Waypoints Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$155,319,930
Clients
428
Advisors
3
of 3 employees
About
Waypoints Financial provides discretionary portfolio management and standalone financial planning to individuals (including high‑net‑worth clients), as well as trusts, estates, charitable organizations, banks, and business entities. Services include ongoing investment management via a bundled wrap fee program and written financial plans addressing cash flow, retirement, insurance, education savings, and estate considerations.
As sponsor and sole portfolio manager of its wrap fee program, the firm tailors diversified portfolios using fundamental, technical, and cyclical analysis and conducts ongoing monitoring and periodic formal reviews. Investment implementations may include a broad set of strategies — long‑ and short‑term trading, covered option writing, short sales, and margin/borrowing in client accounts — with execution and custody handled through a qualified custodian.
Compared with many peers, Waypoints is distinctive in operating and sponsoring its own wrap fee program rather than relying on outside managers and in expressly disclosing the use of borrowing/margin in managed accounts, a relatively uncommon practice among supported firms. The firm also discloses a 2018 consent order with a state regulator addressing ADV amendments and capitalization matters, which is a documented regulatory history item prospective clients may consider.
Client services
Expertise
Fee options
Up to $10,000 for broad-based financial planning services, negotiable
Up to $300 per hour, negotiated and agreed upon in advance
Main office
149 East Center Avenue
Sebring FL 33870
Advisors at this office
3
Most active in
Florida · Texas
Also doing business as
Waypoints Financial · Waypoints Financial, LLC
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.
Advisors at this firm
Victor D
Series 63, Series 65
Sebring, FL
Waypoints Financial
Victor Divietro is a financial advisor with Waypoints Financial in Sebring, FL, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Waypoints Financial since 2009 and previously spent six years with Wfg Investments Inc. Outside of advising, he manages two commercial real estate entities related to office space and property holdings. Waypoints Financial is an SEC-registered investment adviser serving individuals, trusts, estates, charitable organizations, banks, and business entities. The firm offers discretionary portfolio management and standalone financial planning, employing fundamental, technical, and cyclical analysis with a range of strategies including borrowing and margin use, and sponsors its own wrap fee program.
Thomas C
Series 63, Series 65
Sebring, FL
Waypoints Financial
Thomas Crutchfield is a financial advisor at Waypoints Financial with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at WFG Investments Inc. from 2011 to 2017 before joining Waypoints Financial in 2009. Outside of advising, he serves on the board of Crutchfield Groves, Inc., a holding company for owner-financed properties. Waypoints Financial is an SEC-registered investment adviser serving individuals, trusts, estates, charitable organizations, banks, and business entities. The firm offers discretionary portfolio management and standalone financial planning, using fundamental, technical, and cyclical analysis with a range of strategies, including long- and short-term equity positions and margin borrowing.
John C
CFP®, Series 63, Series 65
Sebring, FL
Waypoints Financial
John Clark is a CFP® with 34 years of industry experience and is currently a financial advisor at Waypoints Financial in Sebring, FL. He previously worked at Wfg Investments Inc from 2011 to 2017. Outside of his advisory role, Clark owns and operates a cattle ranch in Sebring, Florida. Waypoints Financial is an SEC-registered investment adviser serving individuals, trusts, estates, charitable organizations, banks, and business entities. The firm offers discretionary portfolio management and standalone financial planning, utilizing fundamental, technical, and cyclical analysis and employing a range of strategies including the use of borrowing and margin where appropriate.
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