All of our financial plans are developed in-house and customized to each investor's need. They're developed by a Certified Financial Planner™ and designed to achieve the clients' stated goals. We assess the clients' overall portfolios and recommend modifications that will achieve the highest probability of success. Each plan is reviewed continuously and adjustments are made depending on the clients circumstances.
After developing a successful financial plan, we implement the plan using our customized portfolios developed by a Chartered Financial Analyst®. We take special consideration regarding taxes and internal costs of the funds. We primarily utilize passively managed exchange traded funds (ETFs) to gain market exposure to certain asset classes, and we use fundamental analysis to determine the proper asset allocation and make changes based on current market conditions. We have an open architecture platform and are not tied to any investment firm.
We do not charge commissions/loads or any sales fees here at Breakwater Wealth Management. We charge our clients an Asset Under Management fee (AUM) based on the ending quarterly value of the investors assets. Clients will receive a billing invoice every quarter showing our fee.
This fee structure aligns us best with our clients since our fee is associated with our clients' account balances. We're incentivized to grow our clients' accounts based on the their stated goals.