Breakwater Capital
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$147,467,397
Clients
137
Advisors
2
of 2 employees
About
Breakwater Capital serves individuals, high‑net‑worth clients, couples, families, small businesses and nonprofit organizations, generally accepting new investment clients above a stated account threshold with exceptions on a case‑by‑case basis. The firm provides comprehensive financial planning and discretionary investment management, overseeing roughly $156.6 million in client assets and typically allocating across mutual funds, exchange‑traded funds and option strategies.
Portfolio construction emphasizes asset‑class analysis and fundamental research, using tools such as Monte Carlo lifetime cash‑flow projections to set risk tolerances and target allocations, while seeking diversification across domestic and international markets. The firm also may apply sustainable‑investing screens or shareholder engagement and performs at least quarterly portfolio reviews for ongoing discretionary accounts.
Compared with many peers, Breakwater’s small advisory team combines both financial‑planning credentials and advanced investment designations, and the firm explicitly includes options as part of its managed strategies alongside funds and ETFs. Breakwater does not sell commission products or accept outside compensation, does not vote client proxies (sending proxy materials directly to clients), and provides dedicated rollover education plus standalone financial‑planning engagements for clients who prefer planning separate from asset management.
Client services
Expertise
Fee options
$0 - $3,000,000: 1.00% $3,000,001 - $5,000,000: 0.80% $5,000,001 - $10,000,000: 0.70% $10,000,001+: 0.60%
$100 to $250 per hour (negotiable)
Account minimum: $250,000
Main office
251 N Rose Street Suite 200
Kalamazoo MI 49007
Advisors at this office
2
Most active in
Michigan
Also doing business as
Breakwater Capital · Breakwater Capital, LLC · Integrated Financial Planning · Pollard, Ross Michael
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Lucas M
CFP®, CFA®
Kalamazoo, MI
Breakwater Capital
Lucas Mansberger is a CFP® and CFA® affiliated with Breakwater Capital, with four years of industry experience. He previously worked at Greenleaf Trust for seven years before joining Breakwater Capital in 2022. Breakwater Capital serves individuals, high-net-worth clients, families, small businesses, and nonprofit organizations, providing comprehensive financial planning and discretionary investment management. The firm emphasizes asset-class analysis and fundamental research, incorporates options strategies alongside mutual funds and ETFs, and performs regular portfolio reviews for ongoing accounts.
Ross P
CFP®, Series 63
Kalamazoo, MI
Breakwater Capital
Ross Pollard is a CFP® with 16 years of industry experience, currently serving as an advisor at Breakwater Capital since 2015. His prior experience includes roles at IDS Life Insurance Company and American Express Financial Advisors, where he has worked since 2001. Breakwater Capital provides comprehensive financial planning and discretionary investment management to individuals, high-net-worth clients, families, small businesses, and nonprofit organizations. The firm’s portfolio construction relies on asset-class analysis and fundamental research, incorporating options strategies alongside mutual funds and ETFs, and typically manages assets totaling approximately $156.6 million.
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