Waypoints Financial, Llc
- Regulatory AUM
- $158M
- Discretionary
- $158M
- Clients
- 430
- Avg AUM / client
- $367K
- Accounts
- 648
- Employees
- 3
AUM over time
Reported AUM from Form ADV filings, plotted by filing date · as of Mar 19, 2026
Who they serve
| Client type | Clients | AUM | % of AUM |
|---|---|---|---|
| Individuals (non-high net worth) | 396 | $56.7M | 36.0% |
| High net worth individuals | 32 | $98.6M | 62.5% |
| Charitable organizations | 2 | $2.4M | 1.52% |
People (3)
roster as of Jul 20, 2026| Name | Role / title | Credentials | With firm since | Ownership |
|---|---|---|---|---|
| John Richard Clark | Managing Member And Cco | CFP | Mar 2009 (17y) | 25% – 50% |
| Thomas Scott Crutchfield | Managing Member | Mar 2009 (17y) | 25% – 50% | |
| Victor Jason Divietro | Managing Member | Mar 2009 (17y) | 25% – 50% |
Undisclosed: 0% – 25% of the firm is not attributable from the filed Schedule A bands.
Roster from the IAPD representatives feed; ownership and acquisition dates from Form ADV Schedule A/B. "Since" is the earliest filed registration or acquisition date.
Documents (1 archived)
| Form | Period | Size | |
|---|---|---|---|
| Form ADV (full filing) | 03/19/2026 | 1.02 MB | View · PDF · Source ↗ |
Archived copies of the firm's regulatory filings, versioned by content hash.
Disciplinary disclosures
Allegations: FAILURE TO AMEND FORM ADV, INACCURATE FORM U-4, DEFICIENT INVESTMENT ADVISORY CONTRACTS, FAILURE TO MAINTAIN REQUIRED MINIMUM NET CAPITAL. Status: Final Sanction Detail: WAYPOINTS AGREED TO THE FOLLOWING TERMS AND CONDITIONS: A. TO CEASE AND DESIST FROM VIOLATIONS OF CHAPTER 517, FLORIDA STATUTES, AND THE OFFICE'S RULES PROMULGATED THEREUNDER, AND TO STRICTLY COMPLY WITH ALL PROVISIONS OF CHAPTER 517, FLORIDA STATUTES, AND THE RULES PROMULGATED THERETO; AND B. AN IMPOSITION OF AN ADMINISTRATIVE FINE AGAINST THE FIRM IN THE AMOUNT OF $5,000. Summary: ON SEPTEMBER 20, 2018, WAYPOINTS AGREED TO THE TERMS OF A STIPULATION AND CONSENT AGREEMENT AND AGREED TO THE FOLLOWING TERMS AND CONDITIONS: A. TO CEASE AND DESIST FROM VIOLATIONS OF CHAPTER 517, FLORIDA STATUTES, AND THE OFFICE'S RULES PROMULGATED THEREUNDER, AND TO STRICTLY COMPLY WITH ALL PROVISIONS OF CHAPTER 517, FLORIDA STATUTES, AND THE RULES PROMULGATED THERETO; AND B. AN IMPOSITION OF AN ADMINISTRATIVE FINE AGAINST THE FIRM IN THE AMOUNT OF $5,000.
Disclosure text reproduced verbatim from the firm's own Form ADV filings.
How they charge
- • Percentage of assets under management
- • Hourly charges
- • Fixed fees
Services
- • Financial planning services
- • Portfolio management for individuals/small businesses
- • Pension consulting services
Custody
Reported custodians
- Charles Schwab & Co. $158M (100% of AUM) Mar 2026
Amounts as reported in ADV Item 5.K.(3) (custodians holding 10%+ of SMA assets).
Firm reports having custody of client funds or securities (Item 9.A).
Source
All data on this page comes from this firm's Form ADV filings, reproduced without modification. Latest filing: Mar 19, 2026.
View current Form ADV (SEC/IAPD) ↗