Breakwater Asset Management, LLC

Overview

Breakwater Asset Management, LLC is a small, independent registered investment adviser focused on financial planning and portfolio management for individuals and small businesses. The firm operates as an individual-owned LLC and runs a fee model that combines a percentage-of-AUM component with fixed fees. Investment activity is concentrated in publicly traded equities, and the firm expresses a clear preference for exchange-traded instruments as the primary vehicle for client portfolios. Breakwater does not identify as an active ESG investor and is not positioned as a multi-state or pension consultant adviser. Portfolio construction appears straightforward: equity-centric allocations implemented through exchange-traded equities and supplemented with mutual funds when appropriate. The firm does not act as a capital allocator or run proprietary funds; instead, it uses third-party managers for alternative exposures. Advisory services are tailored to individual and family clients and small business owners, emphasizing discretionary portfolio management alongside comprehensive financial planning.

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Location & Offices