Our Team

Our Team

Mike Cox, RFC®

Financial Advisor

Mike earned a BS from the University of Maryland, where he majored in mechanical engineering and minored in business management. After working for a Fortune 500 company, Mike decided to pursue his true passion and completed the Georgetown University Financial Planning curriculum. Mike worked for another investment firm for nine years before he decided to open his own firm with a focus on a holistic approach to his clients' financial lives. Managing investment and retirement accounts is just one block in a person’s financial foundation. Understanding how those investments work together with a tax plan and an estate plan while keeping the client’s long-term goals in mind is vitally important. Our firm incorporates this holistic approach in developing strategies for managing our clients’ investments and developing long-term retirement plans.  Our goal is to help get our clients to their Retirement Destination.

Mike believes that there are a few simple steps to a happy life: smile at strangers, slow down and look at all the wonderful things that surround you, always say thank you, choose to be positive, love always, give back, and look up.Mike has a keen sense of humor, loves practical jokes, and has an adventurous spirit that coincides with his zest for life. In his free time, he enjoys spending time with his wife, Deborah, his friends and family, and especially his nieces and nephews.  Mike and his wife both volunteer their time every summer with a local youth group that rebuilds homes in Appalachia.

Summit Club seal



Mike Cox is proud to have been recognized as a Summit Club advisor for 2022—a distinction based on annual production that places him among the top 19 percent of advisors affiliated with Commonwealth Financial Network.

Each year, Commonwealth, the broker/dealer–RIA that helps us process investment transactions on your behalf, recognizes Summit Club advisors by inviting them to an exclusive gathering of their peers, leading industry experts, and Commonwealth home office staff. Summit Club advisors benefit from an intensive learning and networking experience designed to help them hone their expertise, share best practices, and provide ever-higher levels of service, education, and leadership to their clients.

Tina Mattingly

VP Director of Operations

Tina works directly with clients, advisors, and other departments to assist with or help expedite processes as needed. She thoroughly enjoys and interacts with clients on a daily basis and assists the advisors when needed to make portfolio changes and updates as requested. Tina understands the significance of providing clients with information that is both relevant and important to them.  She develops marketing material and also enjoys planning and coordinating Pathway’s client events.

Tina has a contagious laugh and brings a spirited sense of humor to the office. She has a passion for woodworking, interior design and DIY projects.  When she’s not at the office, Tina can be found in her workshop building and creating.  Tina also loves to spend as many fun-filled days with her husband, 2 children, and spoiling her grandson as much as possible.

Bill Gaines

Financial Advisor

Bill brings a wealth of experience and knowledge to his role as a financial advisor.  He is a graduate of the Georgetown University Financial Planning program and holds the Registered Financial Consultant (RFC®) designation.   As our Social Security specialist, he has earned the National Social Security Advisor (NSSA®) certificate which, combined with his financial and business background, enables him to help his clients with their retirement goals.  Bill is known as a great listener and is filled with compassion. He strongly believes in a comprehensive approach to helping his clients develop their personal retirement plan and investment strategy.

Bill is a life-long Maryland resident.  He and his wife, Melinda, have three children and a grandson.  They love spending time with them every chance he gets. On occasion, he can also be found on the golf course enjoying his favorite sport.  On a personal note, he is a firm believer in giving back to his community. Bill volunteers with many organizations, such as Calvert Hospice, the Appalachian Service Project, Food for the Hungry, and the Boy Scouts.

Justin Emmert, CFP®

Financial Advisor

Justin graduated from Stevenson University where he earned a Bachelor of Science degree in Business Administration.  Prior to joining Pathway Investment Group, Justin was a Financial Advisor for five years with a large firm that served the tri-county and Annapolis area.  His experience in Investment Management and Financial Planning made him an ideal fit for the holistic approach Pathway utilizes to help clients with their financial and retirement strategies.  His uncanny patience allows him to gain an in depth understanding of client goals and dreams so that he is better able to help them along their financial pathway.

As a lifelong resident of Calvert County, Justin has deep roots in this area.  When he is not working Justin loves spending time with his wife Lauren and their two boys Jackson and Benjamin.  He is an avid golfer and loves all things outdoors, including hiking, kayaking, biking and fishing.  We at Pathway, find his patience, charisma, and analytical skills an effective and fun addition to the firm.