Financial Pathway is a registered investment advisor founded in October 2019 and owned by Nathaniel Skelly. The firm offers a range of services designed to help individuals reach their financial goals. Through its Guidance Plan, Financial Pathway manages customized investment portfolios using a passive investment strategy based on Modern Portfolio Theory and factor analysis, focusing on long-term diversification and low costs. In addition to managing investments, Financial Pathway provides comprehensive financial planning where clients work one-on-one with a Certified Financial Planner over an extended period to build, monitor, and update a personalized financial roadmap. Clients can also book one-time financial coaching sessions for targeted advice on specific questions. Financial Pathway operates on a fee-only basis, receiving compensation directly from clients rather than commissions or product sales, and does not maintain a minimum account size requirement.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.00% |
| $500K - $1.0M | 0.90% |
| $1.0M - $2.0M | 0.80% |
| $2.0M - $5.0M | 0.65% |
| $5M+ | 0.50% |
Annual advisory fees are negotiable, prorated, and paid in arrears on a monthly basis.