Gary Bergeron, CPWA®, CPM®, CRPS®, QPFC
Managing Director, Wealth Management,
Financial Advisor,
Senior Portfolio Management Director,
Corporate Retirement Director,
Family Wealth Advisor
Direct:
(207) 871-7315(207) 871-7315
Toll-Free:
(800) 442-6722(800) 442-6722
My Story and Services
Gary Bergeron is the founder and managing partner of The Breakwater Group. He works closely with successful individuals, families, and private business owners, helping them address life’s challenges so they may enjoy the financial freedom they deserve and leave the legacy they desire.
Gary’s client-focused process and outstanding service has earned him national recognition by Forbes as one of the “Best-in-State Wealth Advisors for Maine” in 2019, 2020, 2021, 2022, 2023, 2024 and 2025. Additionally, Gary is honored to be named to the 2024 and 2025 Barron's list of America's Top 1200 Financial Advisors: State by State.
A commitment to life-long learning and providing clients with the most modern strategies has allowed Gary to earn elite level credentials. His advanced studies at Yale University prepared him to become a Certified Private Wealth Advisor® (CPWA®), a designation that enables seasoned advisors to address the sophisticated needs of clients with a minimum net worth of $5 million. As a Family Wealth Advisor, Gary is among a small percentage of Morgan Stanley Financial Advisors recognized as having the skills needed to deliver comprehensive, family-centric wealth management. Additional advanced studies through The Academy of Certified Portfolio Managers and the University of Denver’s Hale School of Business awarded Gary the credential of Certified Portfolio Manager (CPM®), a designation focused on advanced valuation analysis, portfolio construction and risk management. He is also a Chartered Retirement Planning Specialist and Qualified Plan Financial Consultant, bringing sophisticated knowledge to the team’s corporate retirement plan work. Gary’s designations are indicative of the specialized knowledge and skills he brings to address the complex financial, interpersonal and multi-generational dynamics of successful families and private businesses.
Prior to joining Morgan Stanley, Gary was a business unit leader and strategic planner at LL Bean, a firm that is globally recognized for quality and service. He applies those deeply ingrained principles to his work with clients and to the overall mission of his team.
Gary graduated from Colby College with a bachelor’s degree in administrative science and a minor in economics. He was a scholar athlete, winning multiple academic awards, including the prestigious Wall Street Journal Award for the highest grade point average in the finance discipline. He was also the captain of the basketball team, helping to win two NESCAC championships.
Growing up in Derry, New Hampshire, Gary now lives in Yarmouth with his wife, Laura, and their two children, Henry and Annie. He is a current member and former President of the Board of the Boys and Girls Club of Southern Maine, a member of the Investment Committee for the Catholic Foundation of Maine and the Gould Academy, and is a founding member and past Treasurer of the Yarmouth Education Foundation. Time away from work generally finds Gary on a bike, in a boat, in a river, or on a mountain with family, clients or friends, or simply relaxing with a good book.
2025, 2024, 2023, 2022, 2021, 2020, 2019 Forbes Best In-State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC
based 12-month time period concluding in June of year prior to the issuance of the award.
2025, 2024 Barron’s Top 1,200 Financial Advisors State-by-State
Source: Barrons.com (Awarded Mar 2024, 2025). Data compiled by Barron’s for the period Oct 2023-Sept 2024.
For Ranking Criteria and Methodology please see disclaimer section.
Gary’s client-focused process and outstanding service has earned him national recognition by Forbes as one of the “Best-in-State Wealth Advisors for Maine” in 2019, 2020, 2021, 2022, 2023, 2024 and 2025. Additionally, Gary is honored to be named to the 2024 and 2025 Barron's list of America's Top 1200 Financial Advisors: State by State.
A commitment to life-long learning and providing clients with the most modern strategies has allowed Gary to earn elite level credentials. His advanced studies at Yale University prepared him to become a Certified Private Wealth Advisor® (CPWA®), a designation that enables seasoned advisors to address the sophisticated needs of clients with a minimum net worth of $5 million. As a Family Wealth Advisor, Gary is among a small percentage of Morgan Stanley Financial Advisors recognized as having the skills needed to deliver comprehensive, family-centric wealth management. Additional advanced studies through The Academy of Certified Portfolio Managers and the University of Denver’s Hale School of Business awarded Gary the credential of Certified Portfolio Manager (CPM®), a designation focused on advanced valuation analysis, portfolio construction and risk management. He is also a Chartered Retirement Planning Specialist and Qualified Plan Financial Consultant, bringing sophisticated knowledge to the team’s corporate retirement plan work. Gary’s designations are indicative of the specialized knowledge and skills he brings to address the complex financial, interpersonal and multi-generational dynamics of successful families and private businesses.
Prior to joining Morgan Stanley, Gary was a business unit leader and strategic planner at LL Bean, a firm that is globally recognized for quality and service. He applies those deeply ingrained principles to his work with clients and to the overall mission of his team.
Gary graduated from Colby College with a bachelor’s degree in administrative science and a minor in economics. He was a scholar athlete, winning multiple academic awards, including the prestigious Wall Street Journal Award for the highest grade point average in the finance discipline. He was also the captain of the basketball team, helping to win two NESCAC championships.
Growing up in Derry, New Hampshire, Gary now lives in Yarmouth with his wife, Laura, and their two children, Henry and Annie. He is a current member and former President of the Board of the Boys and Girls Club of Southern Maine, a member of the Investment Committee for the Catholic Foundation of Maine and the Gould Academy, and is a founding member and past Treasurer of the Yarmouth Education Foundation. Time away from work generally finds Gary on a bike, in a boat, in a river, or on a mountain with family, clients or friends, or simply relaxing with a good book.
2025, 2024, 2023, 2022, 2021, 2020, 2019 Forbes Best In-State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC
based 12-month time period concluding in June of year prior to the issuance of the award.
2025, 2024 Barron’s Top 1,200 Financial Advisors State-by-State
Source: Barrons.com (Awarded Mar 2024, 2025). Data compiled by Barron’s for the period Oct 2023-Sept 2024.
For Ranking Criteria and Methodology please see disclaimer section.
Securities Agent: MD, FL, CO, IN, DC, NC, CA, NY, NH, MI, MA, GA, VT, UT, TX, SD, RI, IL, CT, SC, VA, HI, NJ, ID, DE, ME, AZ, WA, NM, PA, OR, OH, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1409802
NMLS#: 1409802
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
100 Middle St
3rd Fl
Portland, ME 04101
US
Direct:
(207) 871-7315(207) 871-7315
Toll-Free:
(800) 442-6722(800) 442-6722
Fax:
(207) 771-0870(207) 771-0870
Wealth Management
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Ready to start a conversation? Contact Gary Bergeron today.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
