Business Details
30 Years
experience
Trusted Financial Advisers in Timonium, MD
Waypoint Wealth Management is an independent, fee-only Registered Investment Advisor firm dedicated to helping individuals and families achieve financial peace of mind. Since 1996, we have provided fiduciary-standard financial guidance, prioritizing client interests through plain-spoken advice and evidence-based strategies. Our approach integrates wealth management, retirement planning, and investment management tailored to personal values and long-term goals. We specialize in simplifying financial complexities, offering disciplined portfolio management grounded in 60+ years of academic research. Our team of CERTIFIED FINANCIAL PLANNERS, CPAs, and tax experts delivers personalized solutions, emphasizing cost efficiency, risk management, and behavioral discipline.As members of NAPFA and Focus Partners Advisor Solutions, we maintain rigorous professional standards while fostering close client relationships. We serve clients with $500,000+ investable assets, providing complimentary initial consultations to assess financial positioning and strategic opportunities. Our multi-generational perspective addresses both immediate concerns and legacy planning, ensuring alignment between personal values and financial decisions. Transparency remains central to our practice, with clear communication about investment risks, returns, and associated costs. By combining analytical rigor with empathetic service, we aim to transform financial planning into a source of enduring confidence and clarity for our clients.
Services
Wealth Management
Retirement Planning
Evidence-Based Investing
Financial Planning
Portfolio Management
Details
- Year established: 1996
Highlights and features
- We operate as 100% fee-only advisors with no commissions or conflicts of interest
- Our investment approach is grounded in 60+ years of academic research
- All advisors hold advanced certifications including CFP, CPA, or Enrolled Agent
- We maintain fiduciary responsibility as legally required under SEC regulations
- Multi-generational team combines 25+ years of collective financial planning experience
Associations and certifications
- Registered Investment Advisor (RIA)
- NAPFA
- CERTIFIED FINANCIAL PLANNER Board of Standards
- Enrolled Agent (IRS)
Services
Wealth Management
Our wealth management service integrates financial planning with investment management to align resources with life goals. We develop customized strategies addressing asset allocation, tax efficiency, and risk management. By combining evidence-based investing with personal financial counseling, we help clients build sustainable wealth across generations.
Retirement Planning
Specialized retirement planning focuses on creating reliable income streams while managing longevity risks. We analyze Social Security optimization, pension options, and withdrawal strategies to ensure financial security throughout retirement years. Our approach emphasizes tax-efficient distribution methods and market volatility mitigation.
Evidence-Based Investing
This investment approach applies peer-reviewed financial research to portfolio construction. We utilize low-cost index funds and factor-based strategies proven over decades, avoiding market timing and speculative trends. The methodology emphasizes global diversification and behavioral discipline to capture market returns.
Financial Planning
Comprehensive financial planning covers cash flow analysis, debt management, and major life transitions. We create roadmaps for education funding, career changes, and legacy planning while maintaining alignment with investment strategies and risk tolerance levels.
Portfolio Management
Active portfolio management services include tax-loss harvesting, rebalancing, and customized bond laddering. We implement institutional-quality investment vehicles with transparent fee structures, focusing on cost control and execution efficiency to maximize net returns for clients.
People
Pete Dixon
Partner and Advisor
CFP professional with 25+ years experience in retirement planning. Former Legg Mason advisor specializing in financial life planning. Bachelor of Arts in Economics from St. Mary's College of Maryland. Focuses on simplifying complex financial decisions for clients.
Grant Palmer
Partner and Advisor
CPA and co-founder with Masters in Taxation from University of Baltimore. 30+ years in financial services including co-founding Callan & Palmer, LLP. Emphasizes tax-efficient investment strategies and transparent fee structures for client portfolios.
Grant A. Palmer IV
Advisor
CERTIFIED FINANCIAL PLANNER professional with Vanguard Group experience. Pursuing Enrolled Agent designation. Specializes in intergenerational wealth transfer and behavioral finance. Focuses on aligning personal values with investment decisions through evidence-based methods.
Questions
What services do you offer?
We provide comprehensive wealth management, retirement planning, evidence-based investing, and portfolio management services tailored to individual financial goals.
Are you legally required to act in my best interest?
Yes, as Registered Investment Advisors we operate under fiduciary duty, legally obligated to prioritize client interests above all else.
How are you compensated?
We are 100% fee-only advisors with no commissions, product sales incentives, or hidden charges. Our transparent fees are based on assets under management.
What investment approach do you use?
Our evidence-based strategy applies 60+ years of academic research, focusing on low-cost index funds, global diversification, and behavioral discipline.
Do you work with out-of-state clients?
While based in Maryland, we serve clients nationwide through virtual meetings and digital document management systems.
What's the minimum investment required?
We typically work with clients having $500,000 or more in investable assets to ensure effective portfolio diversification and management efficiency.
