Who We Are

Charles R. Kelley

After graduating from Memphis State University in 1960, Charles entered the life insurance and investment business with the Equitable Life Assurance Company in 1962. He continued his education by attending the University of Memphis Law School at night. 

Charles attained the highest levels of production with the Equitable as well as receiving his Chartered Life Underwriter designation in 1979 and his Chartered Financial Consultant designation in 1986. In 1972, he formed an independent financial services firm known as Kelley, McManus, Smith Associates, Inc. that was subsequently changed to Pathway Financial Services, Inc. in 1999. Charles developed a nationwide clientele of individuals, families, and businesses. He served as President and CEO until 2002, at which time he became Corporate Secretary and New Business Consultant.

Charles is a licensed securities representative and investment advisory representative offering securities and advisory services through the broker/dealer and registered investment adviser. He is also an independent insurance licensee. In addition, over the years Charles has served on various boards and has been an active leader in his church where he recently led a successful one year fund raising campaign, raising almost $4,000,000 to complete the building of a 1,700 seat banquet hall debt free.

Cheryl R. Kelley

Cheryl graduated from Baylor University in 1989 with a BBA in Marketing / Management. She was recruited by Federal Express as an Account Executive and worked with them in New York City, Dallas and Memphis from 1989 to 1996.  She then entered the investment and insurance business and is currently President of Pathway Financial Services, Inc. with primary responsibilities in the Financial Planning and Portfolio Development area. She is an independent registered representative and investment advisor representative offering securities and investment advisory services through the broker/dealer and registered investment adviser.

Cheryl has obtained the Certified Financial Planner ™(CFP®)* certification, holds the Series 6, 7, 63, and 65 security licenses, and is a member of the Financial Planning Association (FPA). She is also active in her church and Alpha Chi Omega Alumni, and loves spending time with her twin daughters, Jade & Jewel.

*Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP®, Certified FinancialPlanner™and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete initial and ongoing certification requirements.

Matthew W. Bailey

Matt graduated from Furman University in 1987 with a BA in Accounting. After developing an extensive background in public accounting and internal auditing, he became an analyst for The Williams Companies for several years before entering the insurance and investment business with Pathway Financial Services, Inc. in August of 2000. At Pathway Financial Services, Inc., Matt serves as Vice President with primary responsibilities in Employee Benefits and Investment Model Development.

Matt has obtained the Certified Financial Planner ™(CFP®)* certification and holds the Series 7, 51, 66 and 24 security licenses. He is a member of the Financial Planning Association (FPA) and plans to further his professional development in the retirement and investment areas. He is a registered principal and investment advisory representative offering securities and investment advisory services through the broker/dealer and registered investment adviser.

Matt also enjoys photography, cooking, computers, movies, golf, family and his church relationships.  Most of all, he loves spending time with his twin daughters, Jade and Jewel.

*Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP®, Certified FinancialPlanner™and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete initial and ongoing certification requirements.

Renea Jayne

Renea comes to Pathway Financial Services with 10 years in the financial services industry where she provided assistance to high net worth clients. She also has over 17 years in client service relations. At Pathway Financial Services, Inc., Renea serves as Business Relations Coordinator for company officers Cheryl R. Kelley, Charles R. Kelley and Matthew W. Bailey. Renea enjoys spending time with her family and friends.

Gena Poole

Gena comes to Pathway Financial Services, Inc. with over 35 years in the insurance industry. She is experienced in employee group benefits administration, individual health and life insurance as well as annuities and investments. Gena has come back to work at Pathway Financial Services, Inc. She was here for many years in the 90’s working with Charles. At Pathway Financial Services, Inc., Gena serves as the Employee Benefits Administrator to Company Principal, Matthew W. Bailey. 

Gena enjoys her church activities, gardening, entertaining friends, and spending time with her family. She especially enjoys spending time with her granddaughters and spoiling them rotten!


































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































Contact Us

1916 Exeter Rd
Germantown, TN 38138
Map location 

Phone: 901-756-5667
Fax: 901-754-9503
Email: mbailey@pathwayoflife.com

Contact Us