Daniel Ringer has been Member, Founder, Principal and Chief Compliance Officer of Breakwater Financial since February 2016, is a control person of the firm and directly owns 75% or more of it. Daniel Ringer holds a Degree in Finance from Siena College.
Breakwater Financial, LLC is a Needham, MA firm with $128M under management, 62 clients and 1 adviser across 2 offices, as of its July 2026 filing.
Abe Ringer is Principal and Founder of Breakwater Financial, LLC, based in Needham, Massachusetts. Ringer founded the firm in 2016 and offers hourly financial planning, along with retainer and full-service offerings. Ringer began a career in financial planning at the Ayco Company (a Goldman Sachs Company) in its multi-family office practice, and in 2006 moved to Boston to build a new practice at what was then known as Smith Barney.
Professional designations
Listed by Breakwater Financial
- CERTIFIED FINANCIAL PLANNER™ (CFP®)
Investment adviser representative registrations
Daniel Ringer is registered as an investment adviser representative in 2 states. The first approvals date from April 2016; the most recent is New Hampshire, in July 2016.
- MassachusettsSince 27 April 2016
- New HampshireSince 26 July 2016
Examinations
| Exam | Name | Passed |
|---|---|---|
| SIE | Securities Industry Essentials Examination | Credited |
| Series 66 | Uniform Combined State Law Examination | 18 January 2007 |
| Series 7 | General Securities Representative Examination | 3 January 2007 |
- Name
- Securities Industry Essentials Examination
- Name
- Uniform Combined State Law Examination
- Name
- General Securities Representative Examination
- Full name
- Daniel Abraham Ringer
- CRD
- 5256318
- Firm
- Breakwater Financial · CRD 282401
- Role
- Member, Founder, Principal and Chief Compliance Officer
- Registration
- Investment adviser registration
- In the industry since
- April 2016
- Disciplinary history
- Not yet shown here · SEC record
- Firm bio
- breakwaterfinancial.com
Where does Daniel Ringer work?
Daniel Ringer has been Member, Founder, Principal and Chief Compliance Officer of Breakwater Financial, LLC since February 2016, and is a control person of the firm.
Is Daniel Ringer a financial advisor?
Yes. Daniel Ringer has a current investment-adviser registration in Massachusetts and New Hampshire, through Breakwater Financial since April 2016.
How many years of experience does Daniel Ringer have?
Daniel Ringer has 10 years in the financial industry, since April 2016, across 1 adviser firm.
What exams has Daniel Ringer passed?
Daniel Ringer has passed 2 licensing exams: the Series 7 and Series 66. The earliest, the Series 7, was passed in January 2007. FINRA credited Daniel Ringer with the SIE, which began in October 2018.
Is Daniel Ringer registered with FINRA?
No. Daniel Ringer has no current broker registration.
Is Daniel Ringer a CFP?
Breakwater Financial lists Daniel Ringer with the CFP credential (“CERTIFIED FINANCIAL PLANNER™ (CFP®)”) on its website. CFP Board confirms certification status.
How can I verify Daniel Ringer’s record?
Search CRD 5256318 on the SEC’s adviser search (adviserinfo.sec.gov), which publishes Daniel Ringer’s full registration record.