# Pam Horack

> Pam Horack is a fee-only financial advisor at Pathfinder Planning LLC in Lake Wylie, South Carolina, who holds the CFP credential. Pathfinder Planning LLC reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/pam-horack/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Pathfinder Planning LLC
- **Based in:** Lake Wylie, South Carolina
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $29.0M across 114 accounts
- **Credentials:** CFP
- **CRD:** 3172152 (https://adviserinfo.sec.gov/individual/summary/3172152)
- **SEC registration:** Investment adviser representative in NC, SC, TX
- **Exams passed:** Series 63 (1999), Series 65 (2010)
- **Firm size:** 3 employees
- **Disclosures:** None reported
- **Website:** http://pathfinderplanningllc.com

## Frequently asked questions

### Is Pam Horack a fee-only financial advisor?

Yes. Pam Horack is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Pam's firm.

### How does Pam charge for financial advice?

Pam's firm, Pathfinder Planning LLC, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Pam Horack based?

Pam Horack is based in Lake Wylie, South Carolina.

### What credentials does Pam Horack hold?

Pam Horack holds the CFP credential.

### Is Pam Horack registered with the SEC?

Yes. Pam Horack is registered as an investment adviser representative in NC, SC and TX (CRD 3172152), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Pathfinder Planning LLC manage?

Pathfinder Planning LLC reports $29.0M across 114 accounts in assets under management.

### How do I contact Pam Horack?

Through Pam's website, pathfinderplanningllc.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/pam-horack-10689): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.