Breakwater Financial is a fee-only financial planning firm. As fiduciaries, we provide financial advice and guidance 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 noticed by now, this has not been a great year for stock and bond markets. Most stock markets are now in what is technically defined as a correction. With all the volatility, negative news stories, and predictions of doom, I thought it would be helpful to look back over the history of market corrections to put this one into perspective.
When markets are going down, the losses fall into three categories: pullbacks, corrections, and bear...
The reverse mortgage, or technically known as the Home Equity Conversion Mortgage (HECM), is not the most popular retirement income tool. Some say they are expensive, that they will hurt your children's inheritance, that your spouse will get kicked out of your house when you die, that they should be used only as a last resort, or that your loved ones will be on the hook for the debt. We've all heard the arguments against them. But are these beliefs valid? Is it...
It's once again fall in New England, and that means one great thing to many of us - football is back! As a kid, football was the only sport that I loved to play. As an adult, one of my greatest joys of fatherhood is coaching my two sons’ Flag Football teams. While enjoying the games this past weekend, it occurred to me that football can teach us a lot about personal finance.
Football, like any team sport, has two sides to the game. Offense and defense....
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Email: info@breakwaterfinancial.com
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