Breakwater Financial is a fee-only financial planning firm and Registered Investment Advisor. We are proud to be held to the fiduciary standard when advising our clients. We feel strongly that financial planning should be accessible to everyone, this is why we offer financial advice on an hourly, retainer or full-service basis. At Breakwater Financial, we believe that financial planning has the power to change lives.
As I'm sure you've heard by now, there was a Cyber Security breach at Capital One which affected over 100 million individuals. Most of the information stolen was names, addresses, credit scores, balances, zip codes, email address, and dates of birth. However there was also around 140,000 Social Security numbers and around 80,000 bank account numbers exposed. If you applied for a Capital One credit card personally or for your business between 2005 and 2019 then you were...
Congress recently passed the Setting Every Community Up for Retirement Enhancement Act, aka the SECURE Act, by a shockingly wide margin (417-3). The Senate is considering a similar bill called the Retirement Enhancement and Savings Act (RESA) with similar changes. If made into law, these bills will have a significant impact on both Retirement Planning and Estate Planning. Let's review the SECURE Act in more detail.
The SECURE Act mostly accomplishes what its...
For most American workers, retirement is viewed as the crowning achievement of a life well lived. We have evolved to view retirement as the default destination for all and even a birthright. However, the idea of retirement is a relatively new one in our history. The concept has only been with us for about 100 years. During this time retirement has changed dramatically. However, our society has not always adapted and changed along with it. We still hold onto notions of...
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