{"url":"https://nivawealth.com/firms/waypoints-financial-157494","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/157494","regulatoryAum":157721041,"crd":"157494","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2139449","suffix":null,"lastName":"CLARK","firstName":"JOHN","middleName":"RICHARD"},{"crd":"2846546","suffix":null,"lastName":"CRUTCHFIELD","firstName":"THOMAS","middleName":"SCOTT"},{"crd":"2652020","suffix":null,"lastName":"DIVIETRO","firstName":"VICTOR","middleName":"JASON"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2024-06-18","regulatoryAum":114692729,"clients":427,"employees":6,"offices":1},{"filedOn":"2025-02-27","regulatoryAum":133678395,"clients":398,"employees":3,"offices":1},{"filedOn":"2026-03-19","regulatoryAum":157721041,"clients":430,"employees":3,"offices":1}],"secFileNumber":"801-130707","legalName":"Waypoints 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BROCHURE","fee_rate_low":null,"fee_rate_high":1.6,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Stand-alone financial planning","summary":"Stand-alone financial planning is a fixed fee of up to $10,000 or an hourly fee of up to $300 per hour, agreed in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021909","versionId":1021909,"submittedOn":"2026-03-19","documentName":"WAYPOINTS FORM ADV PART 2 BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T14:19:55.286556+00:00","documents":[{"name":"WAYPOINTS FORM ADV PART 2 BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021909","versionId":1021909,"submittedOn":"2026-03-19"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":157721041}],"custodyNote":"Waypoints Financial has custody of $82.7M in client assets for 176 clients.","otherCustodians":[],"leadership":[{"name":"John Clark","title":"Managing Member and CCO","crd":"2139449"},{"name":"Thomas Crutchfield","title":"Managing Member","crd":"2846546"},{"name":"Victor Divietro","title":"Managing Member","crd":"2652020"}],"ownership":[{"label":"John Clark","detail":"Managing member and cco in the 25% to 50% ownership band and a control person, since March 2009."},{"label":"Thomas Crutchfield","detail":"Managing member in the 25% to 50% ownership band and a control person, since March 2009."},{"label":"Victor Divietro","detail":"Managing member in the 25% to 50% ownership band and a control person, since March 2009."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Florida","offices":1,"addresses":[{"street":"149 East Center Avenue","city":"Sebring","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"863-402-5650","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":27},{"label":"U.S. government/agency bonds","percent":3},{"label":"Securities issued by registered investment companies or business development companies","percent":35},{"label":"Cash and cash equivalents","percent":35}],"privateFunds":0},"sources":{"adv1FilingDate":"19 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/157494/PDF/157494.pdf","brochureDate":"19 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021909","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Waypoints Financial have?","answer":"Waypoints Financial has 430 clients and manages $158 million for them, as of March 2026. They include 396 individual clients, 32 high-net-worth individuals and 2 charitable organizations.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 19 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Waypoints Financial offer?","answer":"Waypoints Financial provides financial planning, portfolio management for individuals and small businesses, and pension consulting.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Waypoints Financial charge?","answer":"Waypoints Financial charges up to 1.60% a year for its Waypoints Wrap Fee Program. The fee is billed in arrears and is negotiable.","source":"WAYPOINTS FORM ADV PART 2 BROCHURE, filed 19 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Waypoints Financial use?","answer":"Waypoints Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $158M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 19 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Waypoints Financial have?","answer":"Waypoints Financial has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Waypoints Financial invest in?","answer":"At the end of its last fiscal year, Waypoints Financial’s separately managed accounts held 35% registered funds (mutual funds, ETFs, BDCs), 35% cash and equivalents, 27% exchange-traded equities and 3% U.S. government and agency bonds.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Waypoints Financial?","answer":"Waypoints Financial’s direct owners are John Clark, Thomas Crutchfield and Victor Divietro, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 19 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Waypoints Financial get paid?","answer":"Waypoints Financial is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Waypoints Financial?","answer":"Waypoints Financial’s main office is at 149 East Center Avenue, Sebring, FL 33870. Its phone number is 863-402-5650. Its website is waypointsfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 19 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}