Thanks for all the useful info. Yes, it will definately be copper, and the sub-panel will be mounted on a post about 10 feet from the shore.
As far as, ' If I have my own pier, i am not worried about the money'.
If when I bought the house, 8 years ago, it had had a pier and boat lift, and I didn't have to remove 4 commercial dumpster of yard waste, and I hadn,t had to completely remodel, rebuild the house, then yes I would not be worried about money.
However, it was a fixer upper and I am just now getting to the pier.
Thanks again for the input, and BTW, the view is fantastic.