Ross Pollard
Breakwater Capital · Kalamazoo, Michigan
Ross Pollard is a fee-only financial advisor at Breakwater Capital in Kalamazoo, Michigan, who holds the CFP credential. Ross focuses on sustainable & impact investing, estate & legacy planning and tax planning. Breakwater Capital reports charging a percentage of assets and hourly fees on its Form ADV.
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Specialties
Who they serve
- Retirees
- Pre-retirees
Facts
| Firm | Breakwater Capital |
|---|---|
| Based in | Kalamazoo, Michigan |
| Fee model (firm's Form ADV) | Percentage of assets · Hourly |
| Assets under management | $156.6M across 466 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in MI · CRD 4487748 |
| Exams passed | Series 63 (2002) |
| Firm size | 2 employees |
| Disclosures | None reported |
| Website | www.breakwater.capital |
How Ross's firm compares
- Breakwater Capital's average account is about $336,000, from its Form ADV (assets managed divided by 466 accounts).
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Questions about Ross
Is Ross Pollard a fee-only financial advisor?
Yes, according to SEC records as of October 29, 2026: Ross holds no broker registration, and Breakwater Capital reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.
How does Ross charge for financial advice?
Ross's firm, Breakwater Capital, reports charging a percentage of assets and hourly fees on its SEC Form ADV.
Where is Ross Pollard based?
Ross Pollard is based in Kalamazoo, Michigan.
What does Ross specialize in?
Ross's specialties include sustainable & impact investing, estate & legacy planning and tax planning. Ross works with retirees and pre-retirees.
What credentials does Ross Pollard hold?
Ross Pollard holds the CFP credential.
Is Ross Pollard registered with the SEC?
Yes. Ross Pollard is registered as an investment adviser representative in MI (CRD 4487748), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.
How much does Breakwater Capital manage?
Breakwater Capital reports $156.6M across 466 accounts in assets under management.
How do I contact Ross Pollard?
Through Ross's website, www.breakwater.capital.
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 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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