Our Process

Here at Waypoint Financial we pride ourselves on the long-term relationships we’ve built with our clients. Because our relationships are measured in years, we find that the Wealth Management Process is a never-ending cycle.

When we meet with potential clients, we are often asked, "What is your Process?" This page aims to provide the answer. There is a system to our practice, and when managing our clients’ assets, we adhere to it.

Below, you will find a brief overview of our six-step process.

1. Establish Client-Advisor Relationship - Are We A Good Fit?
   The goal here is for us to get to know you and to determine if we are a good fit work together on your planning. We will ask you for relevant financial data, assess your risk tolerance, and determine your financial goals and needs. All future decisions in the wealth management process will stem from this information. 
    
2. Gather Data - What Is Our Destination?
   We will identify your principal needs and work with you to prioritize both short- and long-term goals.
    
3. Analyze Current Positions - Where Are We Now?
   In an "observations meeting," we will assess your current accounts and policies, looking closely for gaps or inconsistencies. 
    
4. Present an Action Plan - What Is The Best Course?
   Depending on your situation, we will draft a financial plan that may include an Investment Strategy/Strategies, a thorough Retirement/Retirement Income plan, or a Detailed Action Plan.
    
5. Implement Plan - Chart The Course.
   At this stage, we will make the investment decisions on a product level: Which mutual funds should you buy? Which insurance policy is best for you? What sort of annuity fits best with your situation? 
    
6. Ongoing Review and Reporting - Stay On Course.
   The final step in the wealth management process involves the ongoing monitoring of your portfolio. As time goes on, we will ensure that your assets remain diversified and that your objectives stay on track. Diversification does not assure a profit or protect against a loss in declining markets.

1. We will teach as we go and answer all of your questions throughout the process.
2. We will think of your needs rather than our own and operate with the highest level of integrity.
3. We will do whatever it takes to help you and your family pursue your financial goals.

1. There is no such thing as a stupid question. If you don’t understand something, please stop us so we can clarify and get you up to speed.
2. We will never pressure you into a decision. If you want to weigh your decision for a week, month or year, we’ll be here waiting for you.
3. Before any of your money is invested, we will discuss all the risks, costs and benefits so you can make an informed decision.

This is your life and your money. We may challenge your thinking, but in the end, it is your money and your decision on how to invest and plan for your future.