Breakwater Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Breakwater Financial is an independent registered investment adviser that serves individuals, high‑net‑worth clients, families, trusts, estates, and businesses with discretionary and non‑discretionary portfolio management, financial planning, and related advisory services. As of December 31, 2025 the firm reported approximately $127.9 million in discretionary assets across about 62 client relationships and operates with a small team out of two offices.
The firm follows a primarily long‑term, fundamental‑analysis approach, constructing portfolios largely from no‑transaction‑fee mutual funds and ETFs and typically rebalancing annually while permitting tactical adjustments for market conditions or client needs. Breakwater uses firm model portfolios and a third‑party risk‑analysis tool (Nitrogen/Riskalyze) to quantify and align client risk profiles, and may include an Appleton Partners sub‑advised intermediate municipal fixed‑income sleeve for clients seeking that exposure.
Noteworthy aspects include a relatively large asset base for a solo‑advisor independent firm and an integrated financial‑planning offering that is included for portfolio clients above a stated threshold while also being available as standalone hourly or monthly engagements. The firm discloses a private investment in client‑service software (Knudge) that it uses in servicing clients and receives institutional platform support and benefits from its recommended custodian, factors that can affect service delivery and custodial arrangements.
Client services
Expertise
Fee options
One-time financial planning fee negotiable, based on expected hours at Advisor's hourly rate
$0 - /$10,000:
$400 per hour for financial planning services only
Monthly fixed fee financial planning engagements billed between $300 and $1,500 per month
Account minimum: $250,000 Minimum fee: Annual minimum advisory fee of $5,000 for combined Portfolio Management and Financial Planning Service ('Full-Service Financial Planning') Fee-only: Hourly financial planning fees at $400/hour; monthly fixed fees between $300 and $1,500 per month depending on complexity and client needs; one-time negotiable fixed fees for financial plans based on hourly rate
Main office
117 Kendrick Street, Suite 300
Needham MA 02494-2724
Advisors at this office
1
Most active in
Massachusetts · New Hampshire
Also doing business as
Breakwater Financial LLC · Breakwater Financial, LLC
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.
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