# Pathworks Financial, Inc.

> Pathworks Financial, Inc. is an SEC-registered investment advisory firm in Novi, MI, registered since 2021, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated January 22, 2026.

- CRD: 138393
- Filed as: PATHWORKS FINANCIAL, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Novi, MI
- Filing period: October 2026
- Form ADV filing dated: January 22, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/138393
- AdvisorCensus page: https://advisorcensus.com/firm/pathworks-financial-inc-novi-mi-138393

## Quick answers

**How is Pathworks Financial, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Pathworks Financial, Inc. reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).

**Where is Pathworks Financial, Inc. located?**
Pathworks Financial, Inc.'s principal office is in Novi, MI, according to its Form ADV.

**Is Pathworks Financial, Inc. registered with the SEC or a state?**
Pathworks Financial, Inc. is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 138393.

**How much does Pathworks Financial, Inc. manage?**
Pathworks Financial, Inc. reports $279,258,481 in regulatory assets under management in its Form ADV filing dated January 22, 2026 (67% discretionary).

**How have Pathworks Financial, Inc.'s assets and staff changed since 2021?**
In the Form ADV data for Pathworks Financial, Inc.: Regulatory assets under management: $120,093,809 in the October 2021 data and $279,258,481 in the October 2026 data, up 133%. Total employees: 6 in October 2021 and 8 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Pathworks Financial, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (362); high net worth individuals (48).

**Which custodians does Pathworks Financial, Inc. use?**
Pathworks Financial, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and National Financial Services LLC as custodians holding 10% or more of its separately managed account assets.

**Does Pathworks Financial, Inc. report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/138393

**Does Pathworks Financial, Inc. state an account minimum?**
Its Form ADV Part 2A brochure dated January 21, 2026 says: "Pathworks requires new clients have a minimum account size of $25,000 for portfolio management services. Pathworks may, in its sole discretion, accept clients with smaller portfolios based upon certain criteria"

**What changed in Pathworks Financial, Inc.'s recent Form ADV filings?**
In the February 2026 filing data: Regulatory assets under management went from $236,868,620 to $279,258,481 (+18%). Registered or notice-filed in TX.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated January 21, 2026)

- Account minimum: $25,000 (the brochure says it may be waived or negotiated)

> Pathworks requires new clients have a minimum account size of $25,000 for portfolio management services. Pathworks may, in its sole discretion, accept clients with smaller portfolios based upon certain criteria

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- National Financial Services LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $279,258,481
- Discretionary: $187,629,653
- Non-discretionary: $91,628,828

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 362 | $86,251,118 |
| High net worth individuals | 48 | $186,885,956 |
| Banking or thrift institutions | 0 | Not reported |
| Investment companies | 0 | Not reported |
| Business development companies | 0 | Not reported |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | Not reported |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | $2,131,058 |
| Charitable organizations | 0 | Not reported |
| State or municipal government entities (including government pension plans) | 0 | Not reported |
| Other investment advisers | 0 | Not reported |
| Insurance companies | 0 | Not reported |
| Sovereign wealth funds and foreign official institutions | 0 | Not reported |
| Corporations or other businesses not listed above | Fewer than 5 | $3,990,349 |
| Other | 0 | Not reported |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2021 (5 years)
- Employees: 8 total, 5 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: FL, KS, MI, NC, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- freefinancialplan.info
- pathworksfinancial.com
- pwfin.com
- Facebook @pathworksfinancialinc
- LinkedIn @pathworks-financial

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $120,093,809 | 6 | August 20, 2021 |
| October 2022 | $145,478,627 | 6 | February 25, 2022 |
| October 2023 | $155,940,090 | 8 | September 5, 2023 |
| October 2024 | $144,412,352 | 6 | September 10, 2024 |
| October 2025 | $236,868,620 | 7 | March 26, 2025 |
| October 2026 | $279,258,481 | 8 | January 22, 2026 |

Regulatory assets under management: $120,093,809 in the October 2021 data and $279,258,481 in the October 2026 data, up 133%.
Total employees: 6 in October 2021 and 8 in October 2026.

## Changes in the filing (last 12 months)

### February 2026
- Regulatory assets under management went from $236,868,620 to $279,258,481 (+18%).
- Registered or notice-filed in TX.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Pathworks Financial, Inc. (CRD 138393): Form ADV filing data as of October 2026.