Waypoint Financial Planning LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$61,270,795
Clients
37
49% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
37
HighAverage account size
$1,655,967
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
Financial planning
Portfolio management
Expertise
General retirement planning
Wealth management
Passive / index investing
Active portfolio management
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 location
Waypoint Financial Planning LLC
Milford MA, United States
Number of offices
1
Most active in
Waypoint Financial Planning LLC has reported serving >5 clients in these states in the last 12 months.
Massachusetts
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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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