Quincy, IL N 36th Street Office

PurposePath Capital provides discretionary and non‑discretionary portfolio management and separate financial planning and coaching to individuals, high‑net‑worth clients, entities and 401(k) plans, managing roughly $63 million for about 135 clients. Engagements can include direct asset management or delegated management to outside managers, and written financial plans are prepared using third‑party planning software.

The firm’s investment process is grounded in Modern Portfolio Theory, using mean‑variance optimization and dynamic financial analysis to set asset allocation and stress‑test models; portfolios typically employ diversified ETFs, mutual funds, equities, fixed income, and private funds. For larger or fixed‑income accounts PurposePath uses third‑party model portfolios and bond‑ladder programs (contracted with outside managers) and conducts ongoing monitoring and rebalancing guided by strategic and tactical allocation choices.

PurposePath is owner‑held through a separate legal entity and operates with a small advisory team, a structure that can result in more direct oversight and individualized implementation compared with larger firms. The firm’s adviser is also licensed to sell insurance and the brochure discloses potential conflicts from commissions and profit‑sharing on certain private investments, along with written policies and disclosures intended to manage those conflicts.