Pathways is a federally registered investment adviser.  Pathways may only transact business or render personalized investment advice in those states and international jurisdictions where we are registered/filed notice or otherwise excluded or exempted from registration requirements.  The purpose of this website is for information distribution concerning our services.  Any communication with prospective clients residing in states or international jurisdictions where Pathways and its Representatives are not registered or licensed shall be limited so as not to trigger registration or licensing requirements.  Nothing on this website should be construed as personalized investment advice, which can only be provided in one-on-one communications.