Overview

Breakwater Accounting + Advisory provides outsourced financial services for small- and medium-sized businesses, nonprofits, and private clients. Its offering includes bookkeeping, payroll, and controller services, with a focus on back-office work like accounts payable/receivable, bank reconciliations, and financial reporting. The company uses a technology-forward approach, leveraging cloud accounting tools (notably QuickBooks Online) and a dedicated team of ProAdvisors to deliver customized services. Clients begin with a needs assessment and receive a tailored program, delivered at a flat monthly rate with a one-time setup fee. Breakwater serves multiple industries and also offers a family office service for high-net-worth individuals. In 2021 it was acquired by Cultivate Advisors. The goal is to streamline clients’ financial management and reporting through structured, scalable back-office solutions that support growth and financial clarity.