Breakwater Capital fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 31, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$100⁠-⁠$250/hr

“These fees are negotiable but generally range from $100 to $250 on an hourly basis, depending on the level and scope of services.”

Annual fee

$5,000/yr

“Breakwater generally includes financial planning in its investment management fee for clients whose investment management fee exceeds $5,000 annually.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Breakwater Capital bills

Payment and refund terms, quoted from the fee section of the brochure.

• “An estimate of the time required and total fees to be incurred will be discussed with the client in advance of the engagement.”
• “The balance of the fee is generally due upon delivery of the financial plan or completion of the agreed-upon services.”
• “Breakwater’s fee is prorated and charged quarterly, in advance, based upon the market value of the assets being managed by Breakwater on the first day of the new quarter.”

How Breakwater Capital’s fees compare

• Its hourly rate of $100-$250 is below the Michigan median of $250. 12% of the 170 other Michigan planners that publish an hourly rate charge less.
• 1 of the 4 other planners in Kalamazoo that publish an hourly rate charge less.
• Its annual fee of $5,000 is below the Michigan median of $6,000. 32% of the 37 other Michigan planners that publish an annual fee charge less.

About Breakwater Capital

• Firm size: 2 employees.
• Credentials named in the brochure: CFP® and CFA.
• Registered as an adviser: 2020 (6 years).

Planning areas mentioned in the brochure

• Estate planning
• Cash flow and budgeting

Firm details from Form ADV

How the firm is paid

Hourly fees, percentage of assets under management

Charges a % of assets

Yes

Highest asset based fee in brochure

1% a year

Clients

137

Employees

2

Works with

Individuals, high net worth individuals, and charities

Services reported to regulators

Financial planning and portfolio management for individuals and small businesses

Assets managed

$156,644,142

Registered with

U.S. Securities and Exchange Commission

Disciplinary disclosures

None reported

SEC CRD number

172498

Website

breakwater.capital (opens in new tab)

Phone

(269) 903-2360

Other planners in Kalamazoo that publish fees

• Black Diamond Investment Group,inc.Kalamazoo$150/hr
• Clear Ridge Wealth Management, LLCKalamazoo$200⁠-⁠$500/hr, $1,500⁠-⁠$5,000
• CWS Financial Advisors LLCKalamazoo$250/hr, $250⁠-⁠$7,500
• Gasaway Investment Advisors, Inc.Kalamazoo$250/hr

Compare all 7 planners in Kalamazoo