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

How Can “Sequence of Return” Help or Harm You?

Clearly, there is a lot to think about when planning for retirement. While we have a degree of control over many of the choices involved, there’s one big wild card called sequence risk.

Sequence risk is the risk that you’ll encounter negative investment returns in early retirement. This is an important consideration, because the random sequence – or order – in which you earn your returns early in retirement can have a significant impact on your lasting wealth. Simply put, a retirement portfolio that happens to experience positive returns early in retirement has a better chance to outlast an identical portfolio that must endure negative returns early in retirement (if withdrawal amounts are not adjusted) … even if their long-term rates of return end up the same.

Since nobody can predict which return sequence they’ll experience early in their retirement, every family should prepare for a range of possibilities with their retirement planning. > SEE MORE

What Has Historically Followed A Time Like This?

Having patience can be challenging when recent downturns have occurred. But the reality is that some of the biggest innovations (and opportunities) arise out of difficult times. And when it comes to investing, all we have is what those opportunities might bring us in the future. This is why investing can be hard when focusing on short-term movements for your long-term retirement plan.

We can’t go back in time and change the past, but we can return to the evidence, and review what has occurred each time.  And while not perfect or any guarantee, we can put the odds in our favor to grow over time.

Our partners at Dimensional put this visual together (below) showing how returns have averaged coming out of downturns of -10%, -20%, and -30%. Please take a look as a reminder of how having a longer-term outlook has helped investors in times like these – to not only stay on course but also to be confident in what can lie ahead.  > SEE MORE

How Is A Horror Movie Like The Economy And The Markets?

I am not a big fan of scary movies.  You know, the ones with the guy in the hockey mask or the girl with the head-spinning thing; that’s just not for me.  If I’m honest even just typing those words made me cringe at the memories of seeing those scenes.  But there’s an analogy going on between those films and the economy and the stock market.  Bear with me, and I’ll explain (hint: it’s not scary).

In those movies, there is a point in which you realize something really, really bad is about to happen.  It’s that “oh boy, this is going to be very terrifying” type of moment.  Physiologically, some people might experience an increase in heart rate, dryness of mouth, eyes watering or goosebumps.  The emotion known as fear is palpable, and we’re anticipating something but we have no idea what to expect.

Some would say (I can’t) that the best horror film keeps this feeling “alive” in you for as long as possible–drawing you in, and keeping you engaged and fearing the absolute worst.  Then there is that point that we’re let in.  We see the monster, or the face, or the ‘thing’ coming out of the TV and it’s in front of us.  It’s at this point that something begins to change.  It might be scary, but we know what we’re facing now–it’s in front of us, and there’s almost a sigh of relief as we begin to adapt to a new phase of the film.  Some might say “this isn’t really that bad” and the heart rate returns to a more normal pace and the goosebumps subside.  Things still need to be dealt with in the movie, but we at least know what we’re dealing with.

How are the economy and the stock market similar to this?  > SEE MORE