Our Services

Our Services

At Pathway Financial Planning our passion is to help conservative individuals and families reduce the risks associated with investing, saving, and managing their money. We accomplish this through goals-based financial planning that incorporates time-tested principles, not predictions.  We recognize it’s YOUR nest egg, YOUR life’s work, YOUR legacy.  We are firm believers in prescribing financial strategies AFTER completing a thorough financial diagnosis.  To achieve this we are committed to a process that begins with you getting to know us and how we set ourselves apart from most financial firms.  From there, we want to get to know you, your goals, dreams, interests, family history dynamics, career history or path, and generally what you are passionate about.  People often comment about how other advisors they have worked with previously never took the time to ask these kinds of questions of them.  That seems a little strange to us.  We enjoy these conversations not only because we find it imperative to the financial planning process, but because it helps us build deep, meaningful relationships with our clients.

From our vantage point, comprehensive financial planning differs from mere investment advice.  Although portfolio management is important, and we do offer the professional experience to assist in this realm, we believe our planning provides more value to our clients than any investment could ever possibly provide.  There is much more to focus on than just risk tolerances, asset allocations, and returns.  In fact, we find that retirees, investors, and accomplished individuals who only concentrate on these matters end up costing themselves and their beneficiaries unexpected and unnecessary expenses such as missed financial opportunities, higher income and estate taxes, among other things.  A well devised financial plan begins with a solid relationship.  The better we know our clients, the better we can Plan First and Invest Second™ and offer the following services appropriately:

  • Comprehensive Financial Planning
  • Comprehensive Retirement Planning
  • Wealth Accumulation and Preservation Strategies
    • Asset Cycle Portfolio System®
    • Formulaic Investment™ Services
    • Income Tax Reduction Strategies
    • Social Security Maximization
  • Tax Efficient Income Planning
  • IRA, Roth IRA, and Stretch IRA Strategies
  • Financial Estate Preservation
  • Long Term Care Risk Mitigation
  • Life Insurance Audits and Strategies
  • Financial Estate Planning
  • Financial Legacy Planning

Our goal is to provide creative and thorough financial guidance.  If this sounds refreshing and you would like to sit down for a conversation to learn more, we invite you to an upcoming seminar, lunch and learn, or to simply sit down over a cup of coffee or soft drink. 

Ben Harvey is an investment adviser representative of, and securities and advisory services are offered through, USA Financial Securities Corp., Member FINRA/SIPC. www.finra.org A Registered Investment Adviser located at 6020 E. Fulton St., Ada, MI 49301. Pathway Financial Planning, Inc. is not affiliated with USA Financial Securities.

Ben Harvey is authorized to transact securities related business and investment advisory services only in states where he is properly registered. For investment products and services these states include: IN, OH. For investment advisory services these states include: IN, OH. Additionally, clients who are not residents of these states cannot be serviced. This website is not intended to provide investment, legal, or tax advice, nor to effect securities transactions or to render personal advice for compensation. 

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