Waypoint Financial Planning LLC

Waypoint Financial Planning LLC

Waypoint Financial Planning LLC was established in 2004 by Paul S. Derringer as a registered investment adviser under the firm's current New York City headquarters. Derringer, whose public records show a career history in financial services before founding Waypoint, structured the firm as an independent RIA rather than a broker-dealer affiliate. The firm has operated continuously for over two decades without expanding into multi-office operations or institutional capital management. The firm positions its core offering around comprehensive financial planning, investment management, and retirement income strategies. Waypoint's investment approach blends low-cost index-based portfolios with selective individual securities, emphasizing tax efficiency and risk management across accounts. The firm's website describes no direct private-market investments, venture capital, or alternatives exposure, focusing instead on publicly traded securities and cash-equivalent holdings. Their typical client engagement involves ongoing financial planning relationships rather than transactional asset management. Waypoint Financial Planning LLC maintains a single office in Manhattan and has not publicly disclosed an AUM figure, nor does it provide team-size details beyond its principal. The firm has disclosed no recent capital deployment, new hires, or operational changes in the public record. No philanthropic vehicles, side funds, or adjacent operating companies have been identified under the Waypoint brand. The firm's structural differentiator is its unbundled fiduciary approach: it operates as a pure financial planning RIA without affiliated insurance, banking, or estate-planning arms. This narrow, independent posture — common among smaller RIAs — contrasts with the one-stop-shop model of larger wealth managers. The firm has not opted into industry registries like the SEC's Form ADV Part 2 that would reveal more detailed operational data (public record).