WHO WE SERVE
Who We Serve
Individuals & Families · Business Owners · Endowments & Nonprofits
Individuals & Families
A financial life built around what matters to you.
Start with Your Life
Your financial decisions are connected: the life you want to lead, the people you care about and the legacy you hope to leave. We begin by listening, then bring your investments, taxes and long-term plans into one conversation.
Retirement Income Planning
What will support the life you want in retirement? Together, we consider your spending priorities, Social Security, savings and other income sources. We review when and how you might draw on your accounts, with attention to taxes, flexibility and changing needs.
Proactive Tax Planning
Tax planning belongs alongside investment planning. We look at how your taxable accounts, tax-deferred savings such as 401(k)s, 403(b)s and IRAs, and other resources fit together. The goal is a thoughtful plan for the decisions ahead, informed by your circumstances and the applicable tax rules.
Investment Management
Your portfolio should reflect your goals, time horizon and comfort with uncertainty. Our risk-based planning approach considers how your investments work together and how much risk you are prepared to take. We review the plan with you as your life changes.
Estate & Long-Term Care Planning
A serious illness or the need for long-term care can change a family's financial priorities. We help you consider those possibilities alongside your wishes for passing wealth to the next generation, coordinating the financial conversation with your legal and tax professionals where appropriate.
Your First Conversation
Share what prompted you to reach out and the questions on your mind. We will discuss your priorities, explain how Pathway works and consider the next step together. Explore the Pathway Experience.
Business Owners
Connect the future of your business with the life you want to build.
Proactive Tax Planning
Your business and personal finances influence one another. We help you examine cash flow, retirement savings and tax planning together, considering the choices available to you and the trade-offs they involve.
Business Succession Planning
Whether you are preparing for a sale, transferring ownership or exploring what comes next, start with your priorities. We can help you consider how a transition fits your financial plan and coordinate the planning conversation with your legal and tax professionals.
A Plan for the Whole Picture
Explore our shared planning services and the Pathway Experience. An introductory conversation gives us a chance to understand your business, your family and the decisions ahead.
Endowments & Nonprofits
Thoughtful stewardship begins with your mission.
Support Your Long-Term Purpose
Boards, investment committees, executive directors, treasurers and finance committees balance today's needs with an organization's long-term sustainability. Begin with the mission your assets support and the governance responsibilities that guide your decisions.
Questions for Your Board
- What must your assets support now and in the years ahead?
- Does your Investment Policy Statement reflect your mission, risk tolerance and decision-making responsibilities?
- How do spending needs, available liquidity and strategic asset allocation fit together?
- What benchmarks and reporting would help your committee assess progress?
- What education or governance support would help your board carry out its fiduciary responsibilities?
Discuss Your Organization
Tell us about your mission, committee structure and current priorities. An initial conversation will help clarify your needs and which services Pathway can provide. We will discuss the scope of any proposed relationship before proceeding.