Our Process

Let´s Chat

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.

Build a Plan

Based on our initial meeting, we will work together to formulate a plan based on your unique goals, needs,

Stay Accountable

Discuss the components of your plan and determine who will handle the actionable items and guide you each step of the way.

Breath Easy

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.

Monitor Process

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.


At our firm, we believe that clients recieve the greatest value through an ongoing relationship that is built on trust and mutual respect.

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.

Client Benefits

As a potential client of Breakwater Capital, you will receive the following free of charge:

  • Expert analysis and stress test of your current financial plan
  • Investment and Insurance Review Concept and Product Education
  • Written Recommendations and Actionable steps
  • Unlimited support from our staff to implement any recommendations

Exceeding the expectations of all our clients is our primary goal. Therefore, we provide the following services to all clients::

  • Ongoing financial planning advice and support –– Feel free to contact us at any time with questions or for guidance at no additional charge
  • Access to our Network of other Financial Professionals to meet your unique needs
  • Annual Face-to-Face Progress Meetings
  • Invitations to Client Events
  • Personal Client Portal
  • Financial Organization Binder


Take Control of Your Financial World

Your Personal Financial Management website makes it easy to manage both your wealth and your well-being.

Organize. Monitor. Collaborate.


Connect all your accounts for a consolidated view of your entire financial picture.


Interactive charts and detailed views help monitor all your accounts.

Screen Sharing

Join a screen sharing session quickly and easily for interactive planning anytime, anywhere.


Safely store your most important financial documents, accessible 24/7.

Track Speeding

Know how much you’re in and where

Budgeting Low

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.

Retire with More Confidence

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.

Identify if you’re at risk of running out of money in retirement and we’ll explore solutions to ensure you won’t experience an income shortfall.

The average retirement shortfall for Baby Boomers and Gen Xers is nearly $50,000.

Stress test your portfolio simulating different market environments and I’ll help you understand the impact each could have on your retirement goals.

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.

Determine what portion of your income is exposed to market volatility and we’ll look at options that add more certainty to your retirement.

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

See if the level of risk in your current portfolio exceeds your comfort zone, and we’ll make adjustments to bring it into alignment.

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


Get in

Schedule a free in-person or virtual consultation so we can get to know each other. We will discuss your finances at length to determine if Breakwater Capital is right for you.



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.