Breakwater Financial, LLC fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed July 13, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$400/hr

“Hourly engagements bill at a rate of $400 per hour.”

Monthly fee

$300⁠-⁠$1,500/mo

“While monthly engagements are billed at a rate between $300 and $1,500 per month depending on the level of complexity of the planning as well as the Client's needs.”

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

How Breakwater Financial, LLC bills

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

• “Fees for Advisory Services Investment Advisory Services Investment advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the investment advisory agreement.”
• “Investment advisory fees in the first quarter of service are prorated from the inception date of the Client's account[s] to the end of the first quarter.”
• “Fees may be negotiable at the discretion of the Advisor.”

How Breakwater Financial, LLC’s fees compare

• Its hourly rate of $400 is above the Massachusetts median of $300. 81% of the 183 other Massachusetts planners that publish an hourly rate charge less.
• 4 of the 5 other planners in Needham that publish an hourly rate charge less.

About Breakwater Financial, LLC

• Solo practice: one person runs the firm, so you work directly with the planner.
• Credentials named in the brochure: CFP®.
• Registered as an adviser: 2024 (2 years).

Firm details from Form ADV

How the firm is paid

Hourly fees, fixed or flat fees, percentage of assets under management

Charges a % of assets

Yes

Highest asset based fee in brochure

1.5% a year

Minimum

$5,000 minimum fee (stated in brochure)

Clients

62

Employees

1

Works with

Individuals and high net worth individuals

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, and selecting other advisers

Assets managed

$127,853,636

Registered with

U.S. Securities and Exchange Commission

Disciplinary disclosures

None reported

SEC CRD number

282401

Website

linkedin.com/company/breakwaterfinancial (opens in new tab)

Phone

(617) 849-8019

Can advise clients in 2 states: Massachusetts, New Hampshire

Other planners in Needham that publish fees

• Ama Office Solutions LLCNeedham$3,000/yr
• AndersonlaneNeedham$4,000⁠-⁠$12,000
• Armstrong Advisory Group Inc.Needham$5,000/yr
• Centerpoint Advisors, LLCNeedham$350⁠-⁠$400/hr, $3,500⁠-⁠$10,000
• Infinite Summer Financial PlanningNeedham$225/hr, $2,500
• KJH Financial ServicesNeedham$225/hr, $10,000/yr

Compare all 16 planners in Needham