Charlotte, NC Office

Pathfinder Planning serves working families, single women, retirees and near‑retirees, and young adults with comprehensive financial planning and discretionary portfolio management. The firm also offers estate‑planning coordination, standalone hourly projects, and educational products through its Your Financial Mom subsidiary (including the SMART Women Budgeting program).

The firm's investment approach is grounded in the Efficient Market Hypothesis and academic, evidence‑based research, favoring low‑cost ETFs in a passive core with targeted factor tilts and a core‑and‑satellite framework. Portfolios emphasize fixed‑income ballast, tax management techniques (tax‑loss harvesting, Roth conversions, municipal bonds where appropriate), disciplined rebalancing, avoidance of leverage and most private alternatives, and limited use of options as hedges; the firm may include ETFs with Bitcoin or Ethereum exposure for clients but does not recommend direct cryptocurrency ownership.

Pathfinder Planning uses a documented five‑step planning process with a 30‑day follow up and offers an optional short‑term plan implementation engagement after plan delivery, including assistance with employer retirement plans and account retitling. The firm’s practice is notable for combining a small, three‑advisor CFP team with multiple institutional custodian relationships (Betterment Securities, Altruist, and Charles Schwab) and for outsourcing estate document preparation through Encore Estate Plans and coordinating notary and deed recording services on clients’ behalf.