# Blue Financial

> Blue Financial is an SEC-registered investment advisory firm in Charlotte, NC, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated February 26, 2026.

- CRD: 330324
- Filed as: BLUE FINANCIAL
- Legal name: Blue Wealth Inc.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Charlotte, NC
- Filing period: October 2026
- Form ADV filing dated: February 26, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/330324
- AdvisorCensus page: https://advisorcensus.com/firm/blue-financial-charlotte-nc-330324

## Quick answers

**How is Blue Financial compensated?**
On its Form ADV (Item 5.E, October 2026), Blue Financial reports these compensation arrangements: a percentage of assets under its management.

**How much does Blue Financial charge?**
Its Form ADV Part 2A brochure dated February 26, 2026 states: Asset-based fee: up to 1.35% of assets a year (the maximum the brochure states). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Blue Financial located?**
Blue Financial's principal office is in Charlotte, NC, according to its Form ADV.

**Is Blue Financial registered with the SEC or a state?**
Blue Financial is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 330324.

**How much does Blue Financial manage?**
Blue Financial reports $145,146,348 in regulatory assets under management in its Form ADV filing dated February 26, 2026 (100% discretionary).

**How have Blue Financial's assets and staff changed since 2025?**
In the Form ADV data for Blue Financial: Regulatory assets under management: $100,449,078 in the October 2025 data and $145,146,348 in the October 2026 data, up 44%. Total employees: 8 in October 2025 and 11 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Blue Financial serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (296); high net worth individuals (28).

**Which custodians does Blue Financial use?**
Blue Financial's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Fidelity Brokerage Services LLC as a custodian holding 10% or more of its separately managed account assets.

**Does Blue Financial report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/330324

**Does Blue Financial state an account minimum?**
Its Form ADV Part 2A brochure dated February 26, 2026 says: "There is no minimum account size and Clients are not required to have a certain amount of investment experience or sophistication."

**What changed in Blue Financial's recent Form ADV filings?**
In the March 2026 filing data: Employees performing advisory functions went from 7 to 6. Regulatory assets under management went from $100,449,078 to $145,146,348 (+44%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management

### Fees and minimums (Form ADV Part 2A brochure dated February 26, 2026)

- Asset-based fee: up to 1.35% of assets a year (the maximum the brochure states)

> BWI charges an annual investment advisory fee based on the total assets under management as follows: Assets Under Management Maximum Annual Fee All Assets 1.35%

- Account minimum: None

> There is no minimum account size and Clients are not required to have a certain amount of investment experience or sophistication.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Fidelity Brokerage Services LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $145,146,348
- Discretionary: $145,146,348
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 296 | $92,770,152 |
| High net worth individuals | 28 | $52,315,051 |
| Corporations or other businesses not listed above | Fewer than 5 | $61,145 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)
- Educational seminars/workshops

### Firm details
- Registered since: 2025 (1 year)
- Employees: 11 total, 6 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, GA, MS, NC, SC, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- bluefinancialinc.com
- LinkedIn @bluefinancialcharlotte

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $100,449,078 | 8 | May 12, 2025 |
| October 2026 | $145,146,348 | 11 | February 26, 2026 |

Regulatory assets under management: $100,449,078 in the October 2025 data and $145,146,348 in the October 2026 data, up 44%.
Total employees: 8 in October 2025 and 11 in October 2026.

## Changes in the filing (last 12 months)

### March 2026
- Employees performing advisory functions went from 7 to 6.
- Regulatory assets under management went from $100,449,078 to $145,146,348 (+44%).

### December 2025
- Employees performing advisory functions went from 3 to 7.
- Registered or notice-filed in MS, VA.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Blue Financial (CRD 330324): Form ADV filing data as of October 2026.