Bookkeeping Basics
We deal with the daily details, so you can focus on the big picture.
- Accounts payable & bill processing
- Accounts receivable & invoicing
- Multi-state payroll & tax filings
- Monthly bank & card reconciliations
Delaware's Premier Cloud Financial Advisory
Breathe Easier. Build Stronger.
Your trusted partner for financial clarity, compliance, and sustainable growth. We pair experienced accounting specialists with modern cloud technology to lift administrative weight so you can lead with confidence.
55+
Financial Professionals
7 Yrs
Consecutive Inc. 5000
100%
Certified ProAdvisors
Nationwide
Cloud Remote Reach
Simplify. Optimize. Grow.
With Breakwater, you’re not just hiring accountants—you’re gaining strategic advisors who help you grow confidently. Our team of payroll, bookkeeping, and accounting experts based in Wilmington, DE excel at analyzing your numbers, streamlining your operations, handling paperwork, and guiding decisions every step of the way.
We provide tested and proven cloud-based accounting solutions tailored to your organization's exact scale. Whether you need daily transaction recording, payroll management, or executive controller oversight, we’ve got you covered—so you can focus on leading your mission.
Great People First
Technology enables efficiency, but deep relationships, empathy, and professional integrity drive meaningful financial leadership. Your assigned team acts as an authentic extension of your organization.
Technology Forward
We design seamless, paperless cloud ecosystems anchored by Intuit QuickBooks Online, Bill.com, Gusto, and Ramp—eliminating manual duplicate entries and securing your data.
Predictable Peace of Mind
Gain real-time visibility into your cash flow velocity, accurate month-end closes, and audit-ready workpapers. Never fly blind or face tax filing panic again.
Outsourced Accounting & Advisory Services
Tested and proven cloud-based accounting solutions in Wilmington and nationwide. Every engagement is structured around your operational velocity and reporting cadence.
Technology + Workflow
A back office with the right technology, fully audited and optimized.
- Cloud accounting stack evaluation
- Bill.com & paperless AP automation
- POS & bank feed integrations
- Custom SOP documentation & training
Controller Services
Rest assured, we’ll minimize risk, maximize accuracy, and guide decisions.
- Secondary month-end review & close
- Dual-authorization internal controls
- Budget vs. actual variance analysis
- Year-end CPA audit preparation
Financial Reporting
Get a clean and clear picture of what is going on behind your numbers.
- Comprehensive P&L & Balance Sheets
- Rolling 13-week cash flow forecasts
- Gross margin & unit economic metrics
- Board-ready executive presentations
QuickBooks Online ProAdvisors
Certified Intuit experts who configure, repair, and optimize your file.
- Desktop to Online sunset migrations
- 7-step triage for messy company files
- Chart of accounts restructuring
- Undeposited funds & equity cleanups
Tailored Solutions for Distinct Organizational Needs
Accounting is not one-size-fits-all. We organize dedicated, specialized client pods tailored to your industry standards, tax obligations, and fiduciary governance.
For-Profit Businesses
Commercial Enterprises & Scaling Startups
- Accelerate accounts receivable collection and improve DSO
- Real-time Gross Margin & Cost of Goods Sold (COGS) visibility
- Multi-state payroll tax compliance via Gusto and ADP
- Delaware Gross Receipts Tax & Franchise Tax annual filings
Non-Profit Organizations
501(c)(3) Foundations, Schools & Charities
- Strict segregation of Restricted vs. Unrestricted Net Assets
- Statement of Functional Expenses: Program, Admin, Fundraising
- Real-time grant budget tracking & SEFA schedule compliance
- Executive board packages & IRS Form 990 workpaper prep
Private Client Services
High-Net-Worth Individuals & Family Offices
- Multi-residence expense tracking and property bill processing
- Household & domestic employee payroll with tax withholdings
- Seamless collaboration with wealth managers and estate CPAs
- Discreet, confidential concierge cash outflow reporting
Client Spotlight
Hear From Others
“Breakwater understands our mission, our values and how we operate. They offer so much more than financial advice and accountability. They have changed entire systems, provided strategic thinking about how we can be better stewards of our money and even helped address HR and culture issues.”
“Breakwater brought order and complete financial clarity to our organization when we needed it most. Their ProAdvisor team is responsive, highly competent, and truly invested in our operational success.”
Frank Ruggerio
Commercial Client Partner
“For years, Breakwater has provided our team with flawless bookkeeping, proactive monthly controller reviews, and the strategic peace of mind needed to expand our operations.”
Melonie Fetterman
Executive Director
“Our volunteers used to work through vacations to balance Excel sheets. Breakwater automated our referee disbursements and coach payroll, giving our board total audit readiness.”
Amy Burg
Former Treasurer, Delaware Football Club
Frequently Asked Questions
Everything you need to know about partnering with Breakwater Accounting + Advisory.
What services does Breakwater offer?
Breakwater offers payroll support, bookkeeping, and financial strategy services tailored to your business’s needs. Our comprehensive suite spans daily transaction categorization, accounts payable and receivable management, QuickBooks Online ProAdvisor consulting, month-end controller reviews, and strategic financial reporting.
How does Breakwater customize solutions for businesses?
Breakwater customizes solutions by listening first to understand your business needs, assessing your technology readiness, and then creating a tailor-made program with the right people and systems. We never force rigid software formulas; our team designs an engagement scope matched to your transaction velocity and internal team capabilities.
What types of businesses does Breakwater serve?
Breakwater serves small to mid-sized businesses, including family-owned, non-profit, multi-location, and national companies. We also provide dedicated white-glove private client bookkeeping services for high-net-worth families, family offices, and executives.
What technology solutions does Breakwater provide?
Breakwater provides cloud-based accounting solutions and hand-picks software solutions to meet the specific needs of your business. We specialize in Intuit QuickBooks Online, Bill.com for automated accounts payable, Gusto and ADP for payroll and HR compliance, and Ramp/Expensify for expense management.
What is included in Breakwater's bookkeeping services?
Breakwater's bookkeeping services include accounts payable and receivable processing, payroll and payroll tax processing, transaction recording and classifying, and monthly bank reconciliations. We ensure every entry in your general ledger is verified, clean, and tax-ready.
How does Breakwater support financial reporting?
Breakwater offers financial reporting services including P+L and balance sheet review, analysis and guidance, cash flow outlook, budgeting, forecasting, and customized reports. Our reports translate raw ledger data into executive business intelligence so you understand the key drivers of your margins.
Can Breakwater work with businesses outside of Wilmington?
Yes, Breakwater offers advisory services nationwide, catering to businesses both in and outside of Wilmington. Through our secure cloud technology stack and remote collaboration tools, we support clients from coast to coast with the same high-touch attentiveness as our local Mid-Atlantic partners.
How does Breakwater ensure a business's needs are met?
Breakwater ensures a business's needs are met by offering tested and proven solutions, customizing services based on the business's unique requirements, and providing strategic advisory services. Every client is assigned a dedicated team tier including an Onboarding Captain, an Account Associate, and a Controller reviewer.
What’s New at Breakwater?
Practical financial guides, regulatory updates, and strategic insights curated by our team.
Ready to Breathe Easier and Build Stronger?
Schedule a complimentary 30-minute initial diagnostic call. We'll listen to your challenges, evaluate your accounting workflow, and design a customized financial roadmap.