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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6 days ago
    Investing, Stocks
June 2017
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September 2017
    College Tuition, Debt

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    Debt, Financial Planning
How can I dig myself out of debt after losing my job?
100% of people found this answer helpful

I understand your situation.  It is all too common.  We all tend to think that status quo projects on forever (good job, sufficient income) - and then along comes Murphy (as in Murphy's Law) to shake everything all up!  

Dealing with creditors on your own is challenging.  If you are current on your payments, they will be reluctant to talk to you.  What is their motivation?  In fact, some of the debt settlement companies will tell you to stop paying altogether for a period of time - so they can bolster their negotiating position.  (BTW - I don't trust any of the for profit companies!). 

I like to start with essential living expenses.  What is the minimum amount you need to survive.  Rent/mortgage?  Food, taxes, utilities, essential transportation, basic clothing.  What are they now?  Can they be reduced (i.e. can you sell house and rent an apartment until you get back on your feet, etc.).  Subtract this amount from your income.  The balance is what you have available to pay your debts. 

If this amount is far less than the minimum payments on debts, then bankruptcy may be necessary.  

Otherwise, what I would suggest is a "debt snowball" approach.  If you can afford to, maintain minimum payments on all the debts, and put maximum effort into paying down the smallest debt you have until it is gone.  Eliminating this debt will now eliminate one payment - and will give you a little more cash with which to attack the next smallest debt, etc.  

If you are unable to cover all the minimums, it becomes a judgment call.  You can try to attack the smallest debt, while short paying the others - as described above.  However, once you short them, this will start collection calls.  However, it may also increase the willingness of creditors to negotiate.  Always talk to the creditors, be truthful, and explain that you want to repay in full, and are trying to avoid bankruptcy.  Ask for lower interest rate, or other accomodation.  You want to avoid having them pass this on to collection agencies.  And if they do - you want to avoid case going into court.  

If your best efforts fail, then bankruptcy may become your only option.  

You may want to attend a Dave Ramsey Financial Peace University class.  Google it.  I am facilitating one near Clinton NJ in September, but there are usually classes starting up somewhere.  

Best of luck, I note by zip code you are a fellow New Jerseyan.  






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