Breachway Investments provides comprehensive financial planning and investing services for successful individuals, families, and institutions. We are structured to provide it in a truly client-centered way.
Most advisors are affiliated with a bank, insurance company or Wall Street firm—and they are routinely expected to push the products that are most lucrative for those parent firms. As fee-only advisors, we are compensated by, and answer to, our clients alone. That independence frees us to recommend the best solutions for our clients throughout the entire universe of investment products.
Breachway Investments is a Fee-Only firm. We are paid directly by our clients for our services, much like a doctor, attorney, or accountant. This is our only source of income. We receive no compensation, commissions, fee splits, or any other financial incentives from brokerages, banks, insurance companies or financial service providers. Our advice is free from the influence that such outside compensation may induce.
In an effort to serve our clients’ needs, we offer three different models to work with us, with each model matched to the level of service you require.
So, what’s the scenario? We must ask the clients a series of questions to find out exactly what they are looking for. This will uncover their needs in such a way that will allow the advisor to make recommendations and manage the overall relationship. Following are the exact pieces of information for an introductory meeting to obtain a holistic profile.
The real value of all of our work up to this moment is lost unless we act. Typically, this will involve organizing, consolidating, and retooling the client’s current scenario, with help from an “advisory triangle” and team of specialists. The extended team of specialists may include, but is not limited to: a private banker for lending needs, an insurance specialist, a business retirement plan person, and other experts that may be helpful regarding particular investments or other client needs. The advisory triangle often consists of a financial planner, tax advisor, and legal advisor/attorney. In practice, the financial planner can oversee (even if outsourcing) the investments, insurance, and liabilities such as mortgages and lending needs. Very dedicated planners focus on the plan from inception to ongoing maintenance.
During this stage, the investment portfolio will be constructed and the allocation will be implemented.
In our advisory role, we never take custody of client assets. We utilize Schwab Institutional, a division of Charles Schwab & Co., Inc., as the custodian of client accounts and as our primary broker.
The Academy of Certified Portfolio Managers (ACPM) is an independent organization that creates and manages a credentialed program of excellence for training discretionary portfolio managers. The collaborative and continuous learning experience enables portfolio managers to achieve a higher level of expertise in multiple facets in an ever-changing and dynamic global economy.
The Certified Portfolio Manager (CPM®) Program aims for the highest level of responsibility and accountability to clients, be they individuals, families, foundations or institutions. The CPM Program equips investment professionals with essential tools needed to become better portfolio managers. As the home of Graham and Dodd, as well as Mr. Buffett, Columbia University was the perfect fit to hold our annual executive education program.
CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can call themselves a CFP® professional.
Financial planning is a dynamic process. Your financial goals may evolve over the years due to shifts in your lifestyle or circumstances such as an inheritance, career change, marriage, house purchase or a growing family. As you begin to consider how best to manage your financial future, you should feel confident knowing that with a CFP® professional, you’re working with someone committed to providing the highest standard of financial planning.
The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve. Our rich history began in 1983 when a group of advisors simply wanted to serve their clients without muddling the relationship with commissions. Since then we have developed high standards in the field and each advisor must sign and renew a Fiduciary Oath yearly and subscribe to our Code of Ethics. It's all a part of the mission of NAPFA. The association provides support and education for over 3,800 practitioners all over the country and is governed by the NAPFA Board of Directors and supported by our four Region Boards.