Financial Planning

Strategic gifting can reduce estate taxes and help loved ones when they need it most. Discover 2025 gift tax rules, state exemptions, and planning strategies.

Most young workers lose thousands in unvested 401(k) matches. Learn the 5 vesting schedule types and how timing job changes can save your retirement.

How the Federal Reserve's operations impact finances. Explore the roles of Fed governors, banks, and FOMC—plus what Jerome Powell's policies mean for your money.

Market outlook for Q4 2025: Fed rate cuts and strong earnings fuel gains, but elevated valuations, rising deficits, and speculative bubbles in gold and AI warrant caution. Learn what's ahead for investors.

Some financial pundits suggest that all you need for financial success is a “set it and forget it” approach with passive index fund investing. While long-term investing is indeed advantageous, is that truly all you need to do? What about tax-saving strategies, generating retirement income, or establishing a solid estate plan? And how should you respond to major life changes or significant market volatility? The simple fact is that managing wealth is complex, especially for high-net-worth individuals. From investment choices to tax planning and business succession, navigating these areas without professional guidance can lead to costly oversights. Partnering with a skilled fiduciary advisor can simplify the process, helping you focus on long-term success while steering clear of potential pitfalls. Breakwater Capital Group provides advanced wealth management solutions rooted in integrity and transparency. Our team of fee-only fiduciary advisors brings clarity and strategic insight to clients across the country.  This article explores the benefits of professional wealth management advice, highlighting the value of a fiduciary advisor who provides comprehensive and personalized financial solutions.

Spring is a time for renewal—a season to declutter, reorganize, and bring fresh energy into our lives. While cleaning out closets and tidying up your home, why not do the same for your finances? A cluttered financial situation can lead to stress, missed opportunities, and hidden costs that can throw off your long-term plans. Taking the time to organize your finances can help you feel more in control and ready for the future. With over five decades of combined experience, Breakwater Capital Group helps clients nationwide manage their assets, offering personalized guidance through our Massachusetts, New Jersey, and Colorado wealth management offices.  In this blog, we’ll explore why financial organization matters and the key steps you can take to refresh your financial life this spring.

Congratulations! Your student has been accepted to college. Now, the crucial question is: How do you pay for it? This is an exciting yet challenging time for students and parents across Massachusetts. As graduating seniors eagerly anticipate their next chapter, families face the logistical, emotional, and, most importantly, financial adjustments that come with higher education. Effective planning is key to navigating these transitions successfully.

Every New Year’s, millions of people prepare resolutions in the hopes of making their lives a little better. However, when it comes to financial resolutions, most are abandoned by February due to a lack of planning or follow-through.  Setting high goals at the beginning of the year, like “save more money” or “pay off debt,” is a great starting point toward financial stability and growth. These require, however, a well-defined roadmap to success — a guide that provides steps and directions through which these goals can be converted into reality. This is the point where your financial goals call for an effective financial plan. Professional management is crucial in mapping a way to accomplish financial goals. Breakwater Capital Group offers experienced guidance in this process.