James D. Kinney

Retirement, Investing, Lifestage Based Planning
“Jim is a firm believer that sound financial planning, when done with proper due diligence and a fiduciary standard of care, can improve lives, reduce stress, avoid pitfalls, and help clients achieve their most important goals. As a fee only advisor, he only provides "client-goal-centered” advice and does not accept commissions for the sale of financial products or insurance. ”

Financial Pathway Advisors, LLC

Job Title:



James Kinney is the founder and owner of Financial Pathway Advisors of Bridgewater New Jersey. Financial Pathways also has offices in Flanders and Cranbury New Jersey. 

Jim is a Certified Financial Planner and a NAPFA registered fee only financial advisor. Fee only advisors are committed to maintaining a compensation model that eliminates the potential conflicts of interest which may result when parties other than the client are paying for advice. Fee only advisors are not permitted to accept commissions, referral payments, or any other form of compensation from investment firms, insurance companies, or other professionals.

Jim is a strong believer in the power of financial planning, when done with the clients’ best interests in mind, to improve lives, reduce stress, and achieve goals. Both Jim and Luba have analytical backgrounds (both have spent time working in IT, as well as business and finance), which are demonstrated in the care and attention they pay to even the smallest detail in their clients’ financial plans. 

In addition to retirement planning and investing, Jim has specialized training in planning for college, while his partner, Luba, is a Certified Divorce Financial Planning Specialist. 

Jim believes that investment risk management should be at the core of every financial plan. Again, his analytical approach is on display as the firm carefully creates, for each client, portfolios that are optimally diversified to balance investment risk vs. the need for positive returns. There are no cookie cutter investment solutions at Financial Pathways. Each client’s investment recommendations are unique and based on his or her carefully considered financial plan.

Jim lives in Hillsborough New Jersey with his wife Laura. They have four adult and college age children. Jim earned his bachelors degree in Business Administration from Drexel University in 1984, his MBA from Fairleigh Dickinson University in 1990. Prior to beginning his current career, Jim had been a successful entrepreneur, founding and growing a successful international manufacturing and data management company from 1990 to 2003. He started his financial planning career in 2004, founded Financial Pathways in 2007, and earned his CFP® certification in 2008. Luba Globerman joined his practice in 2009. Jim is a member of the Financial Planning Association (FPA) as well as the National Association of Personal Financial Advisors (NAPFA).  He has been an active adult leader in the Boy Scouts of America for 18 years, and enjoys camping, hiking, fishing, running and the outdoors.   


BS, Business Administration, Drexel University
MBA, Fairleigh Dickenson University

Fee Structure:


CRD Number:



Financial Pathway Advisors is a Registered Investment Advisor in the State of New Jersey. Advisory services are offered only to residents of the State of New Jersey, except as permitted by applicable state and federal securities regulations.

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June 2017
    Retirement Savings, Retirement Living, Retirement

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Should I invest in a hybrid fixed indexed annuity?
100% of people found this answer helpful

I don't ever like to hear the words "I am about to put my entire life savings into.." pretty much anything.  Be very careful about the fine print, including "caps" to earnings "participation rates" withdrawal rules, and the like.  If you cannot explain to me exactly how the money grows, what your investment will be worth if the market goes up 10% or down 10%, what the surrender period is and what are the exceptions, and what all the rules are regarding how you take your money out in retirement - then don't go here.  The investment is "guaranteed" by the issuing company.  Some fixed annuities are issued not by traditional insurance companies but by investment firms, which typically pay higher rates, but are less secure than the traditional insurance company issuers.  My advice is to diversify your holdings.  Never put all of your savings in one product - especially something illiquid (meaning you can't get out your money without a penalty).

January 2016
    Investing, Mutual Funds
Is there a mutual fund that specifically includes blue chip stocks?
100% of people found this answer helpful
February 2016
What signs show that an investor is successful after a year of being in the field?
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February 2016
    Marriage / Divorce, Personal Finance, Investing
What is the best strategy for me considering I'll need an additional $300/month to maintain my expenses, but also would like some growth in the investment?
100% of people found this answer helpful
February 2016
    Income Tax
My wife and I are 72. Do we have to file an income tax return for 2015?
100% of people found this answer helpful
January 2016