Waypoints Blog

​way·point /wāˌpoint/
noun; plural noun: waypoints

  • a stopping place on a journey.
  • an endpoint of the leg of a course.


Are Advisory Fees Tax Deductible?

It’s tax season again, and a question we get from a number of clients after receiving their year-end statements is, “Are my investment advisory fees tax deductible?” And the answer is an equivocal, “It depends.”

Making “Simple” Easier

Most things in life are simple.  They’re just not always easy.

Take losing weight, for example.   Most of us only have to eat less and we’ll lose weight.  Simple?  Absolutely!  Easy?  If it were, the rate of US obesity wouldn’t be so high.

Retirement Income Planning Requires Realistic Spending Assumptions

If you have read any literature on retirement planning or have received advice from a financial professional, chances are you were presented with the 70% rule, the one that suggests that retirees will need between 70 and 80% of their pre-retirement income in order to maintain their standard of living.

How is Your Advisor Compensated (and Does it Matter)?

Let’s say you haven’t been feeling well, so you visit your doctor.  You describe your symptoms; he examines a few things, runs a test or two and determines that you have a case of Feelingterribleness (not an actual disease).  He writes a prescription for a two-week supply of Beachitara (also not real).  You’ve never tried it before, but you recall the TV ads wit

Providing Cash Flow During Retirement

Accumulating (which is what we’re all taught—hopefully) a retirement nest egg is relatively easy.  It’s almost a little boring.  You determine how much money you need to have at retirement and start investing it.  Hopefully, you also learn to behave properly so you can make the most out of your investment portfolio during that accumulating stage.  (

How Much Does $1,000,000 Cost?

Our retirement income will be based on an amount that we need to accumulate, just as we might accumulate an amount for a car or a home.  Here are a few different approaches, which all share the following assumptions:

The Keys to Building Wealth

The lessons learned from the financial crisis is that wealth can be fleeting. However, wealth creation always has been, and still is a process grounded in sound principles and practices that, when applied with discipline and patience, is possible for most people who can understand and embrace the keys to building wealth.

Clearly Define Your Wealth Ambition

Welcome to Waypoints

Welcome to our blog!  As the name “Waypoints” implies, every day we make stopping points that are part of our overall life journey.  We are fond of saying that financial planning is a process, not an event.  We hope this blog can give ongoing direction for whatever financial waypoint you may find yourself at.  Our goals for this blog are to:

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