BREAKWATER FINANCIAL, LLC

Overview

Breakwater Financial, LLC is an independent, individual-owned RIA that registered with the SEC in 2024 and positions itself as a capital allocator for individuals and families. The firm provides financial planning, discretionary portfolio management for individuals and small businesses, and the selection of sub-advisers when clients need specialist managers. Fee arrangements are flexible — percentage of AUM for ongoing management plus hourly and fixed-fee options for planning or project work — which supports both relationship-driven wealth management and one-off advisory engagements. Investment behavior shows a clear tilt toward pooled public funds as the core engine of client portfolios, with a smaller allocation to third‑party alternative managers for diversification and return enhancement. Breakwater operates as a fully discretionary manager on the majority of its assets and custodial relationships are centralized, indicating streamlined operational and trading workflows.

Assets & Accounts

Public Holdings

Investments & Alternatives

Location & Offices