Team Waypoint

Our team takes customer service seriously. We are committed to providing exceptional customer service and a superior level of professional advice while helping our clients achieve their financial goals.

Rob Rustad, Carolyn Erwin, Megan Martin, Nick Moes, and Aly Fendler will be more than happy to help you with any questions you may have. They can also assist you with scheduling a meeting if you have further questions about your financial security.

If you need to schedule an appointment or request any other service, please let us know. We promise to provide you with a prompt, friendly, and knowledgeable response every time.

Robert Rustad

Robert Rustad

Financial Representative
Office 406-522-4786

Rob is a 4th generation Montanan who returned home to Montana after his military service. He loves to fly fish, go camping with his family, and pretend he knows how to wind surf. He graduated in 1994 from Norwich University where he studied Russian and International Studies and was also a member of the university's rugby team. He holds an MA from Chapman University. Rob currently lives in Belgrade with his wife and two small children, their dog Bailey, and their cat Buster.

Rob joined Northwestern Mutual in 2019 and merged his practice with Waypoint Wealth Management in 2021. He holds a Montana Life & Health Insurance License as well as his Series 6 & 63 Investment registrations. His mission is to help ensure our clients identify and achieve their financial goals.

Carolyn Erwin

Carolyn Erwin

Director of Investment Operations and Services
Office 406-522-4779

Carolyn has called Montana home since 2002 and is a 6th generation Montanan. She loves everything that Montana has to offer, especially the summers. She graduated in 2015 from Arizona State University with a Bachelor of Science in Technological Entrepreneurship and Management. She lives in Belgrade with her Black Lab/Beagle cross, Bud, and her horses, Shorty and Jax. Carolyn enjoys hiking with Bud, riding her horses, spending time at her family cabin, camping, photography, and being with friends and family.

Carolyn joined Waypoint Wealth Management in 2017. She holds a Montana Life & Health Insurance License as well as her Series 6 & 63 Investment registrations. She is always working to ensure our clients' experiences with Waypoint Wealth Management are the very best.

Megan Martin

Megan Martin

Director of Insurance Operations
Office 406-522-4760

Megan has been with Northwestern Mutual since 2018 and was thrilled to join the Waypoint Wealth Management team at the beginning of 2020. She graduated in 2009 with a B.A. in Intercultural Studies and also holds a Montana Life & Health Insurance License. She brings a desire to see individuals and families meet their financial goals while also being prepared for life’s uncertainties.

Megan was born and raised on the West Coast, where she and her husband met while in college. Her family moved to Bozeman in 2016 and it has truly been the best place to raise their three kids and establish a community. Megan loves spending as much time as possible camping, hiking, running, and exploring the beauty found in Montana. Outside of work, her days are full with kid's activities - competitive cheer, baseball, and soccer are her kid's sports of choice. Megan's family enjoys fostering animals as volunteers with Heart of the Valley Animal Shelter and they have their own houseful of animals as well as well (2 dogs, 2 cats, 1 rabbit, and lots of fish).

Nick Moes

Nick Moes

Associate Financial Representative
Office 406-522-4750

Nick is a lifelong Montanan and grew up on his family farm in the Missouri Breaks of northcentral Montana. He moved to Bozeman to attend Montana State University and in 2004 graduated with a Bachelor of Science degree in Finance. Nick is an avid pursuer of numerous outdoor activities, with a special passion for trail running and participating in ultramarathons. In his free time, he can be found adventuring with friends and family somewhere deep in mountains of this beautiful state we call home.

Nick joined Waypoint Wealth Management in 2021 and holds a Montana Life & Health Insurance License as well as his Series 7, 63 & SIE Investment registrations.  He is honored to be part of a dedicated team who work tirelessly to help clients achieve their financial goals. He strives to serve the clients of Waypoint Wealth Management with the highest level of service possible.

Aly Fendler

Aly Fendler

Administrative Assistant
Office 406-522-4757

Aly joined our team in 2022 and provides clients with exceptional customer service that makes them feel as though they are part of the Waypoint Wealth Management family. She is thrilled to be part of a team that is committed to putting clients first.

Aly grew up in northern Nevada and moved to Montana in 2014. She graduated from Utah State University where she studied Agricultural Education and Agribusiness Management. She holds a Montana Life & Health Insurance License. Aly calls Three Forks home with her husband and two dogs, Riley and Mocha. They are passionate adventurers and love snowboarding, backpacking, and exploring the mountains of Montana.

Waypoint Wealth Management

Zachary E Schmidt
Financial Advisor

Waypoint Wealth Management


To learn more about Northwestern Mutual Investment Services, LLC and its financial representatives, visit: FINRA BrokerCheck

Visit our Client Relationship Summaries (Form CRS) which provide brief information about our firms that provide brokerage services and advisory services.