# Thomas Crutchfield

> Thomas Crutchfield is a fee-only financial advisor at Waypoints Financial in Sebring, Florida. Waypoints Financial reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/thomas-crutchfield/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Waypoints Financial
- **Based in:** Sebring, Florida
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $157.7M across 648 accounts
- **CRD:** 2846546 (https://adviserinfo.sec.gov/individual/summary/2846546)
- **SEC registration:** Investment adviser representative in FL
- **Exams passed:** Series 63 (1997), Series 65 (1997)
- **Firm size:** 3 employees
- **Disclosures:** Reported; see the SEC record
- **Website:** https://www.waypointsfinancial.com/

## Frequently asked questions

### Is Thomas Crutchfield a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Thomas holds no broker registration, and Waypoints Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Thomas charge for financial advice?

Thomas's firm, Waypoints Financial, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Thomas Crutchfield based?

Thomas Crutchfield is based in Sebring, Florida.

### Is Thomas Crutchfield registered with the SEC?

Yes. Thomas Crutchfield is registered as an investment adviser representative in FL (CRD 2846546), per SEC Investment Adviser Public Disclosure data as of October 29, 2026. The record lists disclosures; see the SEC record for details.

### How much does Waypoints Financial manage?

Waypoints Financial reports $157.7M across 648 accounts in assets under management.

### How do I contact Thomas Crutchfield?

Through Thomas's website, www.waypointsfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/2846546): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.