Let's Connect and Work Together

How Can Breakwater Help You?

Based in Wilmington, DE, we offer cloud bookkeeping and online accounting services for small and medium-sized businesses, nonprofits, and private clients across the United States. Submit your information below to schedule a 30-minute discovery call.

Schedule Your Initial Diagnostic Call

Please share a few details about your organization so we can match you with the right Plan Formulator.

Full Name *

Company or Organization Name *

Business Email Address *

Direct Phone Number

Organization Category

Primary Service Interest

Current Accounting Platform

What immediate challenges can Breakwater help you solve?

All information submitted is kept strictly confidential under Delaware privacy standards.

Wilmington Headquarters

The Applied Bank Center

Conveniently located along the Concord Pike commercial corridor in Wilmington, Delaware, serving the Mid-Atlantic business hub and clients nationwide through secure cloud workflows.

Structured Onboarding

What Happens Next?

1. 30-Minute Discovery Call:
We review your pain points, transaction volume, and reporting frequency.
2. Diagnostic Roadmap:
You receive a tailored scope of work with a transparent, predictable monthly fee.
3. Captain-Led Transition:
Onboarding Captain Colleen Smarr manages data migration and tech integration.
4. Steady-State Rhythms:
Your dedicated Implementor and Controller take over weekly bookkeeping and monthly closes.

Dedicated Non-Profit Intake

Nonprofit Financial Health Diagnostic

Are your 501(c)(3) financial records audit-ready and compliant with FASB ASU 2016-14? Complete this self-diagnostic evaluation to identify hidden governance risks.

1. Fund Accounting Segregation:

Are your restricted donations and foundation grants cleanly separated from general operating revenues in your general ledger?

2. Statement of Functional Expenses:

Can your accounting system generate an itemized breakdown of Program Services vs. Management & General vs. Fundraising expenses on demand?

3. Federal Single Audit Monitoring:

If your organization expends over $1,000,000 in federal awards annually, is your Schedule of Expenditures of Federal Awards (SEFA) maintained continuously?

Call Us for a Free Nonprofit Diagnostic Review →

Privacy, Data Security & Compliance Commitments

Strict Data Protection & Mobile Privacy Clause

Breakwater Accounting + Advisory Corp. adheres to the highest data protection protocols governing client proprietary data, bank credentials, and financial statements. We utilize multi-factor authentication, end-to-end encrypted client portals, and secure cloud accounting infrastructure.

Mobile Information Policy: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All text messaging originator opt-in data and consent records are held strictly confidential and will never be sold, leased, or disclosed.