Pathways is an independent fee-only financial planning firm.  We do not receive commissions.  We provide financial planning services and portfolio management.  Our investment philosophy includes the use of passively managed no-load mutual funds with very low internal expense ratios.  We are compensated by an assets under management (AUM) fee schedule designed to encompass investment advice and financial planning services.  We are long-time FPA members and have served on the board of our local chapter.  Our planners - David Williamson, Dustin Smith, Michelle Carter, Jeff Karst, and Evon Mendrin are CFP ®  professionals.
 
For more information about our firm, please review our ADV Brochure and our Financial Consulting Agreement below. These documents include a summary of services, engagement standards, and our fee schedule.  The agreement is a bit more concise and user friendly than the ADV Brochure (filed with the SEC).
  • 2020 ADV 3 Form CRS
  • 2020 ADV Brochure
  • Financial Consulting Agreement
 

With the free Adobe® Acrobat® Reader® software, you can view and print Adobe Portable Document Format (PDF) files. If you do not already have Microsoft® Word®, Excel® or Power Point® installed on your computer, the viewers enable you to view and print Word documents, Excel spreadsheets and Power Point presentations. If you already have Word, Excel or Power Point installed on your computer, you do not need to download these viewers. To download any of these free programs, click a link below.
Adobe Acrobat (pdf)Adobe Acrobat Reader Microsoft ExcelMicrosoft Excel Viewer
Microsoft WordMicrosoft Word Viewer Microsoft PowerPointMicrosoft PowerPoint Viewer