Pam Horack, CFP® Pathfinder Planning LLC

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About Pam Horack, CFP®

Think of me as Your Financial Mom – the planner that works with regular families. Throughout my career, it seemed that financial advisors were always looking to sell their products or manage money to retirees, business owners, or those with lots of money – no one wanted to plan and budget for everyone else. My clients look like just like regular people:


• Mom and Dad get up in the morning, get the kids off to school, work all day either at home or an office, come home, get dinner on the table, pay the bills, hope the house isn’t underwater, and have a little money in their retirement account.

• Getting married? Congrats! Now you need to combine your finances. No one needs financial planning more than two people getting married; except two people getting divorced. It’s much easier to get it right on the front side.

• You have graduated from college, moved into the real world, and started your own life. But Mom is still paying your cell phone bill and doing your laundry. You can make it on your own with some spending strategies and cash flow controls.


You will get the tools and advice needed to plan your retirement, create your budget, and save for your goals. My local and national resources can help you put together your will or review your insurance. Each client receives an easy-to-read financial plan outlining your current situation, alternatives to reach your goals, and an action plan to get you there.

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Recently Published

The Power and Beauty of a Maintenance Fund

July 15, 2017

Have you ever started a workout regimen after a few weeks, months, or even years (no judgement here...) of little-to-no physical activity? How did you feel? Tired, sore, and ready to give up, right? I know, because I’ve been there more times than I care to count! Funny thing, though. After a few weeks of getting back into a routine, I start to feel energized, the pain subsides, and I’m actually excited to stay on track.That’s because I’ve gone from starting at square one [...]

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Long-Term Care vs. Critical Illness Insurance: What You Need to Know

July 3, 2017

Many of you know that my Dad was on Hospice care for six years before he died.  He had COPD and all his mental faculties were intact, so he was able to live at home where he was comfortable -- which was of the utmost importance to those of us close to him.  Even with the Hospice care, we supplemented his care with paid sitters, cleaning assistance, and Meals on Wheels. Not to mention, my siblings and I contributed where we could. My sister checked in daily and took over paying his bil [...]

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It Could Be Worse...

June 4, 2017

Have you ever had a day when, from the moment you wake up to the time you lay down for bed, everything just seems to be off? Kinda like the planet is conspiring against you in hopes that you’ll have the worst day possible?  Of course, we’ve all been there!  To make matters worse, when you try to convey your feelings about said day to your spouse, colleague or anyone else within an earshot of your self-pity, they generally respond with the requisite, “well, it could b [...]

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Ideal Clients

  • Career Professionals
  • Generation X
  • Parents
  • Recent Graduates
  • Working Families

Ways Advisor Charges

  • Monthly Fee
  • Flat Fee
  • Hourly

Fee Options

  • Monthly: $95/mo + $750+ upfront
  • Hourly: $200/hr

SEC Records

States Registered

  • North Carolina
  • South Carolina

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