Pathways Financial Consulting LLC is a financial advisory firm led by principal Paul Cloonan, CFP® and CFA®, serving individuals and families as they navigate investing, retirement, and other financial decisions. The firm emphasizes personalized, cost-effective guidance and states that it does not earn commissions from financial product sales. Its approach combines investment expertise, financial education, and a custom plan designed around each client’s goals, time horizon, and risk tolerance.

Services include investment and wealth management, portfolio construction and risk management, retirement planning, tax planning, and comprehensive financial planning. The firm also offers guidance on cash flow, estate and insurance topics, and financial decisions across different life stages. Its clients include retirees and pre-retirees, small business owners, people caring for elderly parents, and families saving for college. Pathways follows a three-step process: learning about the client’s finances and goals, developing a strategy, and helping keep the plan on track as life and markets change. The firm is based in Needham Heights, Massachusetts, and offers introductory consultations.