We are Waypoint.

We are an independent, fee-only Registered Investment Advisor firm. We are on our clients’ side in a close, caring relationship filled with plain-spoken advice and experienced perspective. We help people move past financial conflicts and complexities to a place where they can gain peace of mind with their retirement and investment planning.


Through the years, we’ve been helping individuals and families find their financial way.

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We embrace evidence over emotions — because hopes and hunches are no way to prepare for financial freedom.

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We’re here for you: Advising you and your family, advancing your goals, enriching your relationships.

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Viewpoints Commentary

Factoring In “Intuition”

When we’re discussing our investment philosophy, we love to hear questions that open up more around why we invest the way we do. Because the reality is that most individual investors don’t really even have an investment philosophy beyond trying to get the best return.

Occasionally during these conversations, we talk about how we pursue “factors” of return that are persistent, pervasive, robust, implementable and intuitive. We wanted to briefly cover what these mean, and especially the one labeled “intuitive”.  How could intuition have anything to do with an investment philosophy?


First off, how do we define what we mean by a “factor” of return? > SEE MORE

Can You Relate To Any of The “Five Stages of Retirement”?

“Retirement is a journey with five distinct stages, and some people get stuck.  Understand them, know which stage you are in, and know how to move forward.”  -Alan Spector


I recently attended a conference where I had the privilege to hear from author Alan Spector.  He and his partners interviewed hundreds of retirees to discover what creates a fulfilling retirement and wrote a book (or a guide, really) to help others with this life transition.  It has numerous stories, exercises, and questions to assist with the non-financial, “life planning” aspect of retiring.  Since most of you (our clients) are in or nearing retirement, this is something that I have a deep interest in as well.  There are so many great takeaways and lessons the book provides, and I would highly encourage anyone interested to check it out (link here) and/or review their website (link here) to explore this for you or someone you know.


One of the enlightening sections of the book is the “Five Stages of Retirement.” I literally can see the faces of various clients across all stages when I read through these.  As I share these with you, see if you can identify yourself with one of these stages (borrowed from the book, with permission from Alan): > SEE MORE

If You Ever Needed More Evidence To Properly Diversify…

We’ve said it before.  There is nothing better than seeing a few concise, clear pictures that demonstrate (again) why as investors we follow the path we do.  Dimensional Fund Advisors (DFA) recently came out with a piece that may help you to remember what we absolutely believe to be true.  That is (in their words):

  • Returns can vary sharply from one period to another
  • Holding a broadly diversified portfolio can help smooth out the swings, and
  • Focusing on known drivers of higher expected returns can increase the potential for long-term success

Reminders like this can also help us to answer certain questions we should naturally have from time to time.  Questions such as “why would I continue to hold an investment that (in the short-term) has simply stunk?”  To understand this more, let’s first start by looking at US Stocks (S&P 500) in the first decade of the 21st century (2000-2009) versus the second (2010 until June 2019). Note that you can click on each image to see a larger view:


If you’re like me, you may be glad that US Stocks are held in portfolios in some way, given their run over the last ten years.  But what concerns me more is seeing that first decade (at left).  What if US stocks go through a long period of time like this, and you’re just beginning to take income now from your portfolio? > SEE MORE