Breakwater Wealth Management
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$27,854,612
Total clients
49
12% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
49
Average account size
$568,461
About
Breakwater Wealth Management is a Delaware-registered, single-advisor investment advisory firm that serves individuals and high‑net‑worth clients with wealth management services. The firm provides financial planning, discretionary portfolio management, and retirement-account advice, implementing strategies using ETFs, mutual funds, individual equities, bonds, and options.
The firm describes a primarily long‑term, ETF‑centered approach informed by fundamental and cyclical analysis, with portfolios constructed around client goals, time horizon, and risk tolerance and rebalanced or adjusted as market conditions dictate. Breakwater Wealth also advises on ERISA/IRA distribution and rollover decisions and may use short‑term trades or options tactically to meet client objectives.
Notably, Breakwater Wealth sponsors a wrap fee program that bundles securities transaction and custodial costs into its asset‑based advisory fee (described in Appendix 1 of the brochure), a structure that is uncommon among independent solo advisors. The firm’s principal brings experience from prior roles at national broker‑dealers and maintains insurance licensing; the combination of a wrap program plus retirement‑account and insurance implementation capabilities gives the firm a service mix that differs from many peers.
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: Fees are based on assets under management using tiered rates as specified; no commissions on securities transactions.
Main office location
Breakwater Wealth Management
Millville DE, United States
Number of offices
2
Most active in
Delaware
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.
Forms ADV
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