Breakwater Wealth Management
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Breakwater Wealth serves individual and high-net-worth clients by providing wealth management that combines financial planning with both discretionary and non-discretionary portfolio management. The firm also provides fiduciary investment advice for retirement accounts and may refer clients to other professionals as needed.
The firm’s investment process emphasizes customized asset allocation implemented primarily through exchange-traded funds, with mutual funds, individual stocks and bonds used when appropriate; research relies on fundamental and cyclical analysis. Breakwater Wealth monitors accounts on a regular basis, typically favors long-term holdings but will rebalance or execute shorter-term trades for tax, risk-management, or cash‑flow reasons.
Distinctive features include that the firm sponsors its own wrap fee program, bundling securities transaction and custody costs into a single asset-based fee and acting as the program’s portfolio manager, a structure that is uncommon among independent solo advisors. The practice manages nearly $40 million for a relatively small client base with a sizable split between discretionary and non-discretionary assets, and its principal holds both CFA and CFP credentials.
Client services
Expertise
Fee options
$0 - $500,000: 1.45% $500,001 - $1,000,000: 1.00% $1,000,001+: Negotiable
Account minimum: $250,000 Fee-only: Annual fees based on AUM tier schedule as described above
Main office
Millville DE
Advisors at this office
1
Most active in
Delaware
Also doing business as
Breakwater Wealth Management · Breakwater Wealth Management, LLC
Disclosures
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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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