Ross M. Pollard

BREAKWATER CAPITAL

Kalamazoo, MI 49007

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CRD#: 4487748

Professional summary

Ross Michael Pollard, CFP® is a registered financial advisor currently at BREAKWATER CAPITAL located in Kalamazoo, Michigan.

Ross is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2002. Ross has worked at 4 firms and has passed the Series 63 and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Ross Michael Pollard's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Experience

Current

May 18, 2015 - Present

BREAKWATER CAPITAL

Office #1: 251 N Rose Street Suite 200, Kalamazoo, MI 49007

RIA

CRD#: 172498

Kalamazoo, MI

Past

February 18, 2011 - May 13, 2015

INTEGRATED FINANCIAL PLANNING

RIA

CRD#: 108036

KALAMAZOO, MI

Past

October 5, 2010 - March 3, 2011

AMERIPRISE FINANCIAL SERVICES, LLC

RIA

CRD#: 6363

KALAMAZOO, MI

Past

March 28, 2002 - July 3, 2006

IDS LIFE INSURANCE COMPANY

CRD#: 6321

MINNEAPOLIS, MN

Past

March 28, 2002 - March 3, 2011

AMERIPRISE FINANCIAL SERVICES, LLC

CRD#: 6363

KALAMAZOO, MI

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

BREAKWATER CAPITAL

BREAKWATER CAPITAL | POLLARD, ROSS MICHAEL | INTEGRATED FINANCIAL PLANNING | BREAKWATER CAPITAL, LLC

CRD#: 172498 / SEC#: 801-118620

RIA

Registered Investment Advisory firm - (4/30/2020 Approved)

Michigan

Registered Investment Advisory firm - (5/27/2020 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Michigan
(5/18/2015)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

Series 63

Date: 4/3/2002

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 7

Date: 3/27/2002

General Securities Representative Examination

Current Firm

BREAKWATER CAPITAL

BREAKWATER CAPITAL | POLLARD, ROSS MICHAEL | INTEGRATED FINANCIAL PLANNING | BREAKWATER CAPITAL, LLC

CRD#: 172498 / SEC#: 801-118620

RIA

Registered Investment Advisory firm - (4/30/2020 Approved)

Michigan

Registered Investment Advisory firm - (5/27/2020 Terminated)

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Contact information

Main Address

251 N Rose Street Suite 200, Kalamazoo, MI 49007

Mailing Address

Phone number

(269) 903-2360

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (1 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

BREAKWATER OTHER THAN ANNUAL (3/29/2025)

Regulatory assets under management

Total Number of Accounts	470
AUM (Assets Under Management)	$ 142,589,929

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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MWA FINANCIAL SERVICES INC.

Kalamazoo, MI

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Ross M. Pollard

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Ross Michael Pollard's CRS (Customer Relationship Summary).

Certified licenses

Experience

BREAKWATER CAPITAL

INTEGRATED FINANCIAL PLANNING

AMERIPRISE FINANCIAL SERVICES, LLC

IDS LIFE INSURANCE COMPANY

AMERIPRISE FINANCIAL SERVICES, LLC

Primary Firm SEC Registration

BREAKWATER CAPITAL

State Registrations and Notice Filings

Exams

Series 63

Date: 4/3/2002

Series 7

Date: 3/27/2002

Current Firm

BREAKWATER CAPITAL

Contact information

SEC notice filing (1 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

BREAKWATER CAPITAL

TRUST BUT VERIFY

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