Guided Path Financial

Guided Path Financial is an SEC‑registered investment adviser that provides discretionary and non‑discretionary investment management and financial planning to individuals, high‑net‑worth clients, trusts and qualified retirement plans. The firm also offers advisory services to employer retirement plans, including recommending and monitoring plan investment options and assisting with written investment policy statements.

The firm says it customizes portfolios to client objectives using primarily fundamental analysis and generally pursues a long‑term investment approach while making shorter‑term trades when appropriate. Guided Path implements strategies using mutual funds, ETFs (including defined‑outcome or “buffer” ETFs for downside protection), equities, REITs and annuities, and it combines asset‑based advisory fees with the option of fixed or hourly billing for financial planning engagements — the availability of hourly billing is less common among managers in this category.

Guided Path disclosed that it was newly registered and had not reported assets under management at the time of filing, and the brochure highlights that some advisory personnel also operate as registered representatives and licensed insurance agents, creating potential commission conflicts that the firm discloses and says it seeks to manage. The firm also describes an institutional custodial relationship that provides technology, research and limited financial support during initial client onboarding, a practice the brochure notes may influence custody recommendations and is disclosed to clients.