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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December 2017
    Investing, Stocks
September 2017
    College Tuition, Debt
June 2017
    Retirement Savings, Retirement Living, Retirement

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    Asset Allocation, Bonds / Fixed Income, Stocks, Starting Out
Is it too early to start a portfolio for my one-year-old child, and would it be better to start off with a stock or a bond?
100% of people found this answer helpful

It's never too early.  However, it is also important to ask a few questions first.  

1. Before saving for your child, how is your own financial situation?  Are you debt free (other than mortgage)?  Are you on track with your retirement plan?  If not, then it is more important (and beneficial to your child) to get your own life in order first. 

2.  If the saving is for college, it may be more beneficial to consider 529 college savings plans.

If all is in order with your own life, then feel free to put some money in your childs name in a UGMA or UTMA account.  Before doing so, realize that once they reach the age of majority, they can do anything they like with assets in these accounts - and you may not approve.  I know it is hard to imagine your little baby may be a foolish and impetuous teenager someday - but trust me, it happens!  This is one reason we like 529 accounts - where the child is merely the beneficiary and you retain ownership of the account.  You can also open a special account in your own name, but which you understand is for their benefit, then you can gift or use the money for them as appropriate in the future.    

June 2018
    Financial Planning, Retirement, Retirement Savings, 401(k), IRAs, Retirement Plans
I have a 401(k) with my new employer; should I roll my traditional IRA into my new 401(k) account?
100% of people found this answer helpful
June 2018
    Financial Planning, Pensions, Investing, IRAs, Taxes
What should I do with my Roth IRA while I move to Germany for 5-8 years?
100% of people found this answer helpful
July 2018
    Debt, Taxes
What is my tax liability of a $50,000 loan repayment award?
100% of people found this answer helpful
3 weeks ago
    Estate Planning, Investing
Is it a good idea to have a brokerage manage my investments, and if so, how do I find a firm to do it for me?
100% of people found this answer helpful
2 weeks ago