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James Conole

Personal Finance, Investing, Small Business
“James Conole is a Certified Financial Planner and the founder of Root Financial Partners. ”

Root Financial Partners

Job Title:



Hi, I'm James Conole. When I was younger, I was confused about money and felt ill-equipped to one day manage it on my own. After spending years studying finance and working in the financial services industry, I now know that I wasn’t the only one that felt this way.

When you lack control over your finances you tend to feel like your future goals are out of reach.

That’s why I developed a framework that helps clients get organized, create a plan, and take ownership of their financial future. I walk clients through this process and then partner with them along their journey to achieve their goals.


BS, Business Administration, Pepperdine University
MBA, Finance, Pepperdine University, Graziadio School of Business

Assets Under Management:

$5 million

Fee Structure:

Monthly Fee


All information herein has been prepared solely for informational purposes, and it is not an offer to buy or sell, or a solicitation of an offer to buy or sell any security investment or instrument or to participate in any particular trading strategies.

Securities and investment advisory services offered through Root Financial Partners, LLC , a Registered Investment Adviser. 

  • Root Financial Partners
All Articles
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February 2018
    Investing, Asset Allocation
May 2018
    401(k), Retirement Plans, Retirement Savings
June 2018
    Estate Planning
May 2018
    Choosing an Advisor, Career / Compensation
February 2018
    IRAs, Retirement Savings

All Answers
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    Debt, Investing, 401(k), IRAs, Stocks
Should I pay off my credit card debt and student loan debt, or contribute the maximum amount to an HSA and Roth IRA, and contribute 10% to my 401(k)?
89% of people found this answer helpful

Here is what I would recommend:

  1. Make minimum payments on your student loan.
  2. Pay as much as possible towards your credit card first. This gets rid of high-interest rate debt and will then allow you to attack your student loan more aggressively. 
  3. Once the credit card is paid off then you can increase your student loan payments again. 

Regarding your invests - I would stop making HSA and Roth IRA contributions for the time being too. The best thing you can do to build wealth over time is stay out of debt. By temporarily shutting down investment contributions you are going to put yourself in a wonderful position to save even more aggressively once you're out of debt.

I would make my first priority getting out of credit card debt as soon as possible. Then pay off that student loan and before you know it you'll be making substantial contributions to all of your retirement accounts. Nice work! 

April 2018
    Choosing an Advisor
My current financial advisor is billing monthly; is that common?
75% of people found this answer helpful
April 2018
Where should I invest newly acquired inheritance money?
50% of people found this answer helpful
December 2017
How should I pay off credit card debt with high interest rates?
50% of people found this answer helpful
December 2017
    College Tuition, Debt, Investing, Starting Out
I want to invest some of my savings with a long-term strategy to use to pay back the loans I will be taking out for school; what kind of investment strategies or accounts should I consider?
June 2018