# Breakwater Capital Group

> Breakwater Capital Group is an SEC-registered investment advisory firm in Paramus, NJ, registered since 2022, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated July 24, 2026.

- CRD: 321097
- Filed as: BREAKWATER CAPITAL GROUP
- Also doing business as: BREAKWATER CAPITAL PARTNERS
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Paramus, NJ
- Filing period: October 2026
- Form ADV filing dated: July 24, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/321097
- AdvisorCensus page: https://advisorcensus.com/firm/breakwater-capital-group-paramus-nj-321097

## Quick answers

**How is Breakwater Capital Group compensated?**
On its Form ADV (Item 5.E, October 2026), Breakwater Capital Group reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Breakwater Capital Group charge?**
Its Form ADV Part 2A brochure dated March 19, 2026 states: Flat fee: $5,000 to $20,000 (Financial Planning); Hourly rate: $500 an hour (Financial Planning). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Breakwater Capital Group located?**
Breakwater Capital Group's principal office is in Paramus, NJ, according to its Form ADV; the August 2026 filing also lists 2 other offices (Schedule D, Section 1.F).

**Is Breakwater Capital Group registered with the SEC or a state?**
Breakwater Capital Group is an SEC-registered investment advisory firm, registered since 2022. Status as filed: Approved. CRD 321097.

**How much does Breakwater Capital Group manage?**
Breakwater Capital Group reports $1,019,176,972 in regulatory assets under management in its Form ADV filing dated July 24, 2026 (100% discretionary).

**How have Breakwater Capital Group's assets and staff changed since 2022?**
In the Form ADV data for Breakwater Capital Group: Regulatory assets under management: $216,986,601 in the October 2022 data and $1,019,176,972 in the October 2026 data, up 370%. Total employees: 1 in October 2022 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Breakwater Capital Group serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (239); individuals (other than high net worth individuals) (131).

**Which custodians does Breakwater Capital Group use?**
Breakwater Capital Group's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab as a custodian holding 10% or more of its separately managed account assets.

**Does Breakwater Capital Group report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/321097

**What changed in Breakwater Capital Group's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $843,365,609 to $1,019,176,972 (+21%). Employees performing advisory functions went from 3 to 4. Changed its office addresses in Denver, CO.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 19, 2026)

- Minimum annual fee: $5,000

> We have no minimum account size; however, we do have a minimum annual fee of $5,000.

- Flat fee: $5,000 to $20,000 (Financial Planning)

> As a fixed fee, typically ranging from $5,000 to $20,000, depending on the nature and complexity of each client’s circumstances

- Hourly rate: $500 an hour (Financial Planning)

> On an hourly basis not to exceed $500 per hour.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $1,019,176,972
- Discretionary: $1,019,176,972
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 131 | $51,078,108 |
| High net worth individuals | 239 | $968,085,638 |
| Corporations or other businesses not listed above | Fewer than 5 | $13,226 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Selection of other advisers (including private fund managers)
- Educational seminars/workshops

### Firm details
- Registered since: 2022 (4 years)
- Employees: 4 total, 4 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, CO, CT, FL, MA, MD, NC, NH, NJ, NY, PA, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the August 2026 filing
- Dedham, MA
- Denver, CO

### Websites listed on Form ADV (Item 1.I)
- breakwatercapitalgroup.com
- Facebook facebook.com
- Instagram @breakwatercapitalgroup
- Instagram @investlikesophia
- LinkedIn @breakwater-capital-group
- YouTube @BreakwaterCapitalGroup

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2022 | $216,986,601 | 1 | September 16, 2022 |
| October 2023 | $334,793,332 | 2 | August 29, 2023 |
| October 2024 | $579,733,946 | 3 | March 6, 2024 |
| October 2025 | $843,365,609 | 3 | April 4, 2025 |
| October 2026 | $1,019,176,972 | 4 | July 24, 2026 |

Regulatory assets under management: $216,986,601 in the October 2022 data and $1,019,176,972 in the October 2026 data, up 370%.
Total employees: 1 in October 2022 and 4 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $843,365,609 to $1,019,176,972 (+21%).
- Employees performing advisory functions went from 3 to 4.
- Changed its office addresses in Denver, CO.

### February 2026
- Registered or notice-filed in CA.

### November 2025
- Changed its office addresses in Denver, CO.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Breakwater Capital Group (CRD 321097): Form ADV filing data as of October 2026.