Our Firm

At Financial Pathways we are in the business of helping our clients achieve their most important financial goals through professional financial planning and advice. But what does that actually mean? How can a professional financial plan help you? The answer may depend on what point you are at on your financial journey.

Just starting out?

Young families often want to make sure they are heading in the right direction as they begin their financial lives. Although they have not yet accumulated a lot of money, young couples face financial decisions which will shape the rest of their financial lives - buying a home, starting a family, etc. A brief visit with a financial professional can help prevent serious financial mistakes.

  • Getting an early start on retirement
  • Saving for and buying a first home
  • College savings plan for a newborn
  • Independent review of insurance protection
  • Cash flow and debt management
  • Starting a business or reviewing an investment opportunity
  • Preparing for financial emergencies


Moving right along…

As the family grows and you progress along the path to financial independence, needs begin to change. Many families now seek out professional financial advice for the first time, as the dual challenges of college and retirement draw nearer and compete for limited resources. A financial plan at this stage will focus on:

  • Budgeting and cash flow concerns
  • Planning and saving for retirement - how much will you need?
  • Paying for College: financial aid, debt, and tax strategies
  • Investment strategies for a growing nest egg (including employer-based plans and IRAs)
  • Tax strategies and planning
  • Unique estate needs such as special needs planning and trusts
  • Debt reduction strategies, improving the family balance sheet
  • Preparing for emergencies


Nearing the destination…

As you approach and enter retirement, needs change again. The focus now shifts to retirement income and estate planning. The financial plan includes the following:

  • Budgeting and cash flow
  • Converting employer pensions and retirement plans into a lifetime of income
  • Retirement income needs analysis
  • Investing nest egg for income, growth, and capital preservation
  • Tax strategies and planning
  • Tapping home equity through downsizing or other strategies
  • Estate planning – estate tax strategies, gifting strategies, etc.


To see how professional financial planning and advice can help you achieve your goals, just call or email us for a free consultation and financial situation analysis. There is no obligation, and never any sales pressure.