How does Pathway make money?

We are Fee-Only and commission-free. In other words, we are only compensated directly by our clients and not by commissions, kickbacks, and sales quota bonuses.

You may have heard of “Fee-Based”. While “Fee-Based” sounds similar to Fee-Only, it means the advisor can be compensated by the fees directly from their clients and by commissions from the investments or financial products they use.

Our transparent fee is based on a percentage of the investments we manage for our clients.

Are you a Fiduciary?

Yes, we are full-time fiduciaries. We have a legal obligation to always act in the best interests of our clients. The majority of advisors who call themselves fiduciaries do not serve as a fiduciary in all instances of the client relationship.

Do you have a minimum asset requirement to work with your firm?

No. Most new clients we work with have accumulated $3,000,000 or more of investable assets (not including real estate) or have planning needs tied to business ownership or wealth spanning across multiple generations. We do initiate client relationships with those with fewer than $3,000,000 in assets in various situations.

Do you offer one-time financial plans?

Our primary focus is ongoing relationships with individuals and families. We may occasionally offer a one-time planning engagement for those who are exploring a longer-term relationship and would like to start with an initial project.

How are you different than other financial advisors?

1)     We are Fee-Only. We believe compensation structures matter when it comes to financial guidance. To avoid conflicts of interest that often occur when selling products, we choose not to sell any products at all. Instead, our compensation is transparent and only comes from our clients.

2) We limit the number of clients we work with. This allows us to provide highly personalized services to the individuals and families who place their trust in our firm as a guide and steward of their financial plan.

3) Our focus goes beyond money. We believe the components of a fulfilling life go beyond dollars and cents. We utilize a refined planning framework to help individuals and families clarify what is most important to them, organize their priorities, and define their unique vision of a fulfilling life.

How do I know if Pathway might be the right firm for me?

We believe an investment portfolio should be constructed in alignment with a client’s financial plan. Our approach to portfolio management focuses on time-tested factors, including global diversification, tax sensitivity, and fee minimization.

We are not the right fit if you are looking for an advisor to:
- Speculate about the best time to hop in and out of the market
- Make short-term investment decisions based on the “headline of the day”

Who holds my investments?

For the convenience and safety of our clients, the accounts we manage are held by a third-party custodian. Clients can have their accounts custodied at Charles Schwab or Fidelity.