KINETC PATHWAYS
Fiduciary Financial Planning and Asset Management, Coordinated with Your Full Picture
Kinetic Pathways is the registered investment advisor within the Some1 Family Office. For small business owners, pre-retirees, and individuals who want their financial planning and their insurance in the same conversation, this is where that conversation begins.
Based in Atlanta and serving clients across Georgia and beyond, Kinetic Pathways operates under a fiduciary standard — meaning every recommendation is legally required to serve your best interest, not a commission structure.
What Is a Registered Investment Advisor and Why It Matters
Not every financial advisor operates under the same legal standard. That distinction determines whose interest the advice is designed to serve.
A registered investment advisor, or RIA, is held to a fiduciary standard. That means Kinetic Pathways is legally required to act in your best interest when making investment recommendations — not to recommend what pays the highest commission or what is merely suitable for your situation.
A broker-dealer operates under a suitability standard instead. A broker-dealer's recommendation must be suitable for you — but it does not have to be the best option available. That is a meaningful difference, particularly for clients who are not sure whether the advice they have been receiving reflects their interests or their advisor's incentives.
Kinetic Pathways earns no commissions on investment products. The structure of the relationship is designed to align what is good for you with what is good for us — not to create competing incentives.
Jay Thurlow and the Kinetic Pathways Story
Jay Thurlow spent 19+ years in insurance before returning to financial services in 2020 to add asset management and financial planning capability through the Kinetic Pathways RIA registration.
That background matters. Most financial planners do not have deep insurance knowledge. Most insurance advisors do not hold RIA credentials. Jay holds both, which means a client working through Kinetic Pathways is working with an advisor who understands how the financial planning and insurance sides of the picture interact — not just one of them in isolation.
The philosophy is the same across both entities: understand the situation first, then make the recommendation. Kinetic Pathways begins every engagement with a goals review and a risk-tolerance conversation. The portfolio structure follows from that — not from a model built for a generic investor.
Financial Planning and Asset Management
Through One Coordinated Relationship
Kinetic Pathways offers a single service category that covers the full range of
investment and planning work — accessible through one page and one advisor relationship.
Financial Planning and Asset Management
Managed money, IRA rollovers, brokerage accounts, financial planning, risk management, and structured income strategies — for individuals, business owners, and pre-retirees building toward a specific financial outcome.
Insurance and Financial Planning, Finally in the Same Conversation
One of the most common gaps in a small business owner's financial picture is the space between the insurance side and the planning side. The two are managed separately, by different advisors who rarely communicate, and the result is a plan built on incomplete information.
Kinetic Pathways and The Insurance Shop both operate under Some1 Family Office. Jay advises across both, which means your investment strategy and your coverage picture are reviewed together — not in separate conversations that never connect.
Regulatory Disclosure
Kinetic Pathways Company is a registered investment adviser domiciled in the state of Georgia, and registered to conduct investment advisory business in Georgia, North Carolina, and Idaho. Registration as an investment adviser does not imply any level of skill or training. Kinetic Pathways operates under the fiduciary standard and earns no commissions on investment product sales. See our Regulatory Disclosures for full registration details, including our Form ADV Part 2A, Form CRS, and CRD number (208)946-0173.
Investment advisory services involve risk, including the possible loss of principal. Past performance does not guarantee future results. Kinetic Pathways does not guarantee specific financial outcomes. All investment recommendations are made with the goal of serving the client's stated objectives and risk tolerance.
Questions About Registered Investment Advisors and Kinetic Pathways
What is a registered investment advisor and why does it matter?
A registered investment advisor is a firm or individual registered with the SEC or a state regulatory authority to provide investment advice for compensation. The key distinction is the fiduciary standard: an RIA is legally required to act in the client's best interest, not merely to recommend suitable products. For anyone who has wondered whether their financial advisor's recommendations reflect their interests or the advisor's compensation structure, working with a fiduciary RIA is a direct answer to that question.
What is the difference between an independent RIA and a broker-dealer?
A broker-dealer is held to a suitability standard — the recommendation must be suitable for the client, but it does not have to be the best option available. An independent RIA is held to a fiduciary standard — the recommendation must be in the client's best interest. Kinetic Pathways operates as an independent RIA, with no proprietary products and no commission structure tied to investment recommendations.
Is Kinetic Pathways the right fit for small business owners?
Kinetic Pathways works with small business owners, independent professionals, and pre-retirees who want financial planning and asset management handled alongside their broader insurance and benefits picture. If you are a business owner who has been managing financial planning separately from everything else, the Some1 model is built around consolidating those conversations into one advisory relationship.
When did Jay Thurlow become a registered investment advisor?
No. Each entity within Some1 Family Office can be engaged independently. That said, clients who work with both find that having one advisor across Jay returned to financial services and established Kinetic Pathways as a registered investment advisor in 2020, adding asset management and financial planning capability to the insurance and benefits practice he had built previously. The two sides of the practice — Kinetic Pathways and The Insurance Shop — now operate together under Some1 Family Office. and financial planning gives them a more complete picture than either conversation provides on its own. The first step is a 24-minute intake conversation — we will understand your situation and discuss where Kinetic Pathways fits.
Kinetic Pathways is an SEC-registered Registered Investment Advisor providing fiduciary investment advisory and financial planning services for small business owners, independent practitioners, and individuals across the Atlanta metro area and throughout Georgia. Jay Thurlow's investment advisory credentials, years of experience, and ADV filing reference are to be confirmed and inserted before launch. Kinetic Pathways operates under the fiduciary standard and earns no commissions on investment product sales. See our Regulatory Disclosures for full registration details. Learn more about the full Some1 advisory model on our About page.
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Your Portfolio Should Reflect Where You Are Now
Not Where You Were Five Years Ago
A review is where we start. We look at what you have, where you are headed, and whether the two are actually aligned.
From there, we discuss what changes, if anything, make sense for your situation. There is no obligation to move forward until the recommendation is clear. s