Your Team

Joseph P. Curran
President / Investment Advisor
Samuel E. Kaplowitz
Vice President / Investment Advisor
Curt A. Nadeau
Strategic Partner
Brette M. Connor
Operations Manager
Angela M. Curran
Client Associate

Why Us?

  • Clients First:

    Our clients insist on receiving professional advice that is truly unbiased from a firm that is focused on helping them meet their goals, period. They know that Breachway Investments is an independent firm, sells nothing but advice, and has no hidden agenda whatsoever.
  • Independent Thought and Action:

    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.

  • Fees, Not Commissions:

    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.

    • Asset-Based Fee: Full-service clients, who receive financial planning services and investment management pay a fixed percentage of their assets under management. The annualized percentage fee is assessed monthly or quarterly. The far majority of our clients fall into this category to maintain a long-term / ongoing relationship with assets maintained by our primary custodian (Charles Schwab).
    • Financial Planning Fee: The retainer arrangement is popular with clients who value ongoing oversight and guidance without having their assets on our platform. Clients who have "held-away" assets, such as those in 401(k) plans tend to take advantage of this planning service.
    • Hourly Rate: Clients seeking a one-time consultation or other service, such as developing a financial strategy, can pay us for just as much assistance as they require.
  • Flexibility Tailored to You:

    Every client scenario is different. Care is taken to ensure the unique circumstances of your particular situation are carefully considered. This component will evolve as time passes and your needs transform.

Our Process

  • STEP 1: Gather Profile Information

    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.

    Download Profile Form

  • STEP 2: Create Financial Plan and Investment Policy Statement

    Now that we have all of the vital client information, we can process the data and try to make sense of the whole scenario. Every plan is unique and must be customized carefully to include the specific needs of each individual, family, or business. In essence, the number of potential outcomes here is endless. It is not prudent to force the same cookie cutter plan when developing the proper action plan for a client. Of course, there exist basic principles necessary to build a robust presentation; however, each situation must be customized to some extent to incorporate wholly the unique personality of a particular client case.
  • STEP 3: Implementation and Investment Selection

    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.

  • STEP 4: Monitor, Review, and Update the Plan

    It’s best to go forward with the knowledge of where we’ve been. Every quarter, we go back to the drawing board and gather data to see where we are compared to where we were and where we are possibly going. It is important to see the numbers and raw information without any influence or bias. We also need to incorporate any changes with the client’s personal situation. The state of the markets and economic conditions are vital. Once all of my data is gathered, we prepare quarterly commentary and present changes to the investment portfolio or other areas of a client’s financial landscape. Investment additions or subtractions are made. This one formal research effort allows us to deliver a consistent message for all clients and their associated allocation models.

Our Clients

We serve a diverse group of clients, from 20-somethings to retirees. What they share in common: An insistence on trustworthy, expert advice with no strings attached.
  • High-net-worth and ultra-high-net-worth individuals and families, including those who are still building wealth and those who are retired.
  • Business owners, who seek both guidance through a liquidity event and a partner in managing their wealth.
  • Nonprofit organizations, which require expert, objective investment advice in order to achieve their goals.

Strategic Alliances

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.
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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.

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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.

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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.
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Free Financial Review

We offer a complimentary review meeting to describe our services, and to see if our services are right for you.

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