Daniel A. Ringer

BREAKWATER FINANCIAL

NEEDHAM, MA 02494-2724

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CRD#: 5256318

Professional summary

Daniel Abraham Ringer, CFP®, who also goes by D Abraham Ringer, is a registered financial advisor currently at BREAKWATER FINANCIAL, LLC located in Needham, Massachusetts.

Daniel is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2007. Daniel has worked at 3 firms and has passed the Series 66, SIE and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

D Abraham Ringer

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 Daniel Abraham Ringer'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

Start date: 2012

Experience

Current

April 27, 2016 - Present

BREAKWATER FINANCIAL, LLC

Office #1: 117 Kendrick Street Suite 300, Needham, MA 02494-2724

RIA

CRD#: 282401

NEEDHAM, MA

Past

June 1, 2009 - March 11, 2016

MORGAN STANLEY

CRD#: 149777

BOSTON, MA

Past

January 4, 2007 - June 1, 2009

CITIGROUP GLOBAL MARKETS INC.

CRD#: 7059

BOSTON, MA

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 FINANCIAL, LLC

BREAKWATER FINANCIAL LLC | BREAKWATER FINANCIAL, LLC

CRD#: 282401 / SEC#: 801-131321

RIA

Registered Investment Advisory firm - (10/21/2024 Approved)

Massachusetts

Registered Investment Advisory firm - (11/21/2024 Terminated)

New Hampshire

Registered Investment Advisory firm - (11/22/2024 Terminated)

Texas

Registered Investment Advisory firm - (6/27/2023 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

Massachusetts
(4/27/2016)

IAR

New Hampshire
(7/26/2016)

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

IAR

Series 66

Date: 1/18/2007

Uniform Combined State Law Examination

General Industry/Product Exam

SIE

Date: 3/11/2016

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 1/3/2007

General Securities Representative Examination

Current Firm

BREAKWATER FINANCIAL, LLC

BREAKWATER FINANCIAL LLC | BREAKWATER FINANCIAL, LLC

CRD#: 282401 / SEC#: 801-131321

RIA

Registered Investment Advisory firm - (10/21/2024 Approved)

Massachusetts

Registered Investment Advisory firm - (11/21/2024 Terminated)

New Hampshire

Registered Investment Advisory firm - (11/22/2024 Terminated)

Texas

Registered Investment Advisory firm - (6/27/2023 Terminated)

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Contact information

Main Address

117 Kendrick Street Suite 300, Needham, MA 02494-2724

Mailing Address

Phone number

(617) 849-8019

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (2 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

BREAKWATER ADV PART 2A (5/20/2025)

Regulatory assets under management

Total Number of Accounts	62
AUM (Assets Under Management)	$ 109,789,362

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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Daniel A. Ringer

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Daniel Abraham Ringer's CRS (Customer Relationship Summary).

Certified licenses

Experience

BREAKWATER FINANCIAL, LLC

MORGAN STANLEY

CITIGROUP GLOBAL MARKETS INC.

Primary Firm SEC Registration

BREAKWATER FINANCIAL, LLC

State Registrations and Notice Filings

Exams

Series 66

Date: 1/18/2007

SIE

Date: 3/11/2016

Series 7

Date: 1/3/2007

Current Firm

BREAKWATER FINANCIAL, LLC

Contact information

SEC notice filing (2 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

BREAKWATER FINANCIAL, LLC

TRUST BUT VERIFY

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