Pathfinder Financial Services

Welcome to Pathfinder Financial Services, LLC, a Limited Liability Company based in the beautiful state of Hawaii. Our primary goal is to guide our clients towards financial clarity and help them make informed decisions about their investment strategies. Led by Founder and President, David Jacobs, Ph. D., CFP, our team is committed to providing personalized, fee-only fiduciary services that prioritize our clients' best interests.

Our Services

At Pathfinder Financial Services, we offer comprehensive investment strategy services designed to help you discover, decide, and do. Our services include:

• Investment Supervision Only: For those who have already decided on their investment strategy but need professional oversight, we offer investment supervision services to ensure your portfolio stays on track.

• Resources: We provide an extensive range of resources to help you better understand the intricacies of investing. Our resources include executor checklists, evaluations of startup ISOs, taxation of RSUs, ISOs, and NSOs, as well as recommendations for worthy financial planners and books.

Discover/Decide/Do

Our unique three-step process is designed to help you navigate the complex world of investing. During the Discover phase, we work closely with you to understand your financial goals and risk tolerance. In the Decide phase, we present you with a customized investment strategy that aligns with your financial objectives. Finally, in the Do phase, we implement the investment plan and provide ongoing supervision and support.

Investment Strategy

Our investment strategy is built on a foundation of thorough research and analysis. We employ evidence-based investing principles to create globally diversified portfolios that are designed to achieve your financial goals while minimizing risk. Our approach is based on the following evolution of investment strategies:

1. Stock Picking: While this approach may seem appealing, the data shows that it's difficult to consistently outperform the market.

2. Active Management: Active managers attempt to beat the market by selecting individual securities or timing the market. However, research indicates that the majority of active managers underperform their benchmarks.

3. Passive Management: Passive management involves tracking a market index, such as the S&P 500. This approach has been shown to provide consistent, long-term returns.

4. Enhanced Indexing: At Pathfinder Financial Services, we take passive management a step further with enhanced indexing. This approach combines the benefits of passive management with certain elements of active management to optimize returns.

Our Commitment

As a fee-only fiduciary, we are committed to providing unbiased, objective advice that is always in your best interest. We do not receive commissions or any other form of compensation from third parties, ensuring that our recommendations are solely based on your financial needs and goals.

Meet David Jacobs

David Jacobs, Ph. D., CFP, is a native Hawaiian and Punahou graduate with a passion for helping people, acquiring knowledge, and solving puzzles. After a successful 20-year career in computer research, David recognized the need for financial advisors who holistically address clients' financial lives. In 2003, he established Pathfinder Financial Services, LLC, and has since dedicated himself to advancing the state of the art for financial planning through continuous education and research.