Waypoint Wealth Management Group

05/20/2026

Last week, I had the honor of attending the Alzheimer's Association NYC Junior Board's "Memories In Bloom" event - and it's something I've continued thinking about long after the evening ended.

Throughout the night, people shared deeply personal stories about loved ones affected by Alzheimer's - parents no longer recognizing their children, families grieving someone little by little before they're truly gone. It was heartbreaking, powerful, and an important reminder of why this work matters so much.

The support raised through events like this goes far beyond funding research. It's helping drive earlier detection, expand access to care, and move us closer to treatments that can stop, slow, or even prevent this disease. And for so many families, that can change everything.

We were also proud to sponsor the evening and support a cause that continues to build incredible momentum - from growing philanthropic support and strengthening the Alzheimer's research community, to securing increased federal funding that will help accelerate progress.

Thank you to the NYC Junior Board for creating such a meaningful evening. Grateful to have been part of it, and reminded once again why this mission is so important.

05/15/2026

What started as 24 brokers signing a two-sentence agreement under a buttonwood tree on Wall Street in 1792 has grown into the largest stock exchange in the world. Over 230 years later, that same floor at the NYSE is still where history gets made, and last week I had the privilege of being there for the Closing Bell ceremony with J.P. Morgan Asset Management. The NYSE's growth and transformation is a story unlike any other – and now, it finds itself at the center of yet another seismic shift: the AI era. It was truly humbling to stand in that building and take it all in.

A few takeaways from JPM's latest market insights that stuck with me:

- AI is getting exponentially better at completing real work tasks – but reliability remains a major hurdle.
- The cost of using AI has dropped dramatically, making broader adoption increasingly accessible.
- AI is on track to reach mass adoption faster than any prior technology (doubling the pace of the internet)
- Yes, AI will change how we work, but job displacement is moving a lot slower than the headlines make it seem.
- Hyperscalers are on pace to spend ~$350B on AI infrastructure in 2025 alone (a 60%+ increase over last year) largely funded by their own cash flows.
- After 20+ years of stagnation, the U.S. electric grid is finally being upgraded, driven in large part by AI's surging power demands.

The bottom line from JPM: AI looks genuinely transformative, backed by companies with strong balance sheets – but not every "AI company" will win. Active management and careful selection matter more than ever.

Grateful for the experience and the perspective!

04/29/2026

Money and marriage is less about math and more about communication.

It's not usually the big financial decisions that cause tension - it's the small, repeated disconnects:
– Different spending habits
– Unspoken expectations
– Avoiding the conversation altogether

The couples who handle money best aren't always the highest earners - they're the ones who are aligned. They check in, stay transparent, and treat finances as a shared responsibility.

Simple, but not always easy: talk early, talk often, and make sure you're building the same plan.

raymondjames.com

04/23/2026

A new Fed chair doesn't come along often, and this nomination comes at a really interesting time.

Kevin Warsh has evolved from inflation hawk to someone who believes AI could let the economy run faster without overheating. Will that mean big changes? Probably some gradual ones, but his pushback on the dot plot and forward guidance could shift how markets read the Fed.

I always think it's worth understanding who's in the room when these decisions get made. Sharing a great breakdown from Raymond James below.

raymondjames.com

04/07/2026

There is still plenty of conversation around workplace perks. Flexible schedules, wellness stipends, hybrid work. But one benefit is often overlooked: financial wellness.

A recent article highlights how financial stress shows up at work through lower focus, higher absenteeism, and reduced engagement. When employers go beyond retirement plans and offer real financial education and guidance, performance improves.

I work with people in their peak earning years who are also navigating student loans, growing families, equity compensation, and increasingly complex financial decisions. The need is not more information. It is clarity.

Financial confidence allows people to show up more focused at work and more intentional at home. For both employers and professionals, that stability is no longer a nice to have. It is foundational.

plansponsor.com

04/01/2026

Career moves are happening faster than ever. The U.S. DOL reports that Americans hold an average of 13 jobs over their lifetime.

Yet when high earners change roles, equity, compensation and title take center stage - and retirement plans often get overlooked.

If you have a 401(k) or legacy accounts, the decision to leave it, roll it, convert it to an IRA, or cash it out carries long-term tax and compounding implications. Fees, investment flexibility, Roth strategy, and future RMD exposure become increasingly meaningful as balances grow.

Before your next transition, it's worth being deliberate about how those assets fit into your broader plan.

If this is relevant to you or someone in your network, the article below outlines a few key considerations.

raymondjames.com

03/24/2026

More people are building meaningful wealth earlier in life - often through careers and opportunities that don't follow a traditional path. From the outside, it can look seamless. Behind the scenes, it's usually anything but.

I work with individuals who've come into wealth quickly and unconventionally. Their financial lives don't resemble the slow-and-steady accumulation most planning is built around, and that changes the conversation.

The people who sustain success long-term aren't the ones who say yes to everything. They're the ones who surround themselves with the right team early - and let strategy, not pressure, drive decisions.

raymondjames.com

03/09/2026

As expected, it was a headline filled weekend, and markets are already reacting. The geopolitical playbook can be predictable - until energy gets involved. Markets have a pattern when headlines turn scary: volatility spikes, oil jumps, safe havens rally... then most of it fades. Most geopolitical events are geographically contained and don't materially move the needle on U.S. growth.

But the Iran situation deserves a closer look.
Iran sits next to the Strait of Hormuz - a narrow water highway that 1 out of every 5 barrels of oil passes through. Shipping insurers have already stopped covering vessels on that route. No insurance = no ships = less oil moving around the globe.
The good news? This isn't the 1970s. The U.S. now produces more oil than it consumes, OPEC+ has backup supply ready, shale output is near record highs, and with summer approaching should lessen demand for heating fuel. We're not immune to a price spike - but we're in a much stronger position to absorb one.

The most likely outcome of sustained conflict? Inflation - not recession. Uncomfortable for the Fed, but a very different beast than a full-blown contraction.

For anyone with money invested: stay diversified, stay disciplined, and resist the urge to time the market. These situations flip from scary to calm faster than anyone can predict.

jpmorgan.com

03/06/2026

Iran exports roughly 1.4 million barrels per day - about 1.4% of global supply. The real variable to watch is the Strait of Hormuz, where 20% of the world's oil passes through daily - but even a disruption there has buffers, with rising supply from Brazil, Guyana, and an OPEC production increase coming in April.

Bottom line: the S&P 500 generates less than 2% of its revenue from the entire Middle East. Short-term volatility driven by geopolitical headlines is real - but it's not a portfolio strategy.

You can't hedge every risk the world throws at you, but you can build a diversified portfolio designed to absorb the ones you can't predict.

raymondjames.com

03/04/2026

We're excited to share an update about the evolution of our practice. For many years, our team has worked closely alongside another group of advisors in our branch - collaborating, sharing ideas, and supporting one another behind the scenes. Now, we're making that partnership official.

Together, we are combining Di Silvio Wealth Management with our associates at TWL Wealth Management under one unified name:
Waypoint Wealth Management Group.

A waypoint is a navigational marker - a reference point that keeps you on course no matter where the journey takes you. That's exactly what we aim to be for our clients: a steady, trusted guide through every financial decision, milestone, and milestone ahead.
This isn't a reinvention. It's recognition. Our teams have always operated this way - collaborating, aligned, and focused on what matters most: you. Now our name reflects that.

We're proud of the relationships that brought us here, and genuinely excited for everything that comes next.
The journey continues - and we're glad you're on it with us. 🧭