Where We Fit

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, and Jeff Karst 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).
  • 2018 ADV Brochure
  • Financial Consulting Agreement
 

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