Broker Check

About Our Firm

Ryan P. Rech, CRPC®

President - Financial Advisor

904.508.0132 ext 101


Hi and welcome to our firm! My name is Ryan Rech and I am the founder of Breakwater Wealth Management. 

I started in finance while attending college at the University of North Florida studying biology with plans to work in the medical field. Little did I know at the time where that path would lead me to, being a financial advisor, which has become my passion that I absolutely love doing.

Growing up in a small town in upstate NY, I always had an interest in finance and investing, even at a young age. I can still remember opening up my first “Moola Moola” account with my local bank after starting my first job as the local paper boy. I've worked since the day I could get my workers permit and earning money at a young age led to an interest in learning more about savings and investing. Those are lessons which I would later learn built a strong foundation into my future passion and career. 

After spending nearly 15 years working with large, global firms you are likely familiar with, I founded Breakwater Wealth Management in 2015. I made the decision to start Breakwater Wealth Management after seeing a continued focus on what’s best for the firm and not so much the client. In this business, relationships matter and when your clients are successful, so are you. By being able to eliminate the focus of preferred products and sales quotas, my focus is on where it should be, and that's the success of my clients.

This industry likes to make things more complex than they need to be. I work to help my clients break down that complexity and understand the what, why and how to their financial decisions so they can focus on what’s important to them: their families, their lives and doing the things that make them happy. With over 2 decades of experience, my goal is to share the knowledge and experience that I have obtained over the years to help our clients work towards their financial goals and aspirations and more importantly, feel strong about the future ahead.

Markets go up and markets go down and our lives carry on. By building a strong foundation and plan, the ebbs and flows that come along the way become simply a piece of the puzzle to your long-term goals. 

CRPC® conferred by College for Financial Planning.

Stephanie Rech

Client Services Director


Stephanie brings a broad range of experience to Breakwater Wealth Management and our clients. She assists with the daily operations of the firm to help ensure our clients have an exceptional and seamless experience. Stephanie has worked with firms such as PriceWaterhouseCooper, BNY Mellon and Merrill Lynch in various capacities focused on client relations and operational excellence. Stephanie is a graduate of the State University of New York with a Bachelors in Accounting residing in Jacksonville, FL.

About Our Firm 

Founded in 2015, our firm is partnered with LPL Financial, the largest independent broker dealer in the country* and Private Advisor Group, a Registered Investment Advisor with over $26 billion* in assets under management. Our support with LPL Financial allows us to provide our clients with objective advice and guidance because we don’t depend on proprietary products or engage in investment banking activities; this means advisors affiliated with LPL are not pressured or influenced by LPL to sell its products. 

LPL Financial houses one of the largest independent research teams in the industry. Our team of experienced analysts, strategists, and investment specialists deliver objective advice and insightful commentary in a simple, relatable way. Transparency is paramount, and we seek to share as much information
 as possible to allow investors to understand what we’re watching and its potential impact. Please see our “Research” section to see some of our resources to keep you connected.

What does this mean for the people who choose to work with us? It means our advice is free from the influences of company agendas and sales quotas. We have the flexibility to offer our clients access to a wide range of non-proprietary products and services – without the obligation to sell any particular investment or brand – keeping our focus solely on your goals and needs.

*As reported in Financial Planning Magazine, 1996-2021, based on total revenue.

*Including advisors and assets of the Private Advisor Group RIA and the associated Office of Supervisory Jurisdiction within LPL Financial. As of December 31, 2020.

Private Advisor Group And LPL Financial

Breakwater Wealth Management is proud to align with Private Advisor Group of Morristown, NJ. It was founded by Patrick Sullivan and John Hyland, who saw the need for greater support for independent advisors, such as ourselves. Recognizing that compliance is of significant importance, Breakwater Wealth Management selected Private Advisor Group to add another level of protection for our clients. 

LPL Financial is one of the nation’s leading financial services companies and a publicly traded company on the NASDAQ under ticker symbol LPLA. The firm’s mission is rooted in the belief that objective financial guidance is a fundamental need for everyone. LPL does not offer proprietary investment products or engage in investment banking activities; this means advisors affiliated with LPL are not pressured or influenced by LPL to sell its products. Thousands of financial advisors nationwide are able to rely on the firm’s tools and resources to help them provide financial guidance and recommendations to help meet their clients’ needs. For more information about LPL Financial, visit 

Breakwater Wealth Management, Private Advisor Group and LPL Financial are separate entities. 

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