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Thomas Crutchfield

Waypoints Financial
29 Years of Experience
Sebring, FL
2 DisclosuresSells Insurance
View SEC Summary
View SEC Summary

Thomas Crutchfield is a registered investment advisor at Waypoints Financial, based in Sebring, FL, with 29 years of industry experience. Thomas operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Alternative Investments, Education Planning, Estate Planning, Financial Planning & Coaching, and 5 more. Their firm serves 430 clients with $160M in assets under management.

Waypoints Financial
Compensation
Fee-Only (% of Portfolio)Fixed/Hourly
Firm Size
3 advisors
Number of Clients
430 clients
Average Client Portfolio
$367K average
Assets Under Management
$157.7M

Fee Structure

Minimum Investment:None
Investment management only (planning not offered)
Portfolio-Based Fees (Flat)
Portfolio ValueAnnual Fee
Any1.60%

Fees are negotiable up to a maximum annual rate of 1.60% and are billed monthly in arrears.

Fee Estimator
Your Portfolio Value
$500K
$0$500K$1M$5M$20M
Estimated Annual Fee
—
View Full SEC Brochure

Location

149 East Center Avenue, Sebring, FL, 33870

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History

Regulatory History (2)
What are disclosures? Advisors must report customer complaints, regulatory actions, and certain legal or financial events to the SEC. Not all disclosures are serious—many are settled disputes or minor violations. Learn how to evaluate them.
Customer Dispute
March 2006
Closed-No Action
Customer Dispute
April 2003
Settled
View Full SEC ReportHow to Read Disclosures
Other Business ActivitiesSells Insurance

Thomas is an independent insurance agent since 1997, selling life insurance and annuities, dedicating about 10-20% of his time. He also manages 149 E Center LLC, a real estate company that purchases and rents office space, dedicating minimal time to this activity.

Employment History
Current Registrations
Waypoints Financial
March 2012 - Present · 14 yrs 7 mos
Previous Registrations
Wfg Advisors, LP
June 2011 - March 2017 · 5 yrs 9 mos
Wfg Investments, INC.Broker
June 2011 - March 2017 · 5 yrs 9 mos
Cambridge Investment Research Advisors, INC.
April 2009 - July 2011 · 2 yrs 3 mos
Cambridge Investment Research, INC.Broker
March 2009 - July 2011 · 2 yrs 4 mos
Wachovia Securities, LLC
January 2008 - March 2009 · 1 yr 2 mos
Wachovia Securities, LLCBroker
January 2008 - March 2009 · 1 yr 2 mos
A. G. Edwards & Sons, INC.Broker
September 2001 - January 2008 · 6 yrs 4 mos
A. G. Edwards & Sons, INC.
September 2001 - January 2008 · 6 yrs 4 mos
Merrill Lynch, Pierce, Fenner & Smith IncorporatedBroker
March 1997 - October 2001 · 4 yrs 7 mos
State Registrations1 state
FL
Advisor

You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.

Exams
No exam information available for this advisor.
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