A complete list of active advisors currently associated with Breakwater Financial, LLC

Warmer can help you find a great advisor at Breakwater Financial, LLC or one who fits your needs even better.

Breakwater Financial provides investment management and financial planning to individuals, families, trusts, estates, small businesses, and certain retirement plan clients, offering both discretionary and non-discretionary portfolio management and retirement‑account rollover advice. The firm also makes available third‑party strategies, including an intermediate municipal fixed‑income sleeve sub‑advised by Appleton Partners. The firm’s investment process is long‑term and fundamentals‑oriented, primarily implementing diversified model portfolios composed of ETFs and mutual funds with periodic rebalancing and tactical adjustments as market conditions warrant. Breakwater uses third‑party tools (Nitrogen) to quantify client risk tolerances and align portfolios to an explicit risk score as part of its suitability and portfolio construction work. Breakwater manages roughly $128 million across about 60 client relationships, yielding a comparatively large asset base per client for a small independent advisor and reflecting an emphasis on ongoing, personalized wealth management. The firm operates on an institutional custodian platform (including access to Fidelity’s institutional services) and discloses it receives related platform benefits and operational support, plus access to the Appleton sub‑advised municipal strategy, factors clients may consider when evaluating custodial and strategy recommendations.

To learn more about the advisors currently working at Breakwater Financial, LLC, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.