The Time Is Now
Get the guidance you need for the life you want to live
Services for individuals
Breakwater offers its individual clients a broad range of financial planning services across many areas such as business planning, investments, insurance, retirement, education, estate planning, and tax and cash flow needs. Our planning process begins with Goal Setting:
Goal Setting – Goal Setting begins with the Personal Discovery, a one to two hour meeting in which we learn about the goals that will be central to your financial plan. We then collect all the financial data needed to analyze how much you should earn, spend and save to reach your goals.
Depending on your goals, we will then provide you with assistance in the following areas:
Retirement Planning – We will create a lifetime cash flow projection for you to analyze when and under what circumstances your retirement can be achieved and maintained.
Estate Planning – In conjunction with your estate planning attorney, we will help analyze and suggest the most appropriate estate planning techniques and tools. This analysis incorporates the income needs of dependents, philanthropic goals, business transition and trust management.
Insurance – We can advise you on the proper amount and type of insurance for your needs. This advice can cover life, disability, property, automobile, long-term care and umbrella liability insurance. Breakwater does not sell insurance, nor do we receive commissions for referrals to insurance brokers.
Philanthropic Giving – We can provide advice regarding tax-appropriate vehicles to accomplish your philanthropic objectives.
Other Planning Services – We provide advice regarding funding college accounts, real estate issues, and business transition planning.
Services for institutions
Breakwater offers mission-driven organizations comprehensive investment and financial advice informed by its employees’ nearly 20 years of experience in institutional investment advice and not-for-profit governance.
We seek to meld forward-thinking investment analysis with practical insight, guidance, and support, with all of our efforts focused on meeting the client’s unique needs first.
Our services for institutional clients include the following:
- Investment policy development
- Portfolio construction guidance
- Asset allocation advice
- Spending analysis and policy development
- We also offer custom educational presentations to our institutional clients. Topics previously presented by Breakwater employees include asset allocation, fiduciary duty, sustainable and impact investing, and others.