Independent wealth management for families and business owners in Central Virginia. Waypoint provides holistic financial planning, serving as a partner and guide to our clients through every step of their journey.
Waypoint is an independent firm founded by Brandon Smith, who has planned for families in Central Virginia since 2015. Your CPA, your attorney, your custodians, and your insurance carriers all orient to one plan. We hold it, so you make one call, not five.
Most of our clients arrive in one of these situations. See which one is yours.
Kids at home, parents to look after, and retirement getting closer. One plan for all of it.
Learn more about Parents with aging parentsWhich account to draw from, when to take Social Security, and someone who picks up the phone.
Learn more about RetireesSuccession, buy-sell, key-person coverage, and the exit, coordinated by one team.
Learn more about Business ownersEquity comp, deferred comp, and a surprising tax bill. The income, not the time to manage it.
Learn more about Corporate executivesGood income, a mortgage, kids, and no plan yet. Get organized before it gets complicated.
Learn more about Young families
Estate work runs into insurance. Insurance runs into tax. You'll never experience these as seven unrelated disciplines, because we don't let them be.
We partner with the professionals in your circle to guide your wealth strategy.
Our clients are at the center of everything we do.
A short guide to what goes wrong when your CPA, attorney, and advisor never talk, and what to do about it. Free, no obligation.
Four steps, in the same order for every client. It starts with a twenty-minute conversation. Learn more
Accounts, income, tax returns, insurance, estate documents, and what you're actually worried about.
Retirement, the business exit, the kids, the parents. The points we plan toward, and when.
The portfolio, insurance, tax, and estate reviews, then one written plan you understand before you sign.
We execute with your attorney and CPA, or ours. Then fixed reviews, and adjustments as your life changes.
Situations we see often, and how we'd approach them.
The situation
Twenty years building the company, and a buyer at the table. The sale could set the family up for good, or hand a third of it to taxes and leave the rest sitting in cash.
How we'd approach it
We'd work with your CPA and attorney before the deal closes, not after, so the structure, the tax bill, and what happens to the proceeds are settled while there is still time to shape them.
The situation
Years of stock grants, options, and deferred comp have done well. Much of your future now rides on one company, and every vesting date brings a tax decision you make alone.
How we'd approach it
We'd bring the concentration down on a deliberate schedule, time the tax around your brackets, and fold the company benefits into one plan with the rest of your life.
The situation
You saved carefully for forty years and you have enough. The hard part is knowing how much you can actually spend, which account to draw from, and when to take Social Security.
How we'd approach it
We'd map the income, the withdrawal order, and the Social Security and Medicare timing into one plan, then keep the reviews on a fixed calendar so nothing is missed.
Hypothetical scenarios shown for illustration only. They do not describe actual clients or results, and are not a guarantee of future outcomes.
During the 2008 financial crisis, Brandon watched people he loved lose homes and years of their lives to what basic planning could have prevented. He was fifteen, and nobody he knew had a financial advisor. He has spent his career closing that gap, and founded Waypoint after eleven years in the industry. Before any of it he was an Eagle Scout, which explains more about how he plans than any credential does.
Brandon Smith, ChFC, CLU, MBAFounder and principal advisor
A twenty-minute conversation to see whether Waypoint is the right fit. No paperwork, no obligation.
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