PathSetter Financial

What PathSetter Financial does

PathSetter Financial is a fee-only fiduciary Registered Investment Advisor founded in 2022 by Andy Fisher, operating as a solo practice through the legal entity Fisher WO Advisors, LLC. The firm delivers comprehensive financial planning services including ongoing planning, investment management using an Assets Under Advisement (AUA) model, one-time planning projects, and tax preparation/IRS e-filing. It is registered to offer advisory services in Texas and in other jurisdictions where exempted, and serves individual clients at any life stage with no minimum investable assets required. The founder's prior 25+ year executive career at PepsiCo/Frito-Lay and 350+ delivered financial literacy seminars to 4,000+ attendees provide domain credibility, particularly around supply chain executive compensation structures.

The business model combines a hybrid ongoing planning fee (0.1% of assets plus 1% of AGI, capped at $8,000 annually), tiered AUA investment management fees ranging from 0.50% down to 0.25%, a $1,500 one-time onboarding fee, and tax preparation starting at $450. The firm explicitly rejects the traditional 1% AUM industry model and positions around transparent, commission-free fiduciary advice, with membership in NAPFA, XY Planning Network, and the Financial Planning Association reinforcing fee-only credentials. The proprietary 'Set Your Path' 4-step client engagement process takes 2-3 months per client, and ongoing engagements include 2-4 meetings per year aligned to tax seasons, budgeting cycles, and insurance reviews.

Customer acquisition is sales-led and education-driven, relying on community seminars, VITA and WINGS volunteer work, Financial Peace University facilitation, direct advisory relationships, and self-serve Calendly scheduling. The firm is bootstrapped with no external venture capital, has no disclosed revenue, and operates without dedicated technology infrastructure beyond standard website, scheduling, and CRM tooling. There are no disclosed acquisitions, no product launches beyond the founding service set, and no expansion beyond the Texas-anchored geography.

Name

PathSetter Financial

Legal name

Fisher WO Advisors, LLC

Website

https://pathsetterfinancial.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

PathSetter Financial is a fee-only fiduciary Registered Investment Advisor offering comprehensive financial planning, AUA investment management, and tax preparation to individuals. Founded in 2022, the firm operates as a solo practice run by Andy Fisher, primarily serving Texas clients with no minimum asset requirements.

Ownership category

akta.pro rank

Product category

Personal Financial Planning & Investment Advisory

NAICS

Finance and Insurance (52)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Fee-Only Advisory (FSAEAAAL), Financial Planning Tools & Financial Coaching (Goal Setting, Apps, Advisors) (EDAAAJAN)

Keywords

• Personal financial planning
• Fee-only investment advisory
• Retirement income planning
• Executive compensation planning
• Tax preparation services

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Comprehensive Financial Planning (Ongoing): Annual fees comprising percentage of Assets (0.1%) plus percentage of Income/AGI (1%), capped at $8,000. Includes annual comprehensive plan plus periodic meetings throughout the year with focus areas timed to tax seasons.
2. Investment Management (AUA): Advice-Only with Assets Under Advisement (AUA). Fee tiers: 0.50% for $0-$500K, 0.35% for $500K-$1M, 0.30% for $1M-$1.5M, 0.25% for $1.5M+. Firm critiques typical 1% AUM model as outdated.
3. One-Time Plans and Projects: Comprehensive financial plan or focused project work. Often requires comprehensive review even for specific questions like Roth conversions due to long-term tax implications.
4. Tax Preparation: IRS e-filing services for clients at additional modest fee, starting at $450.
5. Onboarding Fee: One-time upfront onboarding fee for new clients: $1,500 depending on complexity.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

PathSetter Financial provides personalized, fee-only financial planning for individuals and households, including retirement income, tax, estate, insurance, and executive-compensation planning, delivered through a 4-step "Set Your Path" process. Clients can additionally engage the firm for discretionary investment management on an Assets-Under-Administration basis and an annual tax-preparation/IRS e-filing add-on, with no asset minimums and no commissions.

Product overview

PathSetter Financial operates as a single-service Registered Investment Advisor offering comprehensive financial planning as a unified offering. The core portfolio consists of Ongoing Planning services with tiered annual fees, One-Time Plans for specific financial questions, Tax Preparation and IRS e-filing add-on services, and Investment Management through an Advice-Only Assets Under Advisement (AUA) model. All services are delivered through the proprietary "Set Your Path" 4-step process, with no minimum investable assets required. The firm is led by founder Andy Fisher and operates on a fiduciary basis with transparent, commission-free pricing.

Differentiator

Problem solved

Functional benefit

Products and services

• Ongoing Planning

Quantifiable outcome

• Example: $10,000 invested at 10% annual return with compounding becomes $174,494 after 30 years
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered minor.

• Financial Planning Association (FPA)minorOthersProfessional association membership. FPA logo displayed on website footer indicating membership status. FPA is a professional organization for financial planners.
• XY Planning Network (XYPN)minorOthersProfessional association membership. Member of XYPN which provides resources and network for fee-only planners. Logo displayed on website footer.
• NAPFA (National Association of Personal Financial Advisors)minorOthersProfessional association membership. Founder Andy Fisher is a member of NAPFA, a professional organization for fee-only financial advisors.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Ellevest: Flat-fee financial planning and investment platform serving individuals with comprehensive advice at accessible price points; comparable fee transparency and accessibility ethos to PathSetter's no-minimum model.
• Harness Wealth: Modern fee-only financial advisory focused on professionals with equity compensation, retirement, and tax planning—directly overlapping PathSetter's planning scope and demographic, including equity comp complexity.
• Facet Wealth: Tech-enabled fee-only RIA offering flat-fee comprehensive financial planning to individuals nationwide, with similar fiduciary positioning and integrated planning/investment model—directly comparable on service offering and target customer.
• Zoe Financial: Fee-only fiduciary advisor matching platform connecting individuals with vetted comprehensive planners; comparable client base, fiduciary stance, and full-service planning focus.

Emerging players

• Domain Money: Modern comprehensive financial planning service for individuals using flat-fee pricing and tech-enabled delivery; overlapping flat-fee positioning and planning scope but with platform infrastructure PathSetter lacks.

Broad incumbents

• Carson Group: Larger RIA offering comprehensive financial planning through a national advisor network with significantly greater scale, infrastructure, and back-office support than PathSetter.
• Empower (formerly Personal Capital): Large hybrid RIA offering comprehensive financial planning, dashboards, and investment management with national scale and proprietary technology—sets the high-tech benchmark for planning tools accessible to mass-affluent clients.
• Schwab Intelligent Portfolios Premium: Major brokerage's hybrid robo-advisor with CFP-led planning at accessible price points; represents the platform-enabled incumbent competing for the same comprehensive-planning client.
• Northwestern Mutual: Large full-service financial services firm offering financial planning, insurance, and investment products; representative of the legacy commission-influenced model PathSetter explicitly differentiates against.
• Vanguard Personal Advisor: Incumbent offering ongoing advice and managed portfolios at low fees through a major asset manager; defines the low-cost competitive floor for ongoing comprehensive planning and AUA.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/pathsetter-financial

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PathSetter Financial