# Bethany Steinhaus

> Bethany Steinhaus is a fee-only financial advisor at Breakwater Investment Management in Seattle, Washington, who holds the CFP credential. Bethany charges a percentage of assets (1% a year on the first tier of assets managed) and focuses on retirement planning, estate & legacy planning and tax planning.

Page: https://find.wellspent.co/advisors/bethany-steinhaus/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Breakwater Investment Management
- **Based in:** Seattle, Washington
- **Fee model:** Percentage of assets
- **Fees (firm's website):** 1% a year on the first tier of assets managed
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $302.7M across 572 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Estate & legacy planning, Tax planning
- **CRD:** 5311241 (https://adviserinfo.sec.gov/individual/summary/5311241)
- **SEC registration:** Investment adviser representative in WA
- **Firm size:** 4 employees
- **Disclosures:** None reported
- **Website:** https://www.breakwater.com/

## Frequently asked questions

### Is Bethany Steinhaus a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Bethany holds no broker registration, and Breakwater Investment Management reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Bethany charge for financial advice?

Bethany charges a percentage of assets.

### How much does Bethany charge?

According to Breakwater Investment Management's website, checked October 30, 2026: 1% a year on the first tier of assets managed.

### Where is Bethany Steinhaus based?

Bethany Steinhaus is based in Seattle, Washington.

### What does Bethany specialize in?

Bethany's specialties include retirement planning, estate & legacy planning and tax planning.

### What credentials does Bethany Steinhaus hold?

Bethany Steinhaus holds the CFP credential.

### Is Bethany Steinhaus registered with the SEC?

Yes. Bethany Steinhaus is registered as an investment adviser representative in WA (CRD 5311241), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Breakwater Investment Management manage?

Breakwater Investment Management reports $302.7M across 572 accounts in assets under management.

### How do I contact Bethany Steinhaus?

Through Bethany's website, www.breakwater.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5311241): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.breakwater.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.