Pathworks Financial, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Pathworks Financial, Inc. is an SEC‑registered investment adviser that serves individuals (including high‑net‑worth clients), pension and profit‑sharing plans, trusts, small businesses, and estates. The firm provides a range of services including discretionary and non‑discretionary asset management (including its internally sponsored wrap program), financial planning, retirement plan consulting, estate‑planning support via a third‑party platform, strategic cash management, and family office services.
The firm’s investment approach draws on academic frameworks such as Modern Portfolio Theory and the Fama‑French model to build broadly diversified asset‑allocation models that rely primarily on mutual funds and ETFs and are periodically rebalanced. Pathworks also evaluates alternative investments — including private funds and digital assets — and discloses use of Fidelity Digital Asset Services as a custodian for clients’ digital asset holdings.
Compared with many peers, Pathworks acts as the sponsor of its SAM wrap fee program and offers family office services typically targeted to households with $25 million or more in assets under management or advisement, while also providing ERISA 3(21) retirement‑plan consulting. The brochure further discloses that some adviser representatives are licensed insurance agents who may receive commissions for insurance products and that estate‑planning documents are prepared through a firm‑facilitated third‑party service (Estate Guru), each of which the firm notes can present potential conflicts of interest for clients to consider.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Financial Planning Fees $795 to $2,500; Estate Planning Fees $350 to $1,500; Family Office fixed fees $150,000 to $300,000
$0 - $250,000: 1.5% (SAM Wrap Program) $250,001 - $500,000: 1.25% (SAM Wrap Program) $500,001 - $1,000,000: 1.00% (SAM Wrap Program) $1,000,001 - $3,000,000: 0.75% (SAM Wrap Program) Above $3,000,000+: Negotiable (SAM Wrap Program) $0 - $250,000: 1.6% (Investment Management Fees) $251,000 - $500,000: 1.5% (Investment Management Fees) $500,001 - $1,000,000: 1.00% (Investment Management Fees) $1,000,001 - $3,000,000: 0.75% (Investment Management Fees) Above $3,000,000+: Negotiable (Investment Management Fees) $0 - $250,000: 1.25% (Retirement Plan Services) $251,000 - $500,000: 0.95% (Retirement Plan Services) $500,001 - $1,000,000: 0.75% (Retirement Plan Services) $1,000,001 - $3,000,000: 0.55% (Retirement Plan Services) Above $3,000,000+: 0.50% (Retirement Plan Services)
Account minimum: $25,000 Fee-only: Flat fees $795 to $2,500 for financial planning; Family Office fixed fees $150,000 to $300,000, asset-based Family Office fees generally 0.65%
Main office
43155 Main Street, Suite 212
Novi MI 48375
Advisors at this office
5
Most active in
Florida · Kansas · Michigan · North Carolina · Texas
Also doing business as
Center Street Financial · Desco Properties, LLC · Executive Benefit Plans, Inc. · Pathworks Fiancial, Inc. · Pathworks Financial, Inc. · Scott Smith Financial · Scott Smith Financial, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Robert S
ChFC®, Series 63
Novi, MI
Pathworks Financial, Inc.
Robert Schmansky is a ChFC® credentialed financial advisor with 17 years of industry experience. He is currently with Pathworks Financial, Inc., where he has worked for two years, and has been associated with Clear Financial Advisors, LLC since 2011. Outside of his advisory roles, he is involved in tax preparation services through Royal Oak Tax Preparation Services, LLC. Pathworks Financial, Inc. is an SEC-registered investment adviser serving individuals, pension and profit-sharing plans, trusts, small businesses, and estates. The firm employs academic investment frameworks to build diversified asset-allocation models and offers services including asset management, financial planning, retirement consulting, estate planning support, and family office services.
David M
ChFC®, Series 63
Novi, MI
Pathworks Financial, Inc.
David Mercier is a financial advisor at Pathworks Financial, Inc. with 41 years of industry experience. He holds the ChFC® and Series 63 designations and has worked at several firms including Scott Smith Financial, Inc. and Sigma Financial Corporation. Outside of his advisory work, he serves as secretary and treasurer of a small private hunting club. Pathworks Financial, Inc. is an SEC-registered investment adviser serving individuals, pension plans, trusts, small businesses, and estates. The firm offers diversified asset management, financial planning, retirement consulting, and family office services, using academic investment models and including alternative investments such as private funds and digital assets.
Douglas S
CFP®, Series 63, Series 65
Novi, MI
Pathworks Financial, Inc.
Douglas Smith is a CFP® professional with 15 years of industry experience, currently serving at Pathworks Financial, Inc. He has held roles at Pathworks Financial, LLC and Center Street Holdings, LLC, and is also a licensed real estate broker with Center Street Realty, LLC. Pathworks Financial, Inc. is an SEC-registered investment adviser that serves individuals, pension and profit-sharing plans, trusts, small businesses, and estates. The firm employs academic investment frameworks to build diversified asset-allocation models and offers services including asset management, financial planning, retirement consulting, and family office support.
Karrie M
Series 65
Novi, MI
Pathworks Financial, Inc.
Karrie Maier is a financial advisor at Pathworks Financial, Inc. with two years of industry experience. She holds a Series 65 designation and has worked at Pathworks Financial since 2021. Prior to her advisory role, she was a homemaker and worked at Desco Properties. Pathworks Financial, Inc. serves individuals, pension and profit-sharing plans, trusts, small businesses, and estates, offering services such as asset management, financial planning, retirement plan consulting, and family office services. The firm uses academic investment models to construct diversified portfolios and evaluates alternative investments, including digital assets.
Bryan S
Series 65
Novi, MI
Pathworks Financial, Inc.
Bryan Smith is a financial advisor at Pathworks Financial, Inc. with eight years of industry experience. He holds a Series 65 credential and has worked at Pathworks Financial since 2017. In addition to his advisory role, he is a licensed realtor and works part-time selling residential real estate through Center Street Realty, LLC. Pathworks Financial, Inc. serves individuals, pension and profit-sharing plans, trusts, small businesses, and estates. The firm employs an investment approach based on academic models like Modern Portfolio Theory and the Fama-French model, offering diversified asset allocation primarily through mutual funds and ETFs, along with alternative investments and family office services.
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