Waypoint Financial Planning LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Waypoint Financial Planning LLC provides investment advisory and financial planning services to individuals, high-net-worth clients, and to trusts and estates across multiple states. Services include discretionary portfolio management, customized financial plans, and referrals to other professionals (for example, tax or legal specialists) as appropriate to a client’s situation.
The firm follows a primarily long-term, fundamental-analysis approach and builds diversified portfolios that favor low-cost mutual funds and ETFs while using active funds, individual stocks, or bonds when appropriate or requested by clients. Portfolio construction explicitly considers each client’s tax circumstances, time horizon, and risk tolerance, and the firm monitors accounts for rebalancing and for reasons such as tax-loss or gain harvesting and cash needs.
Noteworthy aspects of the firm include its solo-practitioner structure combined with a relatively small client roster but substantial assets under management, indicating higher-than-average asset concentration per client. The firm’s principal holds a CFP credential and long industry experience at a large financial services firm; the brochure also discloses that the adviser ceased facilitating cryptocurrency transactions, does not take custody of client assets, maintains a reciprocal business-continuity relationship with another advisory firm, and has informed clients of an intention to withdraw as an investment adviser in 2026.
Client services
Expertise
Fee options
Fixed fees for financial planning and consulting services; negotiable depending on complexity.
$0 - $500,000: 0.85% annually $500,001 - $2,000,000: 0.75% annually $2,000,001 - $3,000,000: 0.7% annually $3,000,001+: 0.5% annually
$300 per hour (3-hour minimum) for financial planning and consulting services.
Account minimum: $3,000 minimum annual fee Minimum fee: Minimum annual fee of $3,000.00 for new clients, although some clients may negotiate a different fee. Fee-only: Fee-only advisory firm; compensated solely by client fees; no commissions received.
Main office
Milford MA
Advisors at this office
1
Most active in
Massachusetts
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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