Pathway Investments, LLC

Pathway Investments provides personalized financial planning and discretionary investment management to individuals, as well as to pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm also offers management of variable annuity and variable life products and prepares written analyses such as net worth statements and risk assessments for clients.

Portfolios are managed on a discretionary basis using an investment policy tailored to each client’s goals, time horizon, and risk tolerance; the firm documents objectives in client-specific investment policy statements and conducts quarterly reviews, with additional reviews as market conditions dictate. Methods of analysis include charting, fundamental, technical, and cyclical techniques, and clients may impose restrictions on holdings if desired.

Compared with many peers, the firm’s managing member concurrently operates an insurance agency and a tax-preparation practice and spends approximately half of his time on those activities, which creates potential conflicts when insurance products are recommended and is disclosed in the brochure. The firm also provides ERISA plan services (including limited-scope 3(21) fiduciary services and the capacity to serve in a 3(38) role), which—together with direct management of variable annuity/life contracts—is less common among independent advisors of this size.