Firm

Overview

Breakwater Capital is an Independent Firm comprised of investment professionals with a wide range of expertise. This unique collective enables us to find attractive investment opportunities and  tax strategies that other firms may overlook. 

“We believe educated investors are more disciplined, and disciplined investors are better positioned to earn more consistent returns.”

JOSHUA CHAPIN, PRESIDENT & CEO

If you approach a wealth manager and an insurance agent with the same investment question, you’ll likely get a market driven answer from one and an insurance-based solution from the other. But in reality, you have many needs and require a multi-faceted approach.

As an independent firm, we’ve built our service around the ability to pick and choose the right financial strategies from all available sources, specifically for each individual client.

We also believe that most investors are lacking exposure to a key investment class that other brokers typically do not have access to, alternative investments. In our experience a majority of people are not taking advantage of these vehicles that institutional investors and wealthy families have for generations. Breakwater Capital was founded to open this world to our clients, as we believe this asset class is crucial to a truly diversified portfolio.

PDF Download - Breakwater Capital's: Firm Overview

AT BREAKWATER WE CAN HELP

Educate you on the nuances within investments and how they should be properly utilized

Create an overall plan or provide advice with a more limited scope

Manage your expectations

Create a lifetime relationship and be a resource for any future needs

The potential for reward when investing includes a commitment of time and/or risk. We have identified strategies that aim to limit the negatives and amplify the positives as much as possible.

Our role is to match clients with investments that target the best risk-adjusted return with the least amount of time commitment, making sure they fit into an individual’s overall portfolio and goals.

We would like the opportunity to prove to you that working with a professional can be one of the most important financial decisions that you will ever make, and just a little bit of time and effort has the potential to make a huge positive impact on your life. Our main goal is to have successful, happy clients that rave about us to their inner circle. That’s how our company grows and flourishes.

 

Our Competitive Advantage

Breakwater Capital is a unique group of investment specialists with a wide range of expertise encompassing investment analysis, portfolio management, real estate, and advanced insurance application. This collective enables us to find attractive alternative investment opportunities as well as creative tax strategies that others may overlook. We believe clients should be aware of all of their available options and have seen over the years that they are simply not getting this information through traditional channels.

OUR STATISTICS

By the Numbers

$ 5 M+

In Saved Taxes
for our Clients

$ 25 M+

In Raised Capital

15 %

Client Retention

15 %

Never Lost Any
Client Funds

50

Clients and Counting

Our Typical Client

Since we are not limited to a specific product or investment, our clients come from all walks of life. However, our specialties tend to cater themselves to a specific demographic of people that are either in the latter stage of wealth accumulation or have reached the top of that mountain and want to enjoy what they have earned. These individuals typically have a similar set of goals, concerns, values and needs. Our typical client would check several of these boxes:

Most have accumulated significant assets and are considered high-net worth
Conservative to moderate risk tolerance
Main goals include preservation of capital, income and tax reduction / elimination
Age usually between Mid-Fifties to early Seventies.
Business owner, entrepreneur or high-level professional

AT BREAKWATER WE CAN HELP

  • Provide Access To Investments & Tax Strategies Typically Only Available To The Ultra-Wealthy And Institutional Investors
  • Help Defer & Eliminate Capital Gains Tax On The Sale Of Real Estate & Large Market Positions
  • Teach Clients How To Be Much More Diversified From A Holistic Perspective
  • Show High-Net Worth Individuals How They Can Potentially Increase Their After-Tax Estate for Their Families
  • Show Business Owners How They Can Save Money in Taxes Every Year With Little Known Techniques many CPAs may Not Have Access to

Our Specialties

Investing in the stock market, single-family rentals, annuities, life insurance… These things are essential and all have their virtues, but most investors have heard about them ad nauseam. They are valid and have their place in a sound financial plan, but not exciting and nothing new. These concepts are established and may not be able to move the needle for of our clients.

At Breakwater Capital, we want to introduce concepts and investments that clients have not heard of before and are extremely powerful when used properly in the right circumstances. We specialize in high-level investment and financial planning concepts that many other advisors do not, and most of the clients that have come to us were unaware of. These are the types of strategies that many investors hear about, but either lack the motivation or access to actually implement them. They are designed to attempt to maximize income and return and minimize tax exposure and risk

Investment
Philosophy

Each type of investment is designed with a certain client in mind and inherently has its own set of benefits and drawbacks. There is no simple “one size fits all” solution.

Contrary to what most think, there are very few “bad” investments out there, just ones that have not been used properly or sold to the wrong investor. Our belief is that you need the proper balance and every investor has a unique mix based on their individual situations. That is why we do not pigeonhole ourselves in only working with one type of asset class like many other advisors do.

Breakwater Allocation (SAMPLE)

TARGETED OBJECTIVES​

  • Cover fixed expenses with fixed or predictable income, reducing performance pressure on your investment portfolio 
  • Introduce “hard assets” and alternative investments into your portfolio that help diversify overall risk & volatility 
  • Reduce investment costs inside stock portfolio by utilizing ETFs and index funds
  • Use the “bucket technique” to segment investments by risk and time horizon to match corresponding life needs and goals
  • Take advantage of certain lesser known techniques to reduce tax exposure
  • Have a plan that address the expenses associated with long term care and other medical needs
  • Maintain sufficient liquidity for other investment opportunities, variable costs and emergencies
  • Establish an estate plan to minimize tax implications during wealth transfer to heirs
  • .Diversified Market Portfolio
  • .Real Estate
  • .Alternative Investments
  • .Health Expense Contingency
  • .Cash

What to look for in a Financial Adivsor

Most people are not financial experts. They know that planning is vital, but don’t have the time, the desire, or the expertise to make tough financial decisions and effectively manage their financial resources. Maybe they want to hire a Financial Advisor but they don’t know where to start.

TO LEARN ABOUT THE DIFFERENT TYPES OF ADVISORS, HOW HEY ARE PAID, AND WHERE BREAKWATER FITS IN, DOWNLOAD OUR COMPLETE GUIDE BELOW.

PDF Download - Breakwater Capital's: Working With An Advisor

CONTACT

Get in
Touch

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.

Contact Us

BREAKWATER

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. 

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