Breakwater Capital

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.