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Personalized Financial Planning Rooted in Values, Not Quotas.

As an independent CFP® professional, I help people like you navigate retirement, taxes, Medicare, and legacy planning — without sales pressure or cookie cutter solutions.

Build Your Plan
Video Introduction

What Is Holistic Financial Planning?

Holistic Financial Planning considers the many facets of wealth accumulation and distribution aligned with your timing and goals.

What We Do

The Pursuit ofPeace of Mind

The challenge with many other financial service providers is they deliver only one or a few solutions without surveying your whole unique situation. How does one solution choice affect other elements of the financial plan?

Our Solutions
Holistic Plan Six Bubbles

How We Help?

Take stock of your household balance sheet

When considering your wealth, there is more to measure than how much money you have. That's important, but we rely on much more than just the dollars we have to create an enjoyable and fruitful life.

Drawing Income From Your Financial Resources

We'll consider your pre-retirement savings rate, your goals, the amount of funding in your accounts and the types of assets you have in pre-tax, post-tax and tax advantaged accounts.
Financial Capital Old Man

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Seeking to Serve and Make a Meaningful Difference

Tim’s story is one of faith, integrity, and purpose—delivering honest financial guidance with compassion, clarity, and a deep commitment to serving others.

Meet Tim
Providing analysis and advice
Monitoring your progress and

Projecting probabilities of future outcome based on assumptions and stress conditions

One source for investment and tax advice

Assisting with wills, trusts and powers of attorney to get them completed

Our 4-Step Financial Planning Process

Where Are You Now?

Let's learn more

  • About You
  • Your Goals & Objectives
  • Your Current Finances & Taxes
  • Your Priorities
Then share 
  • Our Services
  • The Process
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Free Book

My colleague, Jason L. Smith, wrote The Bucket Plan — a practical, plain-English guide to structuring your retirement income with clarity and confidence.

This is a must-read book for anyone serious about creating a practical and sensible financial plan for his or her retirement years.

I’ll mail you a free copy, my treat.

All I ask is your name and mailing address so I can send it your way. You’ll also receive occasional insights from me—things like “Tim’s Take,” my blog, and other helpful tools for your retirement journey.

Contact

Office: (203)304-9690
Mobile: (475) 221-4050

107 Church hill Road
Suite 1B
Sandy hook, C7 06482

ask@waypfp.com

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We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.

Copyright 2025 Waypoint Financial Planning, Inc.

Prosperity Capital Advisors ("PCA") is an SEC-registered investment adviser headquartered in Ohio. PCA and its representatives comply with registration requirements in all states where they conduct business or are exempt from registration. Direct communication with prospective clients will be made only by representatives who are properly registered or exempt in their state of residence. Registration does not imply a certain level of skill or training.

Waypoint Financial Planning, Inc. and PCA are separate, unaffiliated entities. PCA does not provide tax or legal advice. Insurance, tax, or other services offered through Waypoint Financial Planning, Inc.  are not affiliated with PCA.

Information on this website is for informational purposes only and should not be construed as investment advice. Some content may be provided by third parties and does not necessarily reflect the views of PCA. PCA is not responsible for, nor does it endorse, content on third-party websites linked here. 

To verify PCA’s registration status, visit the SEC’s Investment Adviser Public Disclosure site at www.adviserinfo.sec.gov. For additional details about PCA’s services and fees, refer to our Form ADV, available upon request or at www.prosperitycapitaladvisors.com. Please review our Client Relationship Summary (Form CRS), Form ADV Part 2A, Privacy Notice, and your advisor’s ADV Part 2B for more information before investing. For more information regarding your advisor’s designations please review their ADV 2B for a detailed description.