James Fonzi
Breakwater Capital Group · Stoneham, Massachusetts
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.
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Specialties
Facts
| Firm | Breakwater Capital Group |
|---|---|
| Based in | Stoneham, Massachusetts |
| Fee model (firm's Form ADV) | Percentage of assets · Hourly · Fixed fees |
| Assets under management | $1.02B across 1,336 accounts |
| Credentials | CFA |
| SEC registration | Investment adviser representative in MA, NJ, TX · CRD 6918806 |
| Firm size | 4 employees |
| Disclosures | None reported |
| Website | breakwatercapitalgroup.com |
How James's firm compares
- Breakwater Capital Group's average account is about $763,000, from its Form ADV (assets managed divided by 1,336 accounts).
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Questions about James
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.
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 Capital Group 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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