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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What should I do with my retirement investment?
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One thing to keep in mind is to understand how your advisor is paid. I am not going to offer a judgment here, only explain. It is possible that the way your advisor is paid may influence the advice you receive. Advisors are paid in the following ways. 

1. Commission. You pay nothing directly for the advice. The advisor gets paid based on financial products he is able to sell you. 

2. Fee Based.  Advisor may charge fees for some advice, but sell products in other cases.  If working with a fee based advisor, you need to be sure you always know what hat he is wearing. 

3. Fee Only.  Fee only advisors are only paid a fee by you and do not sell products for commissions.  There are two kinds of fees. 

a) Investment Management Fees.  These advisors will charge a fee on the investments they manage for you.  Many will have high minimums and may be unwilling to work with you if you do not have sufficient assets. 

b) Hourly / Project Fee.  These advisors are paid for their time by you to give advice.  If they are also "fee only" then they will not be allowed to sell you any products, only make recommendations. 

Screening tools at CFP Board (www.letsmakeaplan.org) the FPA (www.plannersearch.org) or NAPFA (www.napfa.org) can help screen clients based on the type of compensation they receive.  

You can view an advisors history of complaints and compliance actions through the SEC websit at www.brokercheck.org.  


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