Investment Management Services
A trusted partner in growing & protecting your wealth.
Pathways Advisory Group is a fee-only financial planning firm, based in Fresno, CA, specializing in personalized investment strategies. We help balance growth and risk to achieve your financial goals. Let us help you build a secure future with confidence.
What We Do
Most investors (and far too many advisors) do not know how to construct a portfolio. Diversification is highly touted, but rarely implemented. First comes education. We review important principles of investing, types of investments, and historical return and volatility characteristics. Together, we determine an appropriate investment mix. Using a structured, logical approach, we construct a portfolio of low-cost no-load mutual funds and Exchange Traded Funds (ETFs) carefully diversified across many distinct asset classes.
Most investors (and far too many advisors) do not know how to determine an appropriate level of volatility.
What portion of the portfolio should be allocated to growth (stocks)? What portion to income (bonds)? What is volatility and should it be avoided?
There is a critical tradeoff between growth and a more stable experience. There is no free lunch here. We spend considerable time educating clients on this tradeoff. We prepare them for the volatility inherent in their chosen allocation. We periodically revisit this discussion as the client’s circumstances and risk tolerance change.
We maintain our chosen allocation mix with periodic rebalancing. This discipline protects us from the dangers of trying to “time” the market, or to make decisions clouded by emotions. We invest in a tax-advantaged manner whenever possible. You receive regular and detailed visual performance reporting.
Why We Do It
A solid, well-designed wealth-building portfolio is the key to a successful lifetime plan. Inefficient investment decisions can derail a financial plan. We do not invest based on hunches or last year’s winner. Our main goal is to capture market returns and minimize costs.
History reveals that investors do not need to “beat the market” to be successful. In fact, history shows that timing the market or attempting to outperform market returns often leads to underperformance. Don’t get greedy. There is too much at risk - underperforming the market can have a devastating impact on the overall success of the financial plan.
What We Don’t Do
We do not time the market. We don’t search for the next great high-flying stock. On any given day, many analysts evaluate an individual stock. Some buy, some sell. The net result is a pretty good indication of the stock’s true value based on known information that day. We do not believe there is enough inefficiency to beat the market on a consistent basis.
Secure your financial future.
Contact Pathways Advisory Group today to schedule a consultation and take the first step toward achieving your financial goals.