wiseradvisor

James  Kinney
Financial Pathways

Tel: (908) 203-4664
1200 US Route 22
Suite 2000
Bridgewater, NJ 08807

Your Life. Your Dreams. Your Plan.


About Financial Pathways

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
seven figures.


General Information

Firm Start Year:   2007
No.of Employees:   2-4
Insurance License#:   n/a
Name of Custodial Firm:   TD Ameritrade
States Licensed in:   NJ
Number of Years with Current Firm:   8
Work Experience:   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


Services

Investment Types:   Exchange Traded Funds (ETFs), Annuities, Stocks, Bonds, Options & Futures, Alternative Investments, Mutual Funds, Insurance, Socially Responsible Investments (SRI)
I can meet clients in the following ways:   At your home, At my office, At your office


Qualifications & Memberships

Financial Organization Memberships:   Financial Planning Association (FPA)
Non-Financial Organization Memberships:   Boy Scouts of America, Volunteer Leader Trout Unlimited


Firm Information

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


Compliance

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:   Based on Assets, Hourly, Flat Fee
Fee % Based on Assets:   .55%-1.25%
Hourly Rate:   $195
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



Faqs

  • Do you have a customer satisfaction or refund policy? Yes, for financial planning advisory services, we do have a guarantee of satisfaction. Of course, there is no guarantee of performance on investments or investment management services, nor is there any guarantee that clients will meet their stated goals. See financial planning contract for details.
  • What are your qualifications? What is your education background? I am a Certified Financial Planner. The CFP Board has famously high standards for education, experience, and ethics. I have an MBA from Fairleigh Dickinson University (1990) and a bachelors degree in business administration from Drexel University (1984).
  • What is your approach to financial planning? Can I afford to retire? Where will the money come from? How long will it last? How can I pay for college? Are my investments safe enough? Uncertainty leads to stress. My job is to reduce uncertainty and stress through the financial planning process, while helping clients meet their most important goals.
  • What services do you offer? Financial Planning (fee) Investment Management (fee based) Hourly fee "advice only" Retirement Planning College Planning
  • How many clients do you currently manage? I believe a personal relationship with your financial planner is extremely important. As a young but growing firm, I take great pride in the fact that I know each and every client's life story, financial situation, and aspirations as clearly as my own. I have apx. 25 ongoing investment management clients. I also do many hourly fee consultations and "one time" financial planning projects.
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Disclaimer

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.

James  Kinney

James  Kinney

CCPS, CRPC®, CERTIFIED FINANCIAL PLANNER™ Certificant, CDFA

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.

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My Services

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.


My Team

Luba  Globerman
Luba Globerman CFP, CDFA
Luba specializes in working with single women, who may face unique financial challenges. In addition to being a Certified Financial Planner(tm) and a partner in Financial Pathways, Luba is a Certified Divorce Financial Analyst.

Office Hours

wiseradvisor-balck-li-img Mon. 9:00 AM - 8:00 PM
wiseradvisor-balck-li-img Tue. 9:00 AM - 5:00 PM
wiseradvisor-balck-li-img Wed. 9:00 AM - 8:00 PM
wiseradvisor-balck-li-img Thu. 9:00 AM - 5:00 PM
wiseradvisor-balck-li-img Fri. 9:00 AM - 5:00 PM

Communities Served

Annandale Asbury
Avenel Basking Ridge
Bedminster Belle Mead
Berkeley Heights Bernardsville
Bloomsbury Boonton
Bound Brook Budd Lake
Caldwell Califon
Carteret Cedar Knolls
Chatham Chester
Cliffwood Clinton
Cranbury Cranford
Denville Dover
Dunellen East Brunswick
East Hanover East Orange
Edison Elizabeth
Elizabethport Essex Fells
Fanwood Far Hills
Flagtown Flanders
Flemington Florham Park
Fords Franklin Park
Frenchtown Garwood
Gillette Gladstone
Glen Gardner High Bridge
Highland Park Hopatcong
Hopewell Iselin
Keasbey Kendall Park
Kenilworth Kingston
Lake Hiawatha Lawrence Township
Lebanon Ledgewood
Linden Livingston
Long Valley Madison
Manville Maplewood
Martinsville Matawan
Mendham Metuchen
Middlesex Milford
Millburn Millington
Milltown Mine Hill
Monmouth Junction Monroe Township
Morganville Morris Plains
Morristown Mount Arlington
Mount Freedom Mount Tabor
Mountain Lakes Neshanic Station
Netcong New Brunswick
New Providence New Vernon
Newark North Brunswick
Old Bridge Oldwick
Orange Oxford
Parlin Parsippany
Peapack Pennington
Perth Amboy Pine Brook
Piscataway Pittstown
Plainfield Port Murray
Port Reading Pottersville
Rahway Randolph
Ringoes Rocky Hill
Roseland Sayreville
Scotch Plains Sewaren
Short Hills Skillman
Somerset South Amboy
South Bound Brook South Orange
South Plainfield South River
Spotswood Springfield
Stanhope Staten Island
Stirling Stockton
Succasunna Summit
Three Bridges Union
Washington Westfield
Whippany Whitehouse Station
Woodbridge NJ

Compensation Arrangements

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