# Waypoints Financial

Waypoints Financial is an Asset Manager based in Sebring, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Sebring, United States
- **Region:** North America
- **Address:** San Francisco, CA, United States
- **Founded:** 1999
- **Assets under management:** Undisclosed
- **Website:** waypointsfinancial.com

## Regulatory record

- **CRD number:** 157494
- **SEC file number:** 801-130707
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/157494

## About

WAYPOINTS FINANCIAL is an SEC-registered investment adviser in SEBRING, FL, registered since 2024. The firm manages approximately $158 million in regulatory assets. It has 3 employees and 3 investment advisers.

## Sectors

- Wealth Management
- Financial Planning

## People

- Kevin M. Sánchez — Founder and Chief Executive Officer

## Questions

### What kind of clients does Waypoints Financial serve?

The firm was purpose-built for professional airline pilots, whose mandatory FAA retirement age at 65 creates a compressed accumulation window distinct from almost every other profession. Waypoints also advises a smaller subset of other aviation professionals, including corporate pilots and flight attendants, where similar airline benefit structures apply.

### Is Waypoints Financial a single-advisor practice, or a team-based organization?

Kevin Sánchez founded the firm and remains the lead advisor on client relationships and portfolio design. The practice operates as a boutique, with operational and compliance support provided through its broker-dealer or RIA network affiliation—a structure common among occupational-niche advisory firms that prioritize specialized domain knowledge over scale.

### How does FAA mandatory retirement shape the firm's investment approach?

Pilots face a hard stop at age 65, compressing their peak-earning years into a shorter band than most high-income professionals. Waypoints models this by emphasizing pre-65 accumulation velocity, tax-efficient rollover management of lump-sum pension distributions, and sequence-of-return sensitivity in the five years surrounding the mandatory retirement date—all calibrated to FAA regulation rather than a generic retirement age.

### Does Waypoints Financial manage discretionary portfolios, or is it planning-only?

The firm operates as a registered investment adviser, which includes discretionary asset management for client accounts. Its offering wraps investment management into broader financial planning engagements, handling airline-specific variables like PBGC coverage limits on frozen defined-benefit plans and 401(k) loan scenarios tied to furlough recency.

### What investment vehicles does Waypoints typically use?

Client portfolios are built from publicly available securities—mutual funds, exchange-traded funds, individual bonds, and occasionally individual equities—allocated across an asset mix that reflects each pilot's pension reliance, equity exposure in their airline, and liquidity needs near mandatory retirement. The firm does not offer proprietary funds or private-market products.

### Is Waypoints affiliated with a specific airline or union?

No. While the firm's early growth concentrated among United Airlines pilots during a period of pension restructuring, Waypoints operates independently and serves pilots from multiple major carriers. Its guidance addresses collective bargaining outcomes as a client-service function, not as a union-endorsed benefit.

## Related profiles

- [WBH Financial Services](https://altss.com/profile/wbh-financial-services-llc)

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Last updated: 2026-06-03T20:00:00.000Z

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