Breakwater Investment Management

Financial Planning

The objective of financial planning is to create a strategy to help you meet your goals through proper management of financial resources. Financial planning is fluid. It is a process, not a destination. Our financial plans are, first and foremost, custom-tailored to your goals and your situation. The plan is given to you in written format with sufficient detail to allow you to implement the plan with us, with another advisor or on your own. There is also sufficient brevity in the plan to make them actionable and easy to understand. We try to avoid jargon.

We help our clients achieve their desired goals and objectives by constructing a complete, comprehensive plan that addresses important client concerns, such as:

  • Cash flow management
  • Insurance review
  • Investment planning
  • Educational planning
  • Retirement planning
  • Income tax planning
  • Estate planning
  • Planning for other major life goals

The financial planning process

We follow the six-step financial planning approach outlined by the Certified Financial Planner Board of Standards:

  • Establish and define our relationship with you
  • Gather data, including your goals and expectations
  • Analyze and evaluate your current financial status
  • Develop and present your financial plan
  • Implement your financial plan
  • Monitor and review your financial plan

Our form ADV (PDF) is a regulatory disclosure that is a great place to further research our firm. For more information or for an initial consultation, please contact us.

Additional Resources:


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