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

Many Eggs; Many Baskets: The Importance of Global Diversification

As we wrote about back in April (10 Ways To Not Sweat The Small Stuff With Investing), market volatility has once again picked up.  If you’re like most, this is a news story that will take your attention from time to time.  So with that said, we felt like it was a good time to underscore the perennial value of building – and maintaining – a globally diversified investment portfolio for achieving your greatest financial goals.



Global diversification is such a powerful antacid for when (not if!) we experience market turbulence, it’s why we’ve long recommended spreading your market risks:

  • According to your personal goals and risk tolerances
  • Between stock and bond markets
  • Among evidence-based sources of expected long-term returns
  • Around the world


In short, broad, global diversification never goes out of style. > SEE MORE

What Is The “Yield Curve”?

The yield curve is flattening (or growing steeper)! … Yield curve spreads are widening (or narrowing)! … The yield curve has inverted (or normalized)!

Headline-grabbing yield curve commentary somehow sounds important, doesn’t it? But what is a “yield curve” to begin with, and what does it have to do with you and your investments?


What’s THE Most Important Thing You Can Do To Prepare For Retirement?

I was thinking about this question while reading an article a client sent to me.  You can find the write-up here, and it’s a helpful “countdown to retirement” with many tips to consider as you approach retirement.  As I looked through the list and thought about covering these issues with our own clients over the years, the question came to mind: what is the most important financial planning step you can take to feel great about your retirement plan?

It’s really a tough question since there are a lot of important issues to consider when “taking the leap” away from a career that you’ve had for so many years.  Topics such as health insurance, do you have enough saved, are you invested properly, Social Security timing and others are obviously important to explore.  There’s also the softer part of the equation: how will you spend and enjoy your time?  Should you still work?  How will you miss the social aspect of working and contributing?

But if I were forced to answer, what would I say is the most important question?  That’s when I realized it’s the one that I have been recommending most lately when helping someone plan for retirement.  It’s this simple question: how much do you need to live on (and how sure are you of that?)?    > SEE MORE