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Fee-only adviser · Sebring, FL

Waypoints Financial

From SEC and state Form ADV filingsUpdated 2026-11-07

Waypoints Financial is a fee-only investment adviser registered with the U.S. Securities and Exchange Commission, with its main office in Sebring, Florida. On its latest Form ADV, filed March 19, 2026, it reports $158M in regulatory assets under management, 428 individual clients and 3 employees who give investment advice. It reports no commission compensation, is not registered as a broker-dealer and does not act as an insurance agent.

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Key facts from Form ADV

RegistrationSEC-registered
Firm CRD number157494 · SEC file 801-130707
Office149 East Center Avenue
Sebring, FL 33870
Phone(863) 402-5650
Websitewww.waypointsfinancial.com
Regulatory assets under management$158M
Individual clients396 non-high-net-worth, 32 high-net-worth
Financial planning clients0
How it chargesPercentage of assets, Hourly, Fixed fee
ServicesFinancial planning, Portfolio management, Pension consulting
Employees3
Disciplinary disclosuresNone reported
Latest Form ADV filingMarch 19, 2026

Source: the firm’s Form ADV Part 1A as published by the SEC’s Investment Adviser Public Disclosure database, data as of November 6, 2026. Figures are self-reported by the firm.

What this means for you

  • It offers hourly or fixed-fee arrangements, so you may be able to pay for a plan without handing over your investments.
  • It also charges a percentage of assets managed for ongoing investment management.
  • Most of its individual clients are not high-net-worth, so it is likely to work with people who are still building assets.
  • It provides financial planning services, not only portfolio management.
  • It sponsors or manages a wrap fee program; ask what the bundled fee covers.
  • It reports no disciplinary history on Form ADV.

Before you hire any adviser

Read the firm’s Form ADV Part 2 brochure on its SEC record: it sets out fees, minimums, conflicts of interest and who will manage your money. Ask whether the firm acts as a fiduciary for all of your accounts, how it is paid in total, and who holds your assets. Our guide to choosing a financial adviser lists the questions to ask.

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