Path2 - Independent Financial Planning
Our Journey What We Believe How We Work About Us Português Book a Conversation

Independent Financial Planning

Financial planning grounded in science, not guesswork.

Path2 is an independent financial advisory firm (advisory fee-only): we don't manage your money, we don't sell financial products, we don't earn commissions and we don't charge a percentage of your wealth.
Just direct fees, with no conflicts of interest. Evidence-based financial planning for people in Brazil and abroad.

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International financial planning — wealth planning with global diversification in hard currency
Our Journey

Financial planning shouldn't be complicated

We created a three-step journey to help you make decisions with confidence and live with more freedom.

01.

Understanding in depth

We dive in together into your reality, goals, challenges and lifestyle to understand what truly matters to you — no judgment, no off-the-shelf formulas.

02.

A tailor-made plan

We build a practical, personalized plan that respects your choices, your time and your values. From spending control to planning your future, everything is designed with clarity.

03.

Journey and ongoing guidance

Life changes — and so does the plan. That's why we stay with you, adjusting the course when needed and making sure you keep moving forward with confidence.

What we believe

No conflicts of interest. Based on evidence. Focused and together with you.

Financial success has less to do with "seizing opportunities" and much more with behavior and sticking to a plan.

What we can control to reach our goals: time, investment choices and cost of living.

Efficient, low-cost investments, based on evidence and statistical data (not on guesswork or fads).



Read our manifesto.

For those who aren't looking for shortcuts

Path2 is the right path if you:
  • Seek global protection, with diversification of your wealth in hard currency and tax efficiency.
  • Value a transparent, ethical relationship, with no hidden fees or conflicts of interest.
  • Understand that contributions, time, costs and taxes are the variables we can control.
Path2 doesn't make sense if you:
  • Are looking for the "hot" tip of the moment or miracle opportunities.
  • Expect a promise of returns (we focus on what can be controlled).
  • Want to "beat the market", prioritizing short-term speculation over building a legacy.
I understand there's no magic.
I want to book a conversation
Free of Conflicts of Interest

How we work

Choose the format that fits your stage of life.

Single Consultation

For those with specific questions about their financial planning who want to be sure they're on the right track.

$500

Single Session

  • 1.5-hour meeting
  • Summary email + action items
  • Personalized advice
  • Support via WhatsApp
  • No commissions/fees
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Testimonials

Who trusts Path2

"It was excellent for organizing my wealth and goals, broadening my vision and mindset about how I see this fundamental pillar of life. They did an excellent job with me. I highly recommend it."

F
Fábio S. Head in the Tech Sector Brazil

"Working with Path2 was an amazing experience. Rodrigo and Denis are knowledgeable and understanding of the client's needs. No push to go one way or another, instead talking through the pros and cons of each type of strategy, with a focus to achieve the client's goals. I learned a lot from them."

A
Ana B. Benefits Expert and Entrepreneur Portugal

"Path2 encouraged me to think, consider different scenarios and mature my relationship with my investments. The work has been incredible, and I've been able to build a consistent strategy even amid the tax complexity of being a fiscal resident abroad and holding portfolios in different countries."

C
Caio F. Creative Executive — Big Tech Netherlands
The Invisible Cost

What could you buy with the fees you're paying today?

Use our efficiency calculator and discover the real impact of 2.0% fees (Assets Under Management - AUM) on your wealth over time.

$200,000
$25K $5M
$1,000
$0 $20K
30 years
5 years 40 years
%

Ref: Retail funds ~2.0% · Fee-based ~1.0%

Common Scenario

2.00% fee · Bank funds

Global Efficiency

0.06% fee · ETFs (Vanguard)

Fees are standing between you and your financial freedom

$61,595

This money went to fees, spreads and commissions. Not to what you could build toward your dreams.

Path2 can help you optimize this problem. Over time, the difference could be your retirement.

Frequently Asked Questions

Questions about Path2

Does Path2 manage my money?

No. Path2 operates on a commission-free model focused exclusively on financial planning and advice. Your money stays 100% in your custody, at the brokerages and banks you choose. We guide you.

What's the difference between Path2 advisory and wealth management?

In traditional management (Assets Under Management - AUM), the advisor usually charges 1–2% per year on your wealth, creating a conflict of interest (the more you have, the more they earn). In our direct-fee model, you pay only for the planning service — no commissions, no fees on your wealth.

Do you serve Brazilians living abroad?

Yes. We have expertise in planning for Brazilian expats in Portugal, the Netherlands, the United States and other countries — including taxation of fiscal residency, multi-currency portfolios and UCITS ETFs. All sessions can be held online.

What's the difference between Path2 and a traditional advisor?

Traditional advisory is often tied to a financial institution and there can be a conflict of interest between what's best for the client and what's best for the institution, charging commissions on the products offered.
Path2 handles your life's financial planning, independently and impartially.

What's the minimum wealth required to hire you?

There's no minimum. We serve everyone from those starting their financial journey to clients with multi-million wealth and international tax complexity. We recommend having at least $20,000 invested or contributing $600 monthly.

How does payment work?

For the Single Consultation ($500), payment is one-time and made in advance of the session. For the Full Journey, there's an initial setup followed by monthly installments, with no lock-in — you can cancel at any time with 30 days' notice.