Daniel Ringer
Breakwater Financial · Needham, Massachusetts
Daniel Ringer is a fee-only financial advisor at Breakwater Financial in Needham, Massachusetts, who holds the CFP credential. Daniel charges hourly fees and an ongoing planning fee (ongoing planning from $3,600 a year and 0.5%–1.5% a year of assets managed).
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Facts
| Firm | Breakwater Financial |
|---|---|
| Based in | Needham, Massachusetts |
| Fee model | Hourly · Ongoing planning fee |
| Fees (firm's website) | Ongoing planning from $3,600 a year · 0.5%–1.5% a year of assets managed |
| Accepting new clients | Not currently |
| Assets under management | $127.9M across 281 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in MA, NH · CRD 5256318 |
| Exams passed | Series 66 (2007) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | breakwaterfinancial.com |
How Daniel's firm compares
- Ongoing planning starts at $3,600 a year, below the Massachusetts median of $5,000 for fee-only firms that publish prices.
- Breakwater Financial's average account is about $455,000, from its Form ADV (assets managed divided by 281 accounts).
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Questions about Daniel
Is Daniel Ringer a fee-only financial advisor?
Yes, according to SEC records as of October 29, 2026: Daniel holds no broker registration, and Breakwater Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.
How does Daniel charge for financial advice?
Daniel charges hourly fees and an ongoing planning fee.
How much does Daniel charge?
According to Breakwater Financial's website, checked October 30, 2026: ongoing planning from $3,600 a year; 0.5%–1.5% a year of assets managed.
Where is Daniel Ringer based?
Daniel Ringer is based in Needham, Massachusetts.
What credentials does Daniel Ringer hold?
Daniel Ringer holds the CFP credential.
Is Daniel Ringer registered with the SEC?
Yes. Daniel Ringer is registered as an investment adviser representative in MA and NH (CRD 5256318), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.
How much does Breakwater Financial manage?
Breakwater Financial reports $127.9M across 281 accounts in assets under management.
How do I contact Daniel Ringer?
Through Daniel's website, breakwaterfinancial.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : 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
- Breakwater Financial website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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