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Your Life,
Your Wealth

We believe in the F.O.R.M. approach as the basis for our work with our clients in the Waypoint FORMula to help them reach their goals.


– is for Family.

What matters to you related to your children? Grandchildren? Things like education and well-being while you are alive and the legacy (financial and otherwise) you will eventually leave them.


– is for Occupation.

Your dedication to your business or craft goes beyond the compensation you receive. Most successful professionals find great reward in their role as leaders, and many choose to continue to work long-after the traditional retirement age.  In addition, after you retire, what will you do with your time?  Perhaps lend your expertise to a non-profit organization or other cause close to you.  Occupation creates a feeling of self-worth and confidence.


– is for Recreation.

What do you enjoy doing with your spouse, family, friends, or perhaps by yourself when you’re not working?  These activities make us happy and add to the fullness of life.

These first three – F.O.R. are the “Why” of our lives. They are why we save, why we invest, why we care. 


– is for Money.

The Money is the “How” in your plan.  Accumulating wealth and smart planning allow us achieve dreams and goals of our Family, Occupation, and Recreation.  In terms of direct happiness, it is the least important of the four factors, but is very important in delivering and creating the happiness factor of the others.

Our favorite thought when working with you is ”Your Life, Your Wealth”  It helps us keep focused on the F.O.R.M. formula of putting your life’s priorities first and focusing on how your wealth can deliver on those goals.