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.

Learn More


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

Learn More


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

Learn More

Viewpoints Commentary

10 Ways To Not Sweat The Small Stuff (With Investing)

If you pay attention to the news, you can’t help but hear about how volatility has increased recently.  Overall, market temperatures have been so mild for so long, many newer investors have yet to weather a perfect market storm. Even if you have, you may have forgotten how challenging those times can be.

This worries us. Experience and evidence alike show us how severely bear markets test investor resolve.  We’ve also seen how damaging it can be to act on rash fear rather than rational resolve during market downturns.


Let’s be clear – we’re not saying that we think markets are about to go south.  But we do think that investors should be as informed and educated as possible.  So just as we prepare for other emergencies in life, here are 10 timely actions you can take when financial markets are tanking … and, frankly, even when they’re not. > SEE MORE

Thinking Differently About Investing

I can remember having that “light bulb moment” early in my career.  It was the late 90’s, and I was eager to find out what the “secret sauce” was that gave investors an edge.  I can remember analyzing the past performance of many, many money managers and continually discovering a common theme.  Those managers with better long-term track records proudly admitted that they paid less attention to shorter time frames.  They didn’t care what the stock market was going to do in any one, three, or even five year period.  Those who ended up with better returns than most of the other managers cared more about holding onto the stocks of businesses for longer periods of time and didn’t allow short-term volatility to get under their skin.



This is how it began to dawn on me: maybe it wasn’t important to try and figure out what the market was going to do, in order to be a successful investor.   > SEE MORE

Reminder: Headlines Are Framed to Frighten – Not Enlighten

If we’ve been doing our job as your fiduciary advisor, you might already be able to guess what our take is on the current market news: Unless your personal goals have changed, stay the course according to your personal plan.

Still, it never hurts to repeat this advice during periodic market downturns. We understand that thinking about scary markets isn’t the same as experiencing them.


So, what’s going on? Why have stock prices suddenly become volatile after such a long, lazy lull, with no obvious calamity to have set off the alarms?  While we could point out fears of inflation, interest rate movements, and other potential reasons, we can’t (and no one can) know for sure what exactly moves markets on any given day, and this does not inform us of what will happen next. > SEE MORE