Pathway Financial Planning is a fee-only registered investment advisor based in Novi, Michigan, providing investment management and comprehensive wealth management services to individuals and families. Founded in 2011 and led by Gregory F. Brown, the firm specializes in low-cost, tax-aware, globally balanced portfolios using mutual funds, exchange-traded funds, and money market funds. Clients can choose between two main options: Investment Management, which focuses solely on portfolio construction, monitoring, and rebalancing, or Wealth Management, which combines investment management with holistic financial planning—including retirement, tax-efficient distribution strategies, Social Security optimization, estate planning, and direct tax preparation through an associated certified public accountant. Pathway Financial Planning emphasizes a long-term buy-and-hold strategy, operates without account minimums for investment management, and requires a minimum of $1,000,000 in investable assets for its wealth management services.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.50% |
| $1.0M - $3.0M | 1.00% |
| $3M+ | 0.50% |
Rates shown are for the Wealth Management service, which includes financial planning and tax preparation. The firm also offers an Investment Management only service with lower rates: 0.50% on the first $1M, 0.30% on the next $2M, and 0.10% above $3M. Fees are negotiable.
