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If your situation does not fit neatly into one page, we can talk through it with you and help identify the right next step.
Fee-only planning for major transitions
Financial Clarity for Life's Major Transitions
We help clients make careful financial decisions through retirement, career shifts, sudden wealth, divorce, the loss of a spouse, and other turning points that deserve more than a quick answer.
- See the tradeoffs before you commit
- Organize taxes, investments, cash flow, and timing in one place
- Protect what matters during major life changes
- Coordinate decisions with attorneys, accountants, and other advisors
- Move forward with a plan grounded in your best interests
Rooted in Hawaii, serving clients nationwide. Most clients come to us when the tradeoffs are real and the next decision matters.
Start with your situation
What are you navigating right now?
Choose the transition that best matches your situation. Each page outlines the questions we often help clients think through and where Pathfinder may be able to help.
Approaching Retirement
Plan your final working years with confidence through precise timing, tax-efficient withdrawal strategies, and aligned portfolio risk.
Retirement, Long-Term Care, and Legacy Planning
We help you spend with confidence, plan for healthcare shocks, and organize a seamless legacy.
Sudden Wealth, Inheritance, or a Business Sale
Navigate the financial and emotional complexities of a massive liquidity event. We help you slow down, protect your wealth, and intentionally design your next chapter.
Career Change, Equity, and Entrepreneurship
Compare offers, manage equity concentration, or move to founder or independent income with confidence.
Divorce or Separation
Strategic, objective financial guidance during a divorce. We model settlements, untangle complex assets, and help you rebuild on your own terms.
Loss of a Spouse
Compassionate, structured financial guidance after the loss of a spouse. We help you triage immediate tasks, protect your income, and navigate the financial fog of grief.
How Pathfinder helps
Two ways to work with Pathfinder
Some clients come to Pathfinder in the middle of a major transition. Others want an ongoing planning relationship that keeps them prepared for what comes next. In both cases, the work is the same: slow the decision down, understand the tradeoffs, and make sure the next step fits the rest of your life.
Our role is not to hand you a stack of generic recommendations. It is to help you think clearly, make good decisions, and follow through when the details matter.
Discover/Decide/Do
Long-term guidance for retirement, business sales, inheritances, divorce, career changes, and other pivotal life changes.
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Investment Supervision Only
Ongoing investment oversight for clients who prefer to handle their own planning between transitions.
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Your advisors
Meet David and Katherine
David and Katherine combine research-driven planning, careful listening, and steady follow-through. Clients come to Pathfinder when they want a clear view of the tradeoffs before they act.
David Jacobs, Ph.D., CFP®
Financial Planner
David founded Pathfinder after a research career in AI and security and brings that same analytical discipline to high-stakes financial planning.
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Katherine Jacobs, CFP®
Financial Planner
Katherine brings collaborative planning, careful communication, and steady follow-through to major financial decisions.
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Rooted in Hawaii, serving clients nationwide
Talk through the decision in front of you
Call (808) 728-4396 or email support@pathfinderfs.com if you want help sorting through a major transition, pressure-testing a plan, or coordinating the moving pieces.