Pathworks Financial, Inc.

Pathworks Financial, Inc. is a registered investment adviser based in Novi, MI, established in 2005 and registered with the U.S. Securities and Exchange Commission since March 2021. The firm offers the Pathworks Asset Management Program, a wrap fee asset allocation program investing in diversified asset allocation models primarily consisting of mutual funds and ETFs across various asset classes. Clients grant Pathworks limited discretionary authority in managing their portfolios. The wrap fee is tiered based on the account size, ranging from 1.5% for up to $250,000 to negotiable for amounts above $3,000,000. Pathworks also offers investment management, financial planning, retirement plan services, and estate planning support. The firm's investment philosophy is based on Modern Portfolio Theory and the Fama-French Three-Factor Model, emphasizing diversification and long-term investments. Pathworks does not engage in performance-based fees or side-by-side management. Clients must have a minimum account size of $25,000, and the firm generally serves individuals, high net worth individuals, pension plans, estates, small businesses, and trusts. Pathworks does not vote proxies for clients and does not recommend securities in which the firm or related persons have a material financial interest. The firm's Adviser Representatives may buy or sell securities for themselves that are also recommended to clients, but client transactions take precedence. Pathworks conducts periodic account reviews and provides clients with regular performance reports. The firm does not receive economic benefits for providing services or compensate for client referrals. Pathworks has no adverse financial conditions or bankruptcy history.