# James Fonzi

> James Fonzi is a fee-only financial advisor at Breakwater Capital Group in Stoneham, Massachusetts, who holds the CFA credential. James focuses on retirement planning, estate & legacy planning and tax planning. Breakwater Capital Group reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Breakwater Capital Group
- **Based in:** Stoneham, Massachusetts
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $1.02B across 1,336 accounts
- **Credentials:** CFA
- **Specialties:** Retirement planning, Estate & legacy planning, Tax planning, Divorce financial planning
- **CRD:** 6918806 (https://adviserinfo.sec.gov/individual/summary/6918806)
- **SEC registration:** Investment adviser representative in MA, NJ, TX
- **Firm size:** 4 employees
- **Disclosures:** None reported
- **Website:** https://breakwatercapitalgroup.com/

## Frequently asked questions

### Is James Fonzi a fee-only financial advisor?

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

### How does James charge for financial advice?

James's firm, Breakwater Capital Group, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is James Fonzi based?

James Fonzi is based in Stoneham, Massachusetts.

### What does James specialize in?

James's specialties include retirement planning, estate & legacy planning, tax planning and divorce financial planning.

### What credentials does James Fonzi hold?

James Fonzi holds the CFA credential.

### Is James Fonzi registered with the SEC?

Yes. James Fonzi is registered as an investment adviser representative in MA, NJ and TX (CRD 6918806), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Breakwater Capital Group manage?

Breakwater Capital Group reports $1.02B across 1,336 accounts in assets under management.

### How do I contact James Fonzi?

Through James's website, breakwatercapitalgroup.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6918806): 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.breakwatercapitalgroup.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.