menu Previous Slide ◀︎ Next Slide ▶︎ Set Your Course for Independence We strive to serve our clients during the financial planning process through deep and meaningful relationships that last for generations. Learn More Why Waypoints? A “waypoint” is defined as an interim point on a route or line of travel. In navigation a series of "waypoints" are entered to set a course that is used to guide a vessel to its final and desired destination. At Waypoints Financial we understand that each client has unique goals and circumstances. Our objectives are to listen, strive to understand and ultimately chart a course designed to guide our client on their preferred journey. Learn More Our Services Investments Through developing a personalized investment strategy, diversification, and avoiding short-term distractions, we aim to help create and preserve your wealth so you reach your financial goals. Insurance If there’s one thing certain about life – it’s the uncertainty that living it brings. The best laid plans can sometimes come to naught! Even though you may think you’ve covered all the bases, life sometimes has a funny way of throwing you a curveball when you least expect it. Retirement Planning Retirement planning shouldn’t start at retirement; it should start well before. We take a long-term view of your financial wellbeing to help create a life after work that is as well-planned as your life while working. Managing Your Finances Whether it’s owning your own home, funding your children’s education, or creating a stress-free retirement, a financial plan is considered vital in working towards your goals. A well-grounded and effective plan goes beyond the realm of saving, budgeting, and investing. Asset Allocation You and your family (partner, spouse) work hard to accumulate assets over a lifetime. The hope is that, when the time comes for you to leverage those assets, they’ll be there for you to benefit from. Asset Allocation service is all about helping you allocate YOUR financial assets using a prudent and conscientious approach. Business Succession Planning When entrepreneurs start a business, the last thing on their minds is succession planning. Most business owners spend a lot of time – as they should – on Operations Plans, Marketing Plans, Capital-spending Plans, Maintenance Planning, Staffing Plans…and more. Charitable Giving Everyone has their own reason for gifting their assets or a portion of their income to charitable organizations. Some find comfort in helping others who are less fortunate, while others simply want to share their good fortune. Our Team John R ClarkCFP® President jrclark@waypointsfinancial.com Scott Crutchfield Senior Vice President scrutchfield@waypointsfinancial.com Victor J Divietro Senior Vice President vdivietro@waypointsfinancial.com Linda Connelly Client Service Associate linda@waypointsfinancial.com Kara Dennison Client Service Associate kdennison@waypointsfinancial.com Want to Learn More? Give Us a Call or Message Us! Contact Us Blogs The Risk of Reverse Dollar-Cost Averaging for Retirees Waypoints Financial | Mar 1, 2021 Retirement Investments What exactly is dollar-cost averaging? And how can reverse dollar-cost averaging be risky to those who live on a fixed income? Common Investor Biases and How They Can Impact Your Finances Waypoints Financial | Feb 1, 2021 Investments Finance No matter how you invest, you may have biases that are impacting your decisions. Are you affected by one of these common biases? Financial Management for Couples: When a Spender and a Saver Fall in Love Waypoints Financial | Jan 4, 2021 Finance Couples Family Lifestyle Relationships can be filled with tricky financial situations. Here are some tips on navigating money management as a team. Office 2478 US Highway 27 N Sebring FL 33870 Contact Info P: 863-402-5650 F: 863-402-5651 TF: 866-373-7191 E: jrclark@waypointsfinancial.com E: scrutchfield@waypointsfinancial.com E: vdivietro@waypointsfinancial.com E: linda@waypointsfinancial.com E: kdennison@waypointsfinancial.com Get in Touch You must have JavaScript enabled to use this form. Your name This field is required. Your email address This field is required. Subject This field is required. Message This field is required. Financial Advisors do not provide specific tax/legal advice and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation. Separate from the financial plan and our role as a financial planner, we may recommend the purchase of specific investment or insurance products or account. These product recommendations are not part of the financial plan and you are under no obligation to follow them. Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods. © 2021 Waypoints Financial All rights reserved.