I spoke with Jennifer roughly 6 months ago and just had an initial consultation. She was so kind and encouraging, and informative. I had reached out to other financial planners, one who never pinned down a date with me and another who was incredibly negative about my situation, and frankly scared me. I shared my debt and expenses with Jennifer and we had an honest and encouraging conversation, she even went over the 30 minutes mark. I hope I'm positioned better soon to use her services more! But it was a nice start. :) read more

Pathway Financial has helped us tremendously. We were late getting into the whole "save for retirement" game, and Jen has steered us right! Before we met her, we were in debt (failed business), and clueless as to our savings and 401k's. Over the last few years, with her guidance, we have gotten out of debt and are well on our way to building our financial future! read more

If you're seeking sage, sound advice from a knowledgeable, caring professional, look no further. We have been with Jennifer Mulder at Pathway Financial Services for several years now, and she has provided us with the guidance and support we desperately needed to create financial plans and investments. In addition to being easy to talk with and personable, Jen is professional and insightful. Amazing follow-ups and meaningful meetings every time. I cannot recommend Jennifer Mulder and Pathway Financial Services high enough. Just talk with her - you'll be a fan, too. read more

Working with Pathway Financial Service is the best decision I've made! I trust Jen explicitly to give guidance and make financial decisions in my best interest; whether it's credit card balances, stocks/bonds, school loans, or retirement. I've worked with her for over five years -I don't ever have to worry about my finances, what a relief! I am confident in her knowledge and professional guidance. Jen explains things clearly and is patient with any questions I have. She is very responsive, warm, friendly, and a pleasure to work with! read more

I've been working with Jen for about a year now and know I'm in good hands. She's guided me through a few different situations so far. I really appreciate that she gives advice in a warm and supportive way; it's clear that she truly cares about her clients. read more

Jen is seriously amazing. I had a bunch of policies at Northwestern Mutual that I bought and Jen went through them for me, explained what the pros and cons of each were, and gave me her recommendation on what I should do going forward with investing. I'm so glad I spoke to her and will return to her if I need financial advising again! read more

Jen was wonderful to work with! My husband and I did a personalized financial plan with her -- she took the time to understand our goals, thoroughly explain concepts, and explain and write up all her recommendations and reasoning in a way that was very clear and easy to take action on. She was also available for any additional questions we had, which was incredibly helpful. We can't recommend her enough! read more

I've been looking for a financial planner like Jen for literally years with no luck. All I wanted was a stellar financial planner whom I could pay by the hour without having to give her all my money to reinvest. Someone who could look at my financial situation and give me the best possible advice without any conflict of interest. So for example, anyone who knows anything about investing knows that Vanguard Total Stock Market Index funds are a solid, zero-effort, low-fee way to invest. But the typical financial planner can't tell you that, because you're paying them a ton of money to hand-pick your investments for you. Jen is different. Her sole motivation when talking to you is making sure you're making sound financial choices that not only protect you against worst-case scenarios, but that also allow you to enjoy life and pursue your dreams. My husband and I felt so genuinely cared-for and and understood by Jen, and she gave us an unbelievable amount of terrific financial advice that will absolutely change our lives for the better. It's always such a privilege to work with someone who sees their job as a real calling, and Jen is clearly that. And as if that weren't enough, her rates are incredibly reasonable considering the value she brings and what other companies charge. My husband, who is suspicious of almost everyone, actually liked and trusted her. Can't recommend her highly enough. read more

I try to be very involved in preparing for my future, but I know I can't do it alone. Jen's been great on creating a plan that works for me and I'm comfortable with. Her communication skills and quick responsive to any questions are above and beyond. Knowledgable, patient, and a pleasure to talk to. I always enjoy our meetings. Jen has taken the stress out of how I should manage my money for the future, I can't recommend her enough! read more

Jen was so wonderful to work with! She gave us excellent guidance and was completely nonjudgemental. She took the time to really get to know us, and our goals and dreams, so that she could make informed recommendations about our financial planning. Working with Jen has set us on a solid path toward retirement! read more

I had no clue not only about how plan for a stable financial future but also how to find someone to trust enough to work with in pursuit of that goal. That is until I found Jennifer. My neighbor had recommended her. I'd worked with someone before that, and because he'd worked through commission, it didn't feel right. Jennifer immediately offered refreshing assurance with the no commission work setup she explained to me. Instead of commission, I paid her for her work. It's a good value. She set my family and I up in easy steps. She was easy to work with, and as an extra bonus, was nice, too! read more

Jen is amazing. We initially hired Jen to help navigate a specific financial situation but ended up getting tips that are changing my life long term. Sharing finances feel vulnerable and her intelligent, patient, non-judgemental, practical, compassionate honesty has been invaluable to me. Being able to make educated decisions has been a huge relief. I trust her and I really appreciate her. read more

Working with Jen is an absolute delight. My husband and I had been thinking about meeting with a financial planner for ages, a seemingly daunting process. Jen came highly recommended by colleagues of mine and we were lucky enough to have won her services in an auction as part of a nonprofit fundraiser. We live in Tennessee but we were able to do our consultations online. She made the process seamless, answered all of our questions and provided sound, easy-to-understand recommendations. She also ran a couple of different scenarios for us, and I feel very confident in our financial future. We will definitely be back over the years to check in and make sure we're still on track for our retirement. Don't hesitate to set up an appointment! read more

Jen Mulder has a great attitude about how I could manage money without so much worry and stress. I had my questions about what to do about my various retirement accounts from different jobs, and Jen was very practical in her advice. Her empathy and kindness makes it possible for me to trust her with what might seem like a "dumb question" in my head, or something very personal. Jen is clear about what options are available and really has my best interest in mind. I also asked Jen to help an elderly neighbor sort out her retirement money so we could plan out how to best support her ongoing assisted living expenses. We also had to deal with a past period of a difficult medical situation. This neighbor was very anxious about everything and had trust issues, and Jen had the incredible patience to help us streamline her finances that were scattered everywhere. This was a time that was so stressful and overwhelming, and Jen's voice of reason made it possible for us to put most things together and now, my neighbor's money situation is on cruise control. My anxious elderly neighbor can now trust that her retirement money has excellent oversight and we can keep her in a comfortable living situation. Thank you Jen for creating Pathway Financial Services so you can help with untraditional clients like my neighbor! read more

We initially hired Jen Mulder to review our complex financial situation, and consolidate pieces from multiple sources into one coherent plan. She provided strategy and planning advice on education plans, real estate scenarios, and retirement planning. Her approach was consistently solid, easy to understand, and practical. She really listened to what we wanted and the documentation she provided is a great resource. Months later Jen briefly consulted with us, reviewing a proposal we were uncertain about, at no charge. We plan to continue to seek her advice in the future! read more

Jen has been very helpful with answering some questions regarding my personal finances. With her help I have been able to pay more back on my student loans, finally put money into my 401k, and have a healthy savings. I highly recommend her services! read more

For the past three years, Jen's guidance has served me very well through some big changes. She really listens and wants to know what's going on with ME, then she presents me with options tailored to what my goals are, not just my financial goals, but my personal and professional goals, too. When I have a question, she always takes the time to make sure I understand before moving on to the next item of business. Her approach makes making big financial decisions much less nerve-wracking. read more

My wife and I have now met with Jen twice. Within two months she has fully organized us, analyzed our income and created a full budget for us. She is very kind and understanding of the daunting feelings that come along with financial organization. Her fees are affordable and more than worth the money invested. We now have an organized budget, my wife and I are on the same page and Jen has made that possible for us. I highly recommend working with Jen! read more

Jen Mulder is an amazing financial planner. I was basically a financial mess when I met with Jen. She took the time to get to know me and my interests and my spending habits and figured out the best way for me to maintain an active lifestyle and still start financially saving for the future. Now thanks to Jen, I am out of debt, have 2 retirement accounts and a credit score I can be proud of. read more

I no longer have to fret about my investments and my retirement accounts - whether they're invested in the best places, what's happening in the markets or if there was something else I was supposed to take care of. Jen at Pathway Financial Services takes care of all those things now and I've never felt calmer or more confident about my future. Jen is an independent fee-only financial advisor, which is really important. That's how you know she's got YOUR best interests at heart - because you're the only one paying her! She doesn't have any obligations to particular funds or to sell certain products and there's no "big boss" telling her she has to operate a certain way. Jen does her homework diligently. First, she takes time to get to know YOU - what your interests & concerns are, what your investment style is and what you're aiming for. Then she goes out & finds a selection of investments hand-picked to match your own style. Jen is an incredibly patient and clear-spoken coach / advisor. She explains everything thoroughly using language that even financial neophytes like me can understand. And she doesn't mind explaining the same things again the next time you meet. She's warm, compassionate and well-versed. If she doesn't know the answer, she'll say so - and then she'll go find it for you. If you've got a lot of money to invest, advisors line up at your door, eager to help you invest it. If you DON'T, they won't give you the time of day. Jen will. She specializes in looking out for the little people - and she does a GREAT job of it, too! read more

I am a small business owner, and my boyfriend works for a large corporation. Since we have such different financial circumstances, it was high on my list for us to see a financial planner. As someone who is new to the world of financial planning I had a hefty list of questions. Jen was wonderfully patient and extremely knowledgable. I so appreciate the clarity she gave me about the importance of diversifying investments. You won't be disappointed with Financial Pathway Services. Thank you Jen! read more

Jen was great! I had previously had a bad experience with a firm that high annual rates and my portfolio was not performing. I wanted something flexible that put me on the right path but did not charge an annual fee. Jen was great at listening to what I needed and proposing a simplified option to set me on a great financial path. I'd recommend her to anyone looking for solid financial planning advice at a great rate. read more

When my husband and I were about a year away from getting married we decided to try to find a financial planner. No, we weren't even married yet, but we had always heard that financial woes were such a common downfall for couples, so we wanted to go into marriage with our best feet forward! We were trying to find someone who would be willing to listen to all of our financial questions, woes, and confusions, not just move our money around in the stock market. However, finding a financial planner who didn't just want to manipulate a 100K portfolio from the start was another matter. We finally asked our tax accountant for a recommendation, and she led us to Jennifer Mulder at Pathway. Jennifer was, and remains, the perfect advocate and adviser for us. I'm positive that she would be just as good of a fit for individuals. Our sessions with her are never hasty or rushed. She always speaks to both my husband and I in pedestrian terms about our retirement accounts, investments, and our daily budgeting. We always leave her office feeling like we are on the same page and we can do this! The future looks manageable. We've never regretted our choice to work with her. read more

As this was my first time seeking a financial planner, I was completely clueless. I wanted to make sure I found an adviser that would truly have my best interests in mind. Luckily, I found that with Jen! For someone that knows little to nothing about investing and finance, Jen walked me through everything I needed to know in a way I can understand. She was educational, without patronizing me, and I'm truly thankful for Jen's help. I feel confident in my future financial decisions thanks to her. Highly recommended! read more

I recently reinvested all of my retirement income and worked with Pathway on a new plan for my future. Even though I don't have lots of money to invest, Jen still takes my concerns about retirement seriously and is willing to offer expert advice. Jen recommended many helpful tools including a financial tracking app to help me control my family spending. It is very easy to talk to Jen about sensitive financial concerns and questions. She is knowledgeable and calm and very practical. Jen explained her rationale and plans very clearly and asks lots of questions to determine my risk-tolerance. She is patient and never wastes my time. Her fees are very reasonable and easy to understand. read more

I needed some financial clarity and Jen delivered. She was able to quickly assess my budget and debts and figure out a plan that worked best for me. Thanks to Jen, I finally have a clear outline for how to spend and how to save. read more

Working with Jen Mulder was a positive experience from start to finish. She took the time to really listen to our needs and was able to synthesize recommendations that fit us perfectly. Since at times my husband and I had slightly different perspectives and priorities, Jen offered scenarios that addressed both of our issues so that we could continue the conversation, considering both options. She was friendly, professional and nonjudgmental. She was very patient and willing to explain terms, rules, and clarify our understanding. We are in the process of implementing her thoughtful recommendations, and we feel at ease knowing we are on a path to a more financially stable future. She also offered to work with our daughter, a recent college graduate, to help her build a financial foundation and decide what type of retirement account to begin. We feel fortunate to have the opportunity to benefit from her counsel. read more

Working with Jennifer, I finally feel like my portfolio investments, IRA, (all that 'stuff'!) are organized and in great hands. I previously worked with a company that paid no attention to you if your investments dipped under a certain amount. Not so with Jennifer, she treats all of her clients equally. To me, she almost feels like a wise aunt who I can trust has my back. She happily answers my questions as they arise, and no question is a 'dumb' question, which is nice because I have plenty! There's never a rush with her, only a deep concern to educate you and help you make the very best choices for your future. I find she has both a warm and grounded presence. I would highly recommend her to anyone looking to work with an advisor who's extremely knowledgable, trustworthy and personable. read more

I met with Jen to discuss taking out student loans for graduate school. She was knowledgable and helped me understand my options clearly. She followed up with a detailed e-mail summary of everything we discussed. I would definitely recommend paying Jen a visit if you have financial planning questions. I'll be visiting her again. read more

I'm still getting organized financially, but Jen has helped me gain traction on the right path. The past few months have brought me a greater understanding of what it takes to reach my goals, and I'm finally learning the tools to get there. I look forward to our appointments, and can't recommend her enough. Jen can (and wants) to help! read more

I've been working with Jen as my financial advisor since she began her practice in 2009, and I recommend her highly. During the past 7+ years, I've watched her grow as an advisor and expand her business into an excellent resource for people with a variety of incomes and goals. Jen's greatest strength as an advisor is her ability to really listen and develop a personalized, comprehensive plan that will work for each unique client. My income, needs, and goals are certainly different now (age 40, married, baby #1 on the way) than they were when we first began working together (early 30s, single, paying off student loans and other debt). Over the years, Jen has worked with me to make sure my investments evolve along with my changing life. Jen also has helped me stay on track with short-term savings goals as well as long-term investments and retirement. Her specific recommendations for fund investments also have been great. Although she doesn't have a crystal ball, she has worked with me and my husband to develop a well-rounded plan that's geared towards our own risk tolerance. Jen explains her suggestions clearly and rationally, and she helps manage expectations, especially during times when things are up-and-down in the market. She's helped me pick investment options through my work retirement plan as well as the accounts that my husband and I have with her at Pathway. She also reviewed our various insurance policies (auto, life, long-term disability, etc.) to make sure we weren't over- or under-insured and made some suggestions about things to change. In addition to being a knowledgeable financial advisor, Jen is personable and easy to work with. She's a great person who gives back to her community. She has a passion for the arts and helps supports local theater and choral groups. It's great to work with someone who invests in the public good as well as the stock market. read more

Jennifer has a great energy and demeanor. I always feel super comfortable and relaxed during our meetings which hasn't always been the case when I've worked with financial advisors. She's helpful and not aggressive or pushy. I highly recommend her. read more

Jennifer is extremely knowledgeable and takes the time to really get to know your financial goals and needs. My husband and I reached out to her because we are at that age where we are thinking of starting a family and buying a home. I've never met with a financial planner before, but upon meeting Jen, I knew her vast financial knowledge combined with her kind and caring demeanor were exactly what we needed. For me, talking about finances can be daunting and stressful, but Jen immediately put me and my husband at ease. She really listened to us and patiently answered all of our questions. She truly understands all the things we are most concerned about: student loans, saving for retirement, saving for a home/children. What I love is that because she is a business owner she totally understands my situation as a small business owner as well. While it's obvious she knows a tremendous amount about the financial world, she takes the time to explain things in a way everyone can understand.If you are confused about your finances, or you're just like us and are looking to take a big step in life, I highly suggest meeting with her. She will ensure you are on the right path, and if you are not, she will help to guide and get you there. read more

Jen is very competent and trusting as a financial advisor, and doesn't consider any client or account "too small". I met Jen through previous employment and although I worked indirectly in financial services I didn't know what to do with my own money (or lack thereof). I always saw how good she was with people and how much she genuinely cares about them understanding the importance of financial stability. Jen helped me set up a plan to start saving more and pay off debt and has been there for me to advise me through my bigger life & financial decisions. I look forward to her help when my family purchases our first home in the near future and am happy to know I have the financial means and education to keep my family living comfortably. Trusting other people with your money or financial decisions can be scary or sound unnecessary when you're younger but Jen translates all the confusing and stressful information into something actionable and simple. read more