# Pathways Financial Planning

Pathways Financial Planning is an Asset Manager based in United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** United States
- **Region:** North America
- **Assets under management:** Undisclosed
- **Website:** pathwaysplanning.com

## Regulatory record

- **CRD number:** 334143
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/334143

## About

PATHWAYS FINANCIAL PLANNING is a state-registered investment adviser in Neptune, NJ. It has one employee and one investment adviser. The firm is based in New Jersey.

## People

- J. David Lewis — Founder and President

## Questions

### What is the firm's approach to retirement income planning?

Pathways Financial Planning places retirement income planning at the center of its advisory process. The firm models lifetime cash flows, tax liabilities, and Social Security claiming strategies before determining asset allocation. This methodology inverts the common industry practice of starting with a risk-tolerance questionnaire and then back-filling an income projection.

### Does Pathways Financial Planning construct its own investment products?

No. The firm does not manufacture proprietary funds or structured products. It builds client portfolios using low-cost, passively managed mutual funds and exchange-traded funds from established institutional managers. The value proposition rests on the planning and fiduciary oversight, not on proprietary investment vehicles.

### How is the firm compensated?

Pathways Financial Planning operates on a fee-only basis, meaning it is compensated directly by clients for planning and investment management services and does not accept commissions, referral fees, or revenue-sharing payments from product providers. This compensation structure aims to minimize conflicts of interest in portfolio construction and product selection.

### Does the firm incorporate ESG criteria into portfolio construction?

Yes. The firm integrates environmental, social, and governance factors into its portfolio construction process for clients who request it, using publicly available ESG-screened fund strategies. This service is part of a values-aligned investment offering rather than a standalone product.

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- [Foothills Capital Management](https://altss.com/profile/foothills-capital-management-llc)
- [Garbett Investments](https://altss.com/profile/garbett-investments)

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Last updated: 2026-06-03T20:00:00.000Z

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