How We Do It

At Waypoint Financial Planning, we prioritize your unique financial goals and needs.

• Fee-Based Planning:
  • We begin with planning, and there is a reasonable fee for that.
  • Other firms may use a "free plan" as a self-serving strategy to steer you into costly investment solutions.
  • They often may recommend purchases from a limited suite of commissioned insurance products like life insurance and annuities.
• Collaborative Planning Process:
  • We engage deeply with you in the financial plan design process.
  • Use the plan and projections as our roadmap for advice.
  • Evaluate different scenarios and financial solutions together.
  • Model the impacts of alternative solutions on the plan.
  • Enable you to make clear and effective decisions about the best options for you.
• Evaluating Scenarios:
  • Review different scenarios such as retiring earlier or later.
  • Assess various spending plans.
  • Plan for major expenses like travel, weddings, or gifts over time.
• Implementation Flexibility:
  • Many clients implement plans with us after evaluating proposals, but it's not required.
  • Our philosophy is to offer options that suit your best interest.
  • You implement solutions where you identify the best fit for your purposes.
  • We're equipped to recommend, implement, and service your needs long-term.
  • The decisions are always yours to make.
  • We aim for a real relationship with you and your loved ones.
• Integrated Financial and Tax Advice:
  • We offer seamless integration of financial planning and tax advice.
  • Many competitors don't offer tax advice, and their tax advisors don't provide investment strategy.
  • This is especially challenging for Roth conversions and income distribution strategies.
  • Our comprehensive approach helps ensure that your investment strategies and tax considerations work hand-in-hand.
  • Provide cohesive and coordinated guidance that truly puts your best interests first.