Lake Wylie, SC Office
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Pathfinder Planning LLC
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About
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.
Based on Pathfinder Planning LLC
Expertise
Based on Pathfinder Planning LLC
Location
Lake Wylie SC
Advisors at this office
2
Advisors at this office
Pam H
CFP®
Lake Wylie, SC
Pathfinder Planning LLC
Think of me as Your Financial Mom - the planner that works with regular families. Throughout my career, it seemed that financial advisors were always looking to sell their products or manage money to retirees, business owners, or those with lots of money - no one wanted to plan and budget for everyone else. Our clients look like just like regular people: Mom and Dad who get up in the morning, get the kids off to school, work all day either at home or an office, come home, get dinner on the table, pay the bills, and have a little money in their retirement account You will get the tools and advice needed to plan your retirement, create your budget, and save for your goals. Our local and national resources can help you put together your will or review your insurance. Each client receives an easy-to-read financial plan outlining your current situation, alternatives to reach your goals, and an action plan to get you there.
Karina M
CFP®, ChFC®
Lake Wylie, SC
Pathfinder Planning LLC
Karina Moretz is a CFP® and ChFC® at Pathfinder Planning LLC with one year of industry experience. Prior to joining the firm, she spent seven years as a homemaker. Pathfinder Planning serves working families, single women, retirees, near-retirees, and young adults with comprehensive financial planning and discretionary portfolio management, using an evidence-based investment approach centered on low-cost ETFs and tax management strategies.
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