{
  "crd_number": 157494,
  "slug": "waypoints-financial-sebring-fl-157494",
  "primary_business_name": "WAYPOINTS FINANCIAL",
  "legal_name": "WAYPOINTS FINANCIAL, LLC",
  "dbas": [],
  "city": "Sebring",
  "state": "FL",
  "country": "United States",
  "cbsa_code": "42700",
  "metro": {
    "cbsa_code": "42700",
    "common_name": "Sebring",
    "msa_name": "Sebring, FL",
    "path": "/advisors/fl/sebring"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2024-07-19",
  "years_registered": 2,
  "period": "2026-10-01",
  "filing_date": "2026-03-19",
  "carried_forward": false,
  "raum_total": 157721041.0,
  "raum_discretionary": 157721041.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 3,
  "advisory_employees": 3,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "other": {
      "raum": 0.0,
      "count": 0
    },
    "charitable": {
      "raum": 2401111.0,
      "count": 2,
      "fewer_than_5": true
    },
    "individuals": {
      "raum": 56736089.0,
      "count": 396
    },
    "banking_thrift": {
      "raum": 0.0,
      "count": 0
    },
    "state_municipal": {
      "raum": 0.0,
      "count": 0
    },
    "insurance_companies": {
      "raum": 0.0,
      "count": 0
    },
    "investment_companies": {
      "raum": 0.0,
      "count": 0
    },
    "pension_profit_sharing": {
      "raum": 0.0,
      "count": 0
    },
    "other_investment_advisers": {
      "raum": 0.0,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 98583841.0,
      "count": 32
    },
    "pooled_investment_vehicles": {
      "raum": 0.0,
      "count": 0
    },
    "corporations_other_businesses": {
      "raum": 0.0,
      "count": 0
    },
    "business_development_companies": {
      "raum": 0.0,
      "count": 0
    },
    "sovereign_wealth_foreign_official": {
      "raum": 0.0,
      "count": 0
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "pension_consulting",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": true,
  "disclosure_yes_count": 2,
  "states_registered": [
    "FL",
    "TX"
  ],
  "websites": [
    "https://waypointsfinancial.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/157494",
  "disclosure_items": [
    {
      "item": "11.D(2)",
      "question": "Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate was involved in a violation of investment-related regulations or statutes?"
    },
    {
      "item": "11.D(4)",
      "question": "In the past ten years, has another federal regulator, a state regulator, or a foreign financial regulator entered an order against the firm or an advisory affiliate in connection with investment-related activity?"
    }
  ],
  "city_as_filed": "SEBRING",
  "url": "https://advisorcensus.com/firm/waypoints-financial-sebring-fl-157494",
  "display_name": "Waypoints Financial",
  "summary": "Waypoints Financial is an SEC-registered investment advisory firm in Sebring, FL, registered since 2024, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 19, 2026.",
  "citation": "AdvisorCensus. Waypoints Financial (CRD 157494): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Pension consulting services"
  ],
  "quick_answers": [
    {
      "q": "How is Waypoints Financial compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Waypoints Financial reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Waypoints Financial charge?",
      "a": "Its Form ADV Part 2A brochure dated March 19, 2026 states: Flat fee: up to $10,000 (broad based financial planning services); Hourly rate: up to $300 an hour (financial planning advice). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Waypoints Financial located?",
      "a": "Waypoints Financial's principal office is in Sebring, FL, according to its Form ADV."
    },
    {
      "q": "Is Waypoints Financial registered with the SEC or a state?",
      "a": "Waypoints Financial is an SEC-registered investment advisory firm, registered since 2024. Status as filed: Approved. CRD 157494."
    },
    {
      "q": "How much does Waypoints Financial manage?",
      "a": "Waypoints Financial reports $157,721,041 in regulatory assets under management in its Form ADV filing dated March 19, 2026 (100% discretionary)."
    },
    {
      "q": "How have Waypoints Financial's assets and staff changed since 2024?",
      "a": "In the Form ADV data for Waypoints Financial: Regulatory assets under management: $114,692,729 in the October 2024 data and $157,721,041 in the October 2026 data, up 38%. Total employees: 6 in October 2024 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Waypoints Financial serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (396); high net worth individuals (32); charitable organizations (2)."
    },
    {
      "q": "Which custodians does Waypoints Financial use?",
      "a": "Waypoints Financial's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Waypoints Financial report any disciplinary disclosures?",
      "a": "Reports 2 disclosure items on Form ADV Item 11: yes answers to 11.D(2) (another regulator's finding of a violation) and 11.D(4) (another regulator's order in the past ten years). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/157494"
    },
    {
      "q": "Does Waypoints Financial state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated March 19, 2026 says: \"Waypoints does not require a minimum investment to establish an advisory relationship.\""
    },
    {
      "q": "What changed in Waypoints Financial's recent Form ADV filings?",
      "a": "In the April 2026 filing data: Regulatory assets under management went from $133,678,395 to $157,721,041 (+18%)."
    }
  ],
  "filing_history": [
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 114692729.0,
      "total_employees": 6,
      "filing_date": "2024-08-16"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 133678395.0,
      "total_employees": 3,
      "filing_date": "2025-02-27"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 157721041.0,
      "total_employees": 3,
      "filing_date": "2026-03-19"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Regulatory assets under management went from $133,678,395 to $157,721,041 (+18%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 19, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "None",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Flat fee: up to $10,000 (broad based financial planning services)",
      "Hourly rate: up to $300 an hour (financial planning advice)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "Waypoints does not require a minimum investment to establish an advisory relationship."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: up to $10,000 (broad based financial planning services)"
        ],
        "quotes": [
          "Waypoints Financial charges a fixed fee of up to $10,000 for broad based financial planning services as contracted in advance with the client."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: up to $300 an hour (financial planning advice)"
        ],
        "quotes": [
          "Some clients will contract to have financial planning advice provided based on an hourly fee of up to $300 per hour, depending on the nature of the services provided"
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 0.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "flat",
          "amount": null,
          "min": null,
          "max": 10000.0,
          "period": "one_time",
          "service": "broad based financial planning services"
        },
        {
          "kind": "hourly",
          "amount": null,
          "min": null,
          "max": 300.0,
          "period": "hour",
          "service": "financial planning advice"
        }
      ]
    },
    "quotes": [
      "Waypoints does not require a minimum investment to establish an advisory relationship.",
      "Waypoints Financial charges a fixed fee of up to $10,000 for broad based financial planning services as contracted in advance with the client.",
      "Some clients will contract to have financial planning advice provided based on an hourly fee of up to $300 per hour, depending on the nature of the services provided"
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.",
  "markdown_url": "https://advisorcensus.com/firm/waypoints-financial-sebring-fl-157494.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 396,
      "fewer_than_5": false,
      "raum": 56736089.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 32,
      "fewer_than_5": false,
      "raum": 98583841.0
    },
    {
      "type": "banking_thrift",
      "label": "Banking or thrift institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "investment_companies",
      "label": "Investment companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "business_development_companies",
      "label": "Business development companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pooled_investment_vehicles",
      "label": "Pooled investment vehicles (other than investment companies and business development companies)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 2,
      "fewer_than_5": true,
      "raum": 2401111.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other_investment_advisers",
      "label": "Other investment advisers",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "insurance_companies",
      "label": "Insurance companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "sovereign_wealth_foreign_official",
      "label": "Sovereign wealth funds and foreign official institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other",
      "label": "Other",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    }
  ],
  "disclosure_line": "Reports 2 disclosure items on Form ADV Item 11.",
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/157494",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}