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Schedule a FREE Consultation so we can get to know each other. During our meeting we will discuss your finances at length to determine if Breakwater Capital is right for you.
Based on our initial meeting, we will work together to formulate a plan based on your unique goals, needs,
Discuss the components of your plan and determine who will handle the actionable items and guide you each step of the way.
Increase your clarity and reduce financial worries. We guarantee that by the end of this experience you will not be left without gaining something of great value.
Financial Planning is an ongoing process, not a one time event. The numerous issues that surround us - tax, risk, investments, health, legislation, family - are ever changing. We will meet on a regular basis to stay ahead of the game and make sure the plan stays on target. Also, with our client portal and organizational binder you will be able to manage your financial life much more effectively in one easy, accessible destination.
OUR PROCESS
We help investors determine their objectives and providing customized solutions to help them towards achieving their goals. We discover what someone is trying to accomplish financially, show them what we believe to be the most efficient route, then assist them toward attempting to make those aspirations a reality. It is very important to us that our clients are highly involved in this process and their education is a priority.
At the end of this process, we promise that you will have a clearer picture of your financial life. We provide a visual of your current financial plan by utilizing powerful financial planning software. This include, but is not limited to, estate and income projections, various risks and any gaps in planning.
We will explore what specific knowledge will be needed for you to succeed by first thoroughly understanding your situation, then providing the necessary resources to facilitate your decisions and explaining the options and risks associated with each choice.
We bring insight from the outside to help you avoid emotionally driven decisions in important money matters by being available to consult with you at key life stages. We do the research necessary to ensure you have all the information to make an informed decision in the best interest for you and your family.
Due to our independence, licensing and expertise, we can grant you access to powerful investments and concepts that most advisors cannot or do not offer. The time and knowledge it takes to stay abreast of the complex financial world that we live in is a full time commitment and unrealistic for an individual to perform. Let us take care of these tasks for you and inform you on the things that make sense for you.
We will help make better sense of your financial life by assisting you in getting your financial house in order. We do this at both the macro level (investments, insurance, estate, taxes, etc.) and the micro level (household cash flow, expenses, etc.).
We will help you follow through on financial commitments by working with you to prioritize your goals, show you the steps you need to take and regularly reviewing your progress towards achieving them.
As a potential client of Breakwater Capital, you will receive the following free of charge:
Exceeding the expectations of all our clients is our primary goal. Therefore, we provide the following services to all clients::
CLIENT PORTAL
Your Personal Financial Management website makes it easy to manage both your wealth and your well-being.
Connect all your accounts for a consolidated view of your entire financial picture.
Interactive charts and detailed views help monitor all your accounts.
Join a screen sharing session quickly and easily for interactive planning anytime, anywhere.
Safely store your most important financial documents, accessible 24/7.
Know how much you’re in and where
Set budgets to help reach your savings goals.
A complete financial picture available on your smart phone.
See if you’re on target to reach your most important goals.
Leveraging powerful tools and technology, we’ll quickly answer your most important questions, explore your options, and together create a personalized plan aimed toward a successful, stress-free retirement.
The average retirement shortfall for Baby Boomers and Gen Xers is nearly $50,000.
We can determine and help you reach the right income stability ratio – a calculation that measures the percentage of retirement income that is being generated from guaranteed or known sources, versus the percentage that is dependent on the market.
Between 2013 and 2018, the average family experienced significant income swings — spikes or dips of more than 25 percent of their median income — in five months out of the year, ˜ MarketWatch
More than 7 out of 10 people do not change to their portfolio in their prime retirement years.˜ Talk to us about potentially diversifying to avoid market volatility affecting your retirement income.
Alliance for Lifetime Income
EVENTS
Learn from the experts! We host educational webinars and live seminars that discuss a range of financial topics. RSVP to attend an event soon because seating is limited.
Start making more informed choices for your financial future with Breakwater Capital. Schedule a free in-person or virtual consultation so we can get to know each other. During our meeting we will discuss your finances at length to determine if Breakwater Capital is right for you.
Fill out a Contact Form to Request More Information or Schedule a Consultation
9940 Research Dr. Suite 200 Irvine, CA 92618
(310) 940-9430
Josh@Breakwater1031.com
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All investing involves risk of loss of some or all principal invested. Past performance is not indicative of future performance. There can be no guarantee that any investment or strategy will achieve its stated objectives. Speak to your tax and/or financial professional prior to investing. Securities and advisory services through Emerson Equity LLC, member FINRA and SIPC and a registered investment adviser. Emerson is not affiliated with any other entity identified herein.
There is no guarantee that any strategy will be successful or achieve investment objectives; Potential for property value loss – All real estate investments have the potential to lose value during the life of the investments; Change of tax status – The income stream and depreciation schedule for any investment property may affect the property owner’s income bracket and/or tax status. An unfavorable tax ruling may cancel deferral of capital gains and result in immediate tax liabilities; Potential for foreclosure – All fnanced real estate investments have potential for foreclosure; Illiquidity –These assets are commonly offered through private placement offerings and are illiquid securities. There is no secondary market for these investments;Reduction or Elimination of Monthly Cash Flow Distributions – Like any investment in real estate, if a property unexpectedly loses tenants or sustains substantial damage, there is potential for suspension of cash flow distributions; Impact of fees/expenses – Costs associated with the transaction may impact investors’ returns and may outweigh the tax benefts. Stated tax benefts – Any stated tax benefts are not guaranteed and are subject to changes in the tax code. Speak to your tax professional prior to investing.
Investing in opportunity zones is speculative. Opportunity zones are newly formed entities with no operating history. There is no assurance of investment return, property appreciation, or profits. The ability to resell the fund’s underlying investment properties or businesses is not guaranteed. Investing in opportunity zone funds may involve a higher level of risk than investing in other established real estate offerings. Long-term investment. Opportunity zone funds have illiquid underlying investments that may not be easy to sell and the return of capital and realization of gains, if any, from an investment will generally occur only upon the partial or complete disposition or refinancing of such investments. Limited secondary market for redemption. Although secondary markets may provide a liquidity option in limited circumstances, the amount you will receive typically is discounted to current valuations. Difficult valuation assessment. The portfolio holdings in opportunity zone funds may be difficult to value because financial markets or exchanges do not usually quote or trade the holdings. As such, market prices for most of a fund’s holdings will not be readily available. Capital call default consequences. Meeting capital calls to provide managers with the pledged capital is a contractual obligation of each investor. Failure to meet this requirement in a timely manner could elicit significant adverse consequences, including, without limitation, the forfeiture of your interest in the fund. Leverage. Opportunity zone funds may use leverage in connection with certain investments or participate in investments with highly leveraged capital structures. Leverage involves a high degree of financial risk and may increase the exposure of such investments to factors such as rising interest rates, downturns in the economy or deterioration in the condition of the assets underlying such investments. Unregistered investment. As with other unregistered investments, the regulatory protections of the Investment Company Act of 1940 are not available with unregistered securities. Regulation. It is possible, due to tax, regulatory, or investment decisions, that a fund, or its investors, are unable realize any tax benefits. You should evaluate the merits of the underlying investment and not solely invest in an opportunity zone fund for any potential tax advantage.
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