--- title: How We Do It description: Timothy J Haas, CFP® CIMA® RMA® EA MBA focuses on more than just wealth. Discover how to create a fulfilling life beyond dollars. Start your plan today! --- How We Do It ## Your Best Interests First: "Your Best Interests First: Integrated Holistic Planning and Tax Advice with Value That You Can See and Feel” At Waypoint Financial Planning, we prioritize your unique financial goals and needs. ### Fee Based Planning - We begin with planning, and there is a reasonable fee for that. - Other firms may use a "free plan" as a self-serving strategy to steer you into costly investment solutions. - They often may recommend purchases from a limited suite of commissioned insurance products like life insurance and annuities. ### Collaborative Planning Process - We engage deeply with you in the financial plan design process. - Use the plan and projections as our roadmap for advice. - Evaluate different scenarios and financial solutions together. - Model the impacts of alternative solutions on the plan. - Enable you to make clear and effective decisions about the best options for you. ### Evaluating Scenarios - Review different scenarios such as retiring earlier or later. - Assess various spending plans. - Plan for major expenses like travel, weddings, or gifts over time. ### Implementation Flexibility - Many clients implement plans with us after evaluating proposals, but it's not required. - Our philosophy is to offer options that suit your best interest. - You implement solutions where you identify the best fit for your purposes. - We're equipped to recommend, implement, and service your needs long-term. - The decisions are always yours to make. - We aim for a real relationship with you and your loved ones. ### Integrated Financial and Tax Advice - We offer seamless integration of financial planning and tax advice. - Many competitors don't offer tax advice, and their tax advisors don't provide investment strategy. - This is especially challenging for Roth conversions and income distribution strategies. - Our comprehensive approach helps ensure that your investment strategies and tax considerations work hand-in-hand. - Provide cohesive and coordinated guidance that truly puts your best interests first.   # How We Help # A Simple But Comprehensive Process 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. - Financial Capital - Human Capital - Social Capital ### **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](https://dev.timothyjhaas.com/hs-fs/hubfs/Financial%20Capital%20Old%20Man.jpg?width=4096&height=2731&name=Financial%20Capital%20Old%20Man.jpg) **Consider Your Capacity and Desire to Start a Second Act** Your ability to continue working - even part time, and your desire to make a contribution to others - even charitably. ![Human Capital](https://dev.timothyjhaas.com/hs-fs/hubfs/Human%20Capital.jpg?width=4096&height=3072&name=Human%20Capital.jpg) **Consider the People in Your Life** Money isn't everything. Consider the resources you could draw from the relationships you enjoy -- possibly children, friends, family, your church or your synagogue.   ![Social Capital](https://dev.timothyjhaas.com/hs-fs/hubfs/Social%20Capital.jpg?width=4096&height=2734&name=Social%20Capital.jpg) # Our Process A Partner On Your Life Journey ## **D I S C O V E R** ## **Where You Are Now** - About You - Your Goals & Objectives - Your Current Finances & Taxes - Your Priorities - Our Services - The Process ## **D E S I G N** ## **Where you want to Go** - Organizing Your Financial Life - Understanding Your Net Worth - Assessing Your Cash Flow - Tax Return Review - Analyzing Your Risk - Developing Your Plan ## **D E L I V E R** ## **Your Holistic Plan** - Finalize Your Customized Bucket Plan - Align Investments With Your Market Volatility Tolerance - Optimize Your Cash Flow - Provide Solutions - Transition Plan & Implementation ## **D E D I C A T E D** ## **Service and Support** - Active Plan Management - Ongoing Advice - Tax & Wealth Management - Proactive Communication & Education - Plan Update Meetings # We Want To Hear From You [![Book a Call ✆](https://no-cache.hubspot.com/cta/default/48543737/interactive-186303541866.png) ](https://dev.timothyjhaas.com/hs/cta/wi/redirect?encryptedPayload=AVxigLJQjv1ZvXu51svrt3jhcSRxxSY%2F4J1PxWuu9hjqI7pJuKJZTOS12WWgwhGIwR9WC9Y%2Bo8oq0u9U0zM2ZdCHhYiwu%2FpBMDdygfTJcf24nMA66WUVfkoKw2IPOnRn7HDpdQ2Duf3vNZoGcUb6HC99n9UZD7u3r9rcKyTsx%2Fda5VrRBga5qmDa%2Bdne7TLI8t1z5U5UFOd2IuKwrHhn%2B08%3D&webInteractiveContentId=186303541866&portalId=48543737&hsLang=en) ![Bucket Plan Book](https://dev.timothyjhaas.com/hs-fs/hubfs/Bucket%20Plan%20Book.webp?width=436&height=436&name=Bucket%20Plan%20Book.webp)   # Book a 15 Minute Get Acquainted Call ## Free 160 Page Book Mailed to You After Get Acquainted Call 100% Privacy. We Will Never Spam You! [![Book a Call ✆](https://no-cache.hubspot.com/cta/default/48543737/interactive-186303541866.png) ](https://dev.timothyjhaas.com/hs/cta/wi/redirect?encryptedPayload=AVxigLJQjv1ZvXu51svrt3jhcSRxxSY%2F4J1PxWuu9hjqI7pJuKJZTOS12WWgwhGIwR9WC9Y%2Bo8oq0u9U0zM2ZdCHhYiwu%2FpBMDdygfTJcf24nMA66WUVfkoKw2IPOnRn7HDpdQ2Duf3vNZoGcUb6HC99n9UZD7u3r9rcKyTsx%2Fda5VrRBga5qmDa%2Bdne7TLI8t1z5U5UFOd2IuKwrHhn%2B08%3D&webInteractiveContentId=186303541866&portalId=48543737&hsLang=en) ## Contact Office: [(203)304-9690](tel:203304-9690) Mobile: [(475) 221-4050](tel:475221-4050) 107 Church hill Road Suite 1B Sandy hook, C7 06482 [ask@waypfp.com](mailto:ask@waypfp.com) Check the background of your financial professional on FINRA's [BrokerCheck](https://brokercheck.finra.org/). We take protecting your data and privacy very seriously. As of January 1, 2020 the [California Consumer Privacy Act (CCPA)](https://www.caprivacy.org/) suggests the following link as an extra measure to safeguard your data: [Do not sell my personal information](https://www.waypfp.com/donotsellmypersonalinformation). 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. 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