Financial Planning

At Pathworks Financial, we believe that your financial planning process is the cornerstone of your Financial Life. Our advisers work with you to create a plan that fits you!

For most people, financial planning begins with their goals. Think about what you are trying to achieve. Many people want to buy a house for their family, pay off student debt, educate their children, and plan for retirement. Everything you do should be with your goals, their time frame, and their costs in mind.

Financial planning is more than running numbers; it involves looking at each component of your financial life and making all the parts work well together. Lifestyle choices are essential elements of your financial picture and the integration of these components is what makes a Financial Plan succeed or fail.

Our Financial Planning process looks at the six elements of your financial life to develop your plan. We look at the following to make sure you are on track and on your way to Financial Freedom.

Cash flow

Cash Flow Management looks at the amount of money that comes in and how much goes out during a given time frame.

Tax Planning

Recent tax law changes can affect your Financial Plan. There are new rules affecting tax brackets, income taxes, charitable gifting, and leaving money to your heirs.


Have you protected your family and yourself against unforeseen emergencies? Insurance on your home, car, health, and life may be something you buy and hope you'll never need, but it is prudent to have enough to meet your family's needs, just in case.


Does your investment portfolio and asset allocation reflect your feelings about investment risk? We make sure your portfolio is well-diversified among various asset classes. The portfolio you started in your 20s may not be the one you want in your 40s or later.

Retirement Planning

Most people want to get to retirement, but some people are retired for many years longer than they worked. Don't underestimate how much you need to save, and at what age you could potentially run out of money. People who live a long life and don't have a sufficient nest egg will face an unpleasant surprise later in life.

Estate Planning

Estate planning involves wills, trusts, tax planning, powers of attorney, and healthcare proxies, as well as setting up numerous ways to leave money to family members or charities after your death. We help you work through the tax consequences of receiving this money, and the best ways to structure your goals.