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How we can help

Navigate Life Events

Significant events happen in our lifetime that carry tremendous impact, such as the birth of a child, purchasing a home or retirement. These major life events can be emotional and exciting, and almost always come with financial considerations. 

Purchasing a Home

Buying a house is a major decision and an exciting event in many people's lives. It is also a significant financial decision, whether it is a primary residence or a vacation home. At Breakwater, we can counsel you on affordability, outlook on interest rates (the Fed) and how a purchase could impact any other savings or debt repayment goals that you may have. 

Having or Adopting a Child

Welcoming a child into your lives is an amazing part of life that comes with so much joy. It is also a time of change - priorities, schedules, work and so much more. Financially, it is also a good time to review things like your medical coverage, estate plan, life insurance and develop a college savings plan. Breakwater can help to walk you through financial changes, while you focus on what is most important.

Blending Families

Blending families can have a variety of financial implications, whether you are getting married, combining assets, or bringing together children from a previous marriage. Participating actively in the financial conversation is crucial. The best strategy for protecting your assets, what each party expects from the other financially, how to budget, and having the proper estate planning documents in place are essential conversations. The Breakwater team is here to help you navigate your unique situation.  

Losing a Loved One

Grieving someone who has passed can be one of the hardest moments and may feel life altering. Adding on the stress of having to learn how to live without that person financially can be overwhelming. From settling the estate, maintaining meticulous organization re-registering accounts and deciding what to do with an inheritance.  These are all areas where we help clients take back sense of control and feel secure as they wade through a difficult time.


For the vast majority of your working career there is a sense that retirement is a goal to be attained, much like reaching the top of the mountain while hiking or crossing the finish line at the marathon. The reality is that it's much more nuanced. Whether it’s providing educational and insightful content, modeling different scenarios around spending or our investment approach, we truly want this period to be the most enjoyable time in your life. You have worked really hard to get to this point, let us work really hard on your behalf.


Going through a divorce can be one of the most stressful times in one's life. With your world turned upside-down, it can impact every aspect of your legal, financial and personal life. The team at Breakwater is here to help you navigate through this difficult time. Find out specific ways we can help.

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Selling a Business

The process of transitioning into retirement itself is an adjustment and for the business owner there are layers of complexity and much to consider when deciding to transition from founder/entrepreneur. Breakwater can help you through the process whether it’s about the ideal buyer, arriving at an appropriate valuation, the structure and timing of the transaction and how it will all ultimately impact your future financial plans. This process will involve coordinating with all members of your inner circle from your advisors to your accountant and attorney(s). It’s not all quantitative given the investment of time and energy over the years, so being psychologically ready can be as important as extracting the most value. Breakwater, we will help to support you throughout, with the belief that you best years truly lie ahead.