their financial goals, while remaining sensitive to our clients’ unique risk tolerances and time horizons. Working with clients to understand their investment objectives while educating them about our process facilitates the kind of working relationship our clients value. A description of our advisory services is as follows: A. Types of Advisory Services Financial Planning: We provide a variety of financial planning services to individuals, families, and other clients regarding the management of their financial resources based upon an analysis of the client’s current financial situation, goals, and objectives. Generally, such financial planning services will involve the preparation and delivery to the client of a written financial plan or other report based on the client’s financial goals and objectives. This planning may encompass one or more of the following financial topics, and others, depending on your unique financial situation, assets and income, employment, tolerance for investment risk, time horizon for investments, investment objectives, and other factors:
• retirement planning;
• goal funding analysis;
• protection planning;
• strategic asset allocation;
• retirement income planning;
• multi-generational planning;
• charitable/planned giving;
• estate/legacy planning; and
• estate settlement services The written financial plans, reports, and summaries we provide to clients typically include general recommendations for a course of activity or specific actions to be taken by the client with respect to the covered financial topics. For example, recommendations may be made that the client begin or revise certain investment programs, create or revise wills or trusts, obtain or revise insurance coverage, commence or alter retirement savings, or establish education savings or charitable giving programs. The client is provided with a written summary of their financial situation, our observations, and financial planning recommendations. Our financial planning services are available either in the form of comprehensive and holistic financial planning or on a one-time project basis. For comprehensive financial planning engagements, we will consult with you to obtain an understanding of your unique financial circumstances, goals, and key areas of financial concern. We will then deliver an initial written financial plan, report, or summary of observations and recommendations designed to address your unique situation and needs and meet with you (in person, telephonically and/or by electronic means) at least once annually thereafter to review your financial plan, report, or summary, track progress towards your goals, and update our financial recommendations as necessary. We will also remain reasonably available throughout the course of our relationship to assist you with ad-hoc financial advice regarding common financial matters or concerns which touch upon the topics covered in your written financial plan. Comprehensive and holistic financial planning services automatically renew annually, unless terminated earlier by BWW or the client. In rare instances where we determine that you have requested ad-hoc financial advice that falls outside the scope of your financial plan (or which would otherwise entail substantial additional work for our firm), we reserve the right to charge additional fees. For one-time financial planning engagements, the client may select a discrete financial topic or topics upon which they would like to receive our financial advice. One-time engagements are of limited scope and do not include comprehensive financial planning or the provision of ongoing ad- hoc financial planning advice. Depending on the number of financial topics selected and their complexity, we will deliver our advice and recommendations in the form of a written financial plan or a shorter written report, summary, or checklist reflecting our recommendations. Once the written plan, report, summary, or checklist is delivered to you the engagement is concluded and no further update or review of our financial planning advice is provided. We will only update and review our one-time financial planning advice at your specific request, subject to your payment of an additional fee and execution of a separate written agreement for these services. Irrespective of whether you choose a comprehensive and holistic financial planning engagement or a one-time financial planning engagement, all financial plans and reports are typically completed and delivered to the client within six (6) months of the client signing a contract with us, assuming that all the information and documents we request from the client is provided to us promptly. BlueWaterWealth.com Financial planning is a non-discretionary service – you always retain the sole and absolute discretion to accept or reject any of our financial planning recommendations, in whole or in part. You will be solely responsible for the implementation of any accepted investment recommendations; for the determination of the manner, timing, and service providers to be utilized in connection with the same; and for the ongoing monitoring of your investments and accounts. At your specific request, and only upon your execution a separate written agreement for investment management services under our Coordinated Asset Management Program, we will assist you with the implementation and ongoing monitoring of certain recommended investments. Additional fees will apply. Clients are never obligated to engage BWW for these additional services and are always free to choose

their preferred service providers for investment implementation. Details regarding the nature of our Coordinated Asset Management Program are below. As part of our financial planning services, we may recommend that you engage certain third-party professionals, for example, attorneys, accountants, and insurance agents. We do not provide any legal, tax, or accounting advice. Clients may elect to engage any recommended third-party professionals at their own discretion and risk. We are not liable for the acts, errors or omissions of any recommended third-party service providers and do not receive any referral fees in connection with the recommendation of third-party service providers to clients. Coordinated Asset Management Program: We offer ongoing discretionary portfolio management services under our Coordinated Asset Management Program (“CAMP” or the “Program”). CAMP is separate and distinct from our offering of financial planning services. In this Program, we provide you with investment strategy selection, portfolio design, investment implementation, and ongoing and regular supervision of your investment account(s), all of which services are provided in a manner that is consistent with your unique investment profile. All services under the Program are provided pursuant to a written advisory agreement (a “CAMP Agreement”) that you will enter with our firm. You will be required to grant us ongoing and continuous discretionary authority to execute our investment recommendations within your account without obtaining your approval prior to each specific transaction. Stated plainly, this means that you authorize us to purchase and sell securities and instruments in your account(s), arrange for delivery and payment in connection with the foregoing, and act on your behalf in all other matters necessary or incidental to the management of your investment account, including monitoring of your assets, all without seeking your approval for each specific transaction. This authority further includes our ability to hire and fire third party money managers (“TPMMs”) to manage all or a portion of your assets, and to allocate and reallocate your assets among the selected TPMMs as we believe to be in your best interests. We will only exercise our discretionary authority over your account in strict accordance with your individual needs, stated goals, and investment objectives. We will consult with you and gather information regarding your financial goals, investment objectives, risk tolerance, and the time horizon for investments. The information we typically request during this process will include your current and expected income level, tax information, investment experience, current portfolio construction/asset allocation, and expected expenses/liquidity needs, among other items. Based on our analysis of these factors, we will develop, design, and implement an investment strategy and portfolio within your account held at an independent qualified custodian (“Custodian”). CAMP client portfolios focus on Sustainable, Responsible & Impact (“SRI”) investing and typically include a customized selection of individual stocks, bonds, mutual funds, exchange traded funds (“ETFs”), cash and cash equivalents, and/or other public and private securities or investments, as appropriate, based on the client’s unique investment profile and needs. As referenced above, where appropriate, we may also recommend that certain TPMMs be engaged for the direct management of all or a portion of your CAMP account. The TPMMs we recommend may contract with us directly to provide sub-advisory services to your account or may be accessible to us via the investment platform of your Custodian. In other instances, we may recommend that a client directly contract with a TPMM. In all cases, you will be provided with the Form ADV Part 2A (or equivalent disclosures) for any recommended TPMMs at or prior to the time of the engagement of their services for your account. You may further be required to execute a separate advisory agreement and/or trading authorization in favor of such TPMMs at the time of their engagement. Where TPMMs are engaged to manage your account, we will continue to serve as your primary advisor, and will act in a co-advisory capacity with respect to any assets managed by the TPMMs. We will remain responsible for the ongoing monitoring of your TPMM accounts and the determination of the suitability of the TPMM’s overall investment program. The TPMM shall be responsible for discretionary portfolio management and all trading decisions and functions related to the allocated assets. We will implement adjustments to your TPMM allocations and hire and fire TPMMs as we believe to be appropriate and in your best interests. Each client’s individual investment strategy is tailored to their specific needs and may include some or all of the previously mentioned securities or TPMM managed accounts. Each portfolio will be initially designed to meet a particular investment goal, which we determine to be suitable to the client’s financial circumstances. Once the appropriate investment strategy and portfolio has been determined for the client, we will regularly monitor the progress of your account and formally review it at least annually, rebalancing and/or reallocating your account as necessary, based upon your individual needs, stated goals, and investment objectives. B. Tailoring of Advisory Services; Investment Restrictions Our financial planning and CAMP services are tailored to the unique financial circumstances of each client. Each client has the opportunity to request reasonable restrictions or limitations on the types of investments to be held in their portfolio. All such requests must be submitted to BWW in writing. Restrictions of certain investments may not be possible due to the level of difficulty this would entail in managing the client’s account. Accordingly, we reserve the right to accept or reject any client requested investment restriction or limitation that we believe would frustrate our management of the client’s account. C. Participation in Wrap Fee Programs We do not sponsor, recommend, or participate in any wrap fee program(s). D. Assets under Management As of December 31, 2023, our firm provided ongoing investment management services to $317,073,465 of client assets on a discretionary basis and $0 of client assets on a non- discretionary basis. Separate and in addition to the foregoing amounts, as of December 31, 2023, we also advised on $662,270,914 of additional client assets consisting of 401(k) plan assets and other client assets on which we provide periodic financial planning and investment consulting advice.