Can a wealth advisor be the only person the brokerage speaks to?

Yes, where the client authorizes it in writing. The authorization names the advisor as the channel for instructions and documents, and the brokerage then deals with the client directly only where Florida law requires the client’s own signature or disclosure. Many advisors prefer this, and it protects the client from an inbox full of showing confirmations.

What does a private banker receive from the brokerage during a client’s purchase?

A memo on each property under serious consideration, the diligence summaries, notice of each point where money moves, the contract and its amendments, the closing statement, and after closing the title policy, deed and insurance binders in the approved names. The format follows the banker’s own file conventions rather than the brokerage’s.

Does BreakThru Realty share compensation with an advisor who introduces a client?

No. Florida license law limits referral compensation to licensed real estate brokers and sales associates, and federal settlement-service rules add their own prohibition on payments for referrals between a brokerage and lenders or closing agents. The advisor’s reward is a brokerage that reflects well on the recommendation, and nothing else changes hands.

What happens if two of an advisor’s clients want the same Florida property?

Each is told that a conflict exists, without the other being identified, and each decides whether to continue with the brokerage or with independent representation. Nothing learned in one file is used in the other, and the advisor is informed at the same moment so that the firm can apply its own conflicts policy as well.

Can the client’s private bank provide the mortgage on the purchase?

That is the client’s decision, and the bank is often the natural lender. Whoever lends, the client should consult a mortgage lender before the offer, because the appraisal, the documentation for an entity or trust borrower and the insurance binder follow the lender’s timetable, and the financing contingency in the contract has to be written around it.

Private Client · For Wealth Advisors

Real Estate Services for Wealth Advisors and Private Bankers

A brokerage that works inside your client relationship and reports to you

When a client tells their wealth advisor or private banker that they are thinking about a house in Florida, the advisor needs a brokerage that will not get between them and the client, will report in a form that fits the rest of the file, and will not surprise anyone with a fee. BreakThru Private Client is built to be that brokerage: it takes instructions from the people the client names, sends the documents the advisor needs to the advisor, and treats the relationship between the advisor and the client as the one that matters.

BreakThru Realty · Founder and Broker of Record: Tyson E. Sam, Florida License 3565210

Introduce a Client Privately · Our privacy standard

Inside Your Relationship, Not Beside It

An advisor who introduces a brokerage is lending it their credibility, and the brokerage’s first duty is not to spend it. BreakThru Realty does not approach the client about other services, does not add the client to any list, and does not contact the client directly when the advisor has asked to be the channel. Where the client prefers to deal with the brokerage directly, the advisor is copied on everything the client agrees to share. Each step of a purchase or sale that touches the client’s finances, from the deposit to the insurance to the closing statement, is flagged to the advisor before it happens rather than reported afterward.

Authority and Instructions

Florida law makes the client the principal and sets out the brokerage relationship in writing before the work starts. Before the brokerage acts on an advisor’s instruction it asks for a short authorization from the client that names who may instruct, who may receive documents, who may approve expenditure and who signs, and that authorization can be the advisor’s own form. Where a trust company or a family office holds a power of attorney, the title company will want to see it early, and the client’s attorney should confirm it covers a real estate transaction. That paperwork takes an afternoon and removes every later argument about who approved what.

What You Receive, and When

Advisors do not want listings; they want decisions prepared. For a purchase, that is a memo on each serious property with the price argument, the annual cost of holding it in words rather than a return claim, what diligence found and what the negotiation is likely to require. For a sale, it is the pricing analysis, the marketing choice and its trade-offs, and offers side by side. At closing, the settlement statement, the deed, the title policy and the insurance binders go to the advisor and the CPA in the names the client has approved, and after closing the management reports follow the same route if the brokerage is looking after the property.

Nothing Is Paid for the Introduction

An introduction from an advisor is not a paid referral arrangement, and it cannot be. Florida license law only lets a real estate brokerage pay referral compensation to licensed real estate brokers and sales associates, so BreakThru Realty does not pay referral fees to sports agents, managers, financial advisors, attorneys or any other unlicensed professional. Federal law also bars payments for referrals between settlement service providers, so no relationship with a mortgage lender, title company or closing agent involves any payment for sending business either way. What the advisor receives instead is a brokerage whose conduct reflects well on the person who recommended it, and the brokerage’s own compensation is set out in a written agreement the client and the advisor see before any property is shown or listed. If the advisor’s firm charges the client for overseeing the transaction, that is between them, and the brokerage asks only that it be disclosed so nobody is working from a different understanding.

Lending, Banking and the Closing Funds

Private bankers often want the purchase financed through their own institution, and that is the client’s choice to make. Where a loan is involved, the client should consult a mortgage lender early, whether that is the private bank or another lender, because the appraisal, the entity documentation and the insurance binder all follow the lender’s timetable and the contract’s financing contingency has to be drafted around it. Deposits are held by a Florida title company or the client’s attorney, closing funds move only after the instructions are confirmed by voice with a known person at the bank, and the advisor is told the amount and the timing before the wire is requested.

Conflicts, Handled in the Open

Two situations can create a conflict and both are disclosed at once. The first is when two clients introduced by the same advisor, or by different advisors, are interested in the same property; the brokerage tells each side that a conflict exists, without identifying the other, and lets each decide whether to continue. The second is when the brokerage already represents the seller of a property an advisor’s client wants; Florida’s transaction broker rules allow it with disclosure, and the advisor is told before any offer is discussed so the client can choose independent representation. Nothing learned in one client’s file is used in another’s.

Documentation to the Advisor

Everything the advisor’s own compliance function or the family office’s records need is produced as a matter of course, by secure link, in the names and entities the client has approved. Each document arrives when it is created rather than in a bundle at the end, so the advisor’s file is current at every stage and a question from the client can be answered from it without a call to the brokerage. The list below is the usual set; an advisor whose firm needs something else, such as a particular form of expense record or a signed acknowledgment of each instruction, need only say so at the start and it becomes part of the file.

The written brokerage agreement and the client’s authorization naming who may instruct and sign
The purchase or listing contract with every addendum, counteroffer and amendment
Inspection, survey, title and association reports, with a one-page summary of each
The closing statement, recorded deed, title policy and insurance binders
Management agreements, monthly statements and vendor records where the brokerage manages the property
A closing memorandum that records the decisions made, by whom and on what date

Our Privacy Standard

A confidentiality agreement before the first conversation: Ask and a mutual non-disclosure agreement comes to you or your representative before any detail is shared, and it covers everyone at the brokerage who works on the file.
Your name stays out of our marketing: BreakThru Realty does not use a client’s name, likeness, team or transaction in its advertising, social media, website or press, before or after closing, unless the client asks for it in writing.
Showings by appointment with verified buyers only: When you sell, your home is shown only to buyers whose identity and proof of funds or pre-approval have been checked, by appointment, with personal items and photographs put away beforehand.
Address withheld from internet display where the MLS allows: A seller can ask for a listing’s address to be kept off consumer websites within the rules of the multiple listing service, and for interior photographs to leave out anything personal.
One point of contact: A single named contact at the brokerage runs the file, so your details are not passed around an office.
We work through your people: If you would rather we deal with your agent, manager, business manager, attorney or family office, that is the channel we use, and nothing is sent anywhere else.
Documents by secure link, wires confirmed by phone: Files are shared by secure link rather than as open email attachments, and wiring instructions are always confirmed by a phone call to a known number before any money moves.

Introduce a Client Privately

Tell us what you need, the timing, and how you would like to be contacted: directly, or through your agent, manager, business manager or attorney. You do not need to give a client’s name to start, and a confidentiality agreement can come before any detail is shared.

Direct and confidential: (786) 914-1017 · sales@breakthrurealty.com

Questions We Are Asked

Can a wealth advisor be the only person the brokerage speaks to?: Yes, where the client authorizes it in writing. The authorization names the advisor as the channel for instructions and documents, and the brokerage then deals with the client directly only where Florida law requires the client’s own signature or disclosure. Many advisors prefer this, and it protects the client from an inbox full of showing confirmations.
What does a private banker receive from the brokerage during a client’s purchase?: A memo on each property under serious consideration, the diligence summaries, notice of each point where money moves, the contract and its amendments, the closing statement, and after closing the title policy, deed and insurance binders in the approved names. The format follows the banker’s own file conventions rather than the brokerage’s.
Does BreakThru Realty share compensation with an advisor who introduces a client?: No. Florida license law limits referral compensation to licensed real estate brokers and sales associates, and federal settlement-service rules add their own prohibition on payments for referrals between a brokerage and lenders or closing agents. The advisor’s reward is a brokerage that reflects well on the recommendation, and nothing else changes hands.
What happens if two of an advisor’s clients want the same Florida property?: Each is told that a conflict exists, without the other being identified, and each decides whether to continue with the brokerage or with independent representation. Nothing learned in one file is used in the other, and the advisor is informed at the same moment so that the firm can apply its own conflicts policy as well.
Can the client’s private bank provide the mortgage on the purchase?: That is the client’s decision, and the bank is often the natural lender. Whoever lends, the client should consult a mortgage lender before the offer, because the appraisal, the documentation for an entity or trust borrower and the insurance binder follow the lender’s timetable, and the financing contingency in the contract has to be written around it.

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