Kinetic Pathways provides personalized investment management and financial planning services for individuals, trusts, estates, and charitable organizations. The firm primarily builds portfolios using structured notes and market-linked certificates of deposit to help clients maximize income while managing risks. In addition to managing investments, Kinetic Pathways offers comprehensive financial planning covering retirement strategies, tax optimization, cash flow analysis, budgeting, estate planning, and asset protection. Kinetic Pathways operates as a single-person firm managed by Jay A. Thurlow. The firm does not have any minimum account size requirements for opening or maintaining an account. In addition to investment advisory services, the firm's representative is a licensed insurance agent and co-owner of an insurance agency, creating a potential conflict of interest where insurance commissions may represent a significant portion of business revenues. Kinetic Pathways recommends Charles Schwab & Co. and Altruist Financial as qualified custodians for client accounts.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 2.25% |
Management fees range up to 2.25% per annum depending on strategy complexity and account size. Fees are negotiable.