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 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.

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.

Name	Location	Years of experience
Daniel Ringer	Needham, MA	19

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