Business Details
50+ Years
experience
Your Trusted Financial Advisers in Germantown, TN
Pathway Financial Services was established in 1972 with a commitment to guiding clients through their financial journeys with compassion and integrity. Our mission centers on helping clients achieve their financial goals by providing personalized, knowledgeable advice tailored to individual needs. We prioritize building trust through long-term relationships supported by a team of courteous, service-oriented advisors. Our independent approach allows us to evaluate diverse investment options to create strategies aligned with clients' objectives, whether for retirement, education, or other life milestones. We emphasize flexibility, adapting plans as clients' circumstances evolve, and maintaining a focus on long-term financial security. Our expertise spans individual financial planning, asset management, and employee benefits for small to mid-sized businesses.We operate with transparency, ensuring clients understand the rationale behind investment decisions while adhering to professional and ethical standards. Our team includes certified professionals with decades of combined experience in financial planning and advisory services. We serve clients across multiple states, offering securities and advisory services through registered partnerships while maintaining compliance with industry regulations. Our dedication to client satisfaction is reflected in our personalized approach and commitment to continuous support throughout every stage of the financial planning process.
Services
Personal Financial Planning
Asset Management
Business Employee Benefits
Retirement Plans for Small Businesses
Financial Calculators
Details
- Year established: 1972
Highlights and features
- We offer over 50 years of combined experience in personalized financial planning.
- Our team includes Certified Financial Planners with specialized expertise in retirement strategies.
- We provide independent, unbiased advice with access to a wide range of investment options.
- Our client-centric approach prioritizes long-term relationships over transactional interactions.
- We maintain transparency in all recommendations and fee structures.
Services
Personal Financial Planning
We create customized financial strategies aligned with individual goals, covering retirement, education funding, and estate planning. Our process begins with understanding your unique circumstances through detailed consultations. Certified advisors develop actionable plans that adapt to life changes while maintaining focus on long-term objectives.
Asset Management
Our approach balances growth, income, and tax efficiency through diversified portfolios tailored to risk tolerance. We emphasize professional management at both investment and strategic levels. Regular reviews ensure alignment with evolving market conditions and client objectives while maintaining liquidity and tax-advantaged positioning.
Business Employee Benefits
We help businesses design comprehensive benefits packages including health insurance, retirement plans, and disability coverage. Our independent consulting approach matches companies with optimal providers. Services include plan implementation, compliance support, and ongoing administration for small to mid-sized employers.
Retirement Plans for Small Businesses
We specialize in establishing SEP IRAs, SIMPLE IRAs, and 401(k) plans for business owners. Our guidance covers tax advantages, contribution limits, and compliance requirements. We help implement cost-effective solutions that attract talent while securing owners' retirement goals.
Financial Calculators
We provide interactive tools to model financial scenarios including retirement savings, investment growth, and tax implications. These resources help clients visualize different strategies and understand potential outcomes. Our advisors interpret results to inform decision-making processes.
People
Charles R. Kelley
Chairman Emeritus
30+ years in financial services, Chartered Life Underwriter and Chartered Financial Consultant, founder of Pathway Financial Services, and author of 'Dreamer to Dreammaker'.
Cheryl R. Kelley
President
Certified Financial Planner with 25+ years experience, specializes in portfolio development and financial planning, holds Series 7, 6, 63, and 65 licenses.
Matthew W. Bailey
Vice President
Certified Financial Planner with expertise in employee benefits and investment modeling, holds Series 7, 51, 66, and 24 licenses, 20+ years in financial services.
ReneaJayne
Client Services Administrator
22 years in financial services, supports high-net-worth clients with administrative needs, 30+ years total client service experience.
Gena Poole
Employee Benefits Administrator
40+ years in insurance industry, specializes in group benefits administration, individual health/life insurance, and annuities with extensive client service background.
Questions
What financial planning services do you offer?
We provide comprehensive personal financial planning, including retirement strategies, education funding, tax-efficient investing, and estate planning tailored to individual goals.
Do you work with small businesses?
Yes, we specialize in designing employee benefits packages and retirement plans for small to mid-sized businesses, including 401(k)s and SEP IRAs.
Are your advisors certified professionals?
Our team includes Certified Financial Planners with specialized credentials like Chartered Life Underwriter and Chartered Financial Consultant designations.
What investment approach do you use?
We employ a diversified, risk-appropriate strategy focused on long-term growth while maintaining tax efficiency and liquidity for client needs.
How are your services priced?
We offer transparent fee structures with no hidden costs, providing clear explanations of all charges before implementing any financial plan.
