Financial Pathways provides personalized, holistic, Fee-Only
independent financial planning advice in a casual and friendly
atmosphere. We help clients prepare for retirement, save for
college, manage their household budget, manage their investments,
start a business, get out of debt, buy a home, and protect
themselves and their families from unexpected disasters. But more
than anything else, we provide our clients with the peace of mind
that comes from knowing they are taking the steps necessary to
achieve their financial goals. Please don't confuse us
with the big Wall Street or insurance firms, where financial
planning and advice is often little more than a thinly disguised
sales pitch for a complicated financial product they intended to
sell you before you even walked through the door! In
contrast, we have designed our independent, fee-only firm to be
completely free of potential conflicts of interest which may be
created when advisors are compensated based on financial product
sales. You pay us for the advice we provide. In return you get
advice that is always based on your best interests. No gimmicks,
no hard sell.We believe good advice should be available
to all, not only the extremely wealthy. Many of the best
financial planning firms limit their practice to the very rich.
We just don't think that's right. If you need the kind of
genuine, unbiased financial planning advice we offer, we can find
a way to work with you - even if your investment portfolio isn't
|Firm Start Year:||2007|
|Name of Broker/Dealer:||n/a|
|Name of Custodial Firm:||TD Ameritrade|
|States Licensed in:||NJ|
|Number of Years with Current Firm:||8|
2007-present. Founder and owner of Financial Pathway Advisors LLC, a Registered Investment Advisor. |
2004-2006. Financial planner at Frontier Financial Planning and Capital Management of Somerville, NJ.
1990-2003. Co-founder and Chief Operating officer of Shore to Shore Inc. of Dayton Ohio. STS grew to become a leading international supplier of tags and labels for the apparel industry.
|I work with the following types of clients:||Individual Investors, Businesses|
|Foreign Languages Serviced:||Russian|
|Advisory Services Provided:||Financial Planning for Businesses, Financial Planning for Individuals, Education Funding and Planning, Retirement Planning, Portfolio Management, Financial Advice & Consulting, Annuities, Insurance Planning, 401K Rollovers|
|Investment Types:||Alternative Investments, Mutual Funds, Options & Futures, Bonds, Stocks, Annuities, Insurance, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)|
|I can meet clients in the following ways:||At my office, At your office, At your home|
Qualifications & Memberships
|Financial Organization Memberships:||Financial Planning Association (FPA)|
|Non-Financial Organization Memberships:||Boy Scouts of America, Volunteer Leader Trout Unlimited|
|Firm's Number of Clients:||100|
|Firm's Number of Planning Clients:||100|
|Firm's Number of Managed Clients:||55|
|Assets Managed by Firm:||22000000|
|Advisor's Number of Clients:||65|
|Advisor's Number of Managed Clients:||40|
|Advisor's Number of Planning Clients:||65|
|Assets Managed by Advisor:||$22,000,000|
|Registered Investment Advisor:||Yes|
|Investment Advisor Representative:||Yes|
|I am an acknowledged fiduciary:||Yes|
|Compliance Disclosures in Last 5 years:||I have a clean record|
|Criminal Disclosures in Last 5 years:||I have a clean record|
Compensation and Fees
|Fee Structure:||Fee Only|
|Minimum Portfolio Size for New Managed Accounts:||100,000|
|Compensation Methods:||Flat Fee, Hourly, Based on Assets|
|Fee % Based on Assets:||.55%-1.25%|
|Flat Fee Rate:||varies|
|Additional Details on Charges:||Managed accounts are charged a fee based on assets under management. There is no asset minimum for financial planning work, for which we quote a flat fee based on estimated hours work. We do work with accounts smaller than $100,000, but will be compensated by hourly fees or flat rate for advice. We are open to hourly fee only type arrangements, if requested by a client.|
|Minimum Fee Charged for Managed Accounts:||n/a|
|Minimum Fee Charged for Hourly Planning Accounts:||n/a|
|Minimum Fee Charged for Flat Fee Accounts:||n/a|
Financial Pathway Advisors LLC is a Registered Investment Advisor with the State of NJ. We do not solicit or accept business outside NJ except where permitted by applicable state and federal securities law.
Being a successful financial planner requires a diversity of skills and experience. Obviously an advisor needs to be comfortable in the analytical world of numbers, statistics, and financial analysis. But at the same time, we work in the world of people as well. We work with people with many different backgrounds - wealthy and not so wealthy. Business owners and employees. Professionals, scientists, executives, and blue collar workers. Jim's diverse background and years of business and financial experience are ideally suited to the eclectic requirements of the financial planning profession.
1984 - BS Degree Business Admin, Drexel University
1984-1987 Computer Sales (Computerland, Data Access Systems)
1987-1991 Electronic Systems Specialist, Monarch Marking Systems
1991-2003 Co-Founder and Chief Operations Officer, Shore to Shore Inc. (this became a very successful international provider of specialty tags and labels to the apparel industry)
2004-2006. Financial Planner, Frontier Financial Planning.
2007-present. Certified Financial Planner, founder of Financial Pathways.
Jim has also taught college level business courses including Business Ethics and Social Responsibility (Monmouth U) and Intro to Marketing (FDU).
Jim is active in his Hillsborough community, notably as longtime volunteer leader in Cub Scouts and Boy Scouts. Hobbies and interests include fly fishing, running, and the outdoors.
Financial Advice & Consulting
We make ourselves available for simple hourly fee consulting and advice, as well as more detailed financial planning projects. We realize that some people are not ready for a detailed financial plan, but may still need help with a few important financial issues.
Financial Planning for Individuals
Your financial plan is like the GPS that guides you to your financial goals. We analyze all key areas of your financial life and make recommendations - always based on your best interest. We create detailed projections mapping the way forward toward your goal. We will follow up with you as you move down that pathway over time, making sure you stay on the planned course, and making adjustments as needed. We are Fee-only planners. We do not sell financial products. You can rest assured that our plans are "real" plans 100% focused on your needs, not a sales pitch.
Financial Planning for Businesses
Having succcessfully founded, grown, and sold a successful (non financial) firm of his own, Jim brings a unique planning perspective to his small business owner clients.
Luba Globerman CFP, CDFA
|Mon.||9:00 AM - 8:00 PM|
|Tue.||9:00 AM - 5:00 PM|
|Wed.||9:00 AM - 8:00 PM|
|Thu.||9:00 AM - 5:00 PM|
|Fri.||9:00 AM - 5:00 PM|
|Bound Brook||Budd Lake|
|East Hanover||East Orange|
|Glen Gardner||High Bridge|
|Lake Hiawatha||Lawrence Township|
|Monmouth Junction||Monroe Township|
|Mount Freedom||Mount Tabor|
|Mountain Lakes||Neshanic Station|
|New Providence||New Vernon|
|Perth Amboy||Pine Brook|
|South Bound Brook||South Orange|
|South Plainfield||South River|