James Kinney


Financial Pathways

Founder and Financial Advisor

James Kinney


Financial Pathways

Founder and Financial Advisor

Financial Planners have a well earned reputation for talking too much. I will listen to and strive to understand your goals, your worries, your fears. The result is a better plan that will help you survive retirement AND sleep at night. - James Kinney, MBA, CFP®

866-635-8518 ext. 701

Fee-Only financial planner with offices in Bridgewater and Flanders NJ, serving clients locally and across the country

James Kinney is a Bridgewater, NJ and Flanders, NJ fee-only financial planner. Financial Pathway Advisors LLC provides comprehensive and objective financial planning, financial coaching, retirement planning, and investment management to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, James Kinney is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

James Kinney is the founder and owner of Financial Pathway Advisors.  He is an experienced and dedicated Certified Financial Planner™ with over 16 years of helping clients achieve their financial life goals as a FEE ONLY financial planner. 

I take financial planning and advice seriously.  These plans I work on, the advice I give - it's far more than just a day's work.  My clients are making serious and life-changing decisions based on the analysis I do, and the advice I offer. That's an awesome responsibility, and I take it very seriously.  This is what motivates me to get out of bed every day, to study hard, to keep on top of the latest research in the field.  

It is also why I decided early in my financial planning career to join with the National Association of Personal Financial Advisors (NAPFA). NAPFA advisors not only take a fiduciary oath to always put their clients' needs first, but we back up that oath by promising to never accept commissions or third-party payments which may influence the advice we give and the recommendations we make.  NAPFA advisors are also committed to educational excellence.  We are required to complete twice as many Continuing Education credits as is required by the CFP Board of Standards. 

I bring not only training and well over a decade of financial planning experience to the job, but a myriad of life experience as well.  I have started, grown, managed, and sold a successful international manufacturing business.  I’ve put several of my four kids through college. I'm married to my wife Laura for over 30 years.  We live in the lovely town of Califon in Hunterdon County, New Jersey.  When not helping clients with their financial affairs, I can be found tending the garden, fly fishing, running or biking, or teaching financial literacy programs.

James Kinney is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

Fee Only Financial Planning Advice in Central NJ

Financial planning and investment advice from our experienced CFP® professionals can reduce uncertainty, increase confidence, and relieve stress.

We are committed to helping our New Jersey neighbors create sound and secure futures for themselves and their families.  Better decisions lead to brighter futures, and sound planning is the key to making better decisions. With years of experience and specialized knowledge, we will create a detailed and personalized financial plan – a road map which provides step by step and turn by turn directions leading you to the financial future you most desire.

Why choose Financial Pathways?

  • We are independent and locally owned.  We owe no allegiance to anyone but our clients.
  • As fee only planners and advisers, we only work for you.  We do not get paid commissions.
  • As committed fiduciaries, we will always put your interests even ahead of our own.
  • We will take the time to listen and understand your individual needs and concerns.

No gimmicks, no hidden sales agenda.  Just sound planning designed around your your life and your dreams.  Call us today to start planning the future you want to live!

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    James Kinney is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    James Kinney is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • Financial Planning Association
    James Kinney is a member of The Financial Planning Association® (FPA®)

    FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.

  • Certified College Planning Specialist™ (CCPS®)
    James Kinney is a Certified College Planning Specialist™ (CCPS®)

    The CCPS® (Certified College Planning Specialist™) designation is the standard of excellence for college financial planning.

    The CCPS® (Certified College Planning Specialist™) certification mark identifies college financial planning professionals who have met the high standards of competency and ethics established and enforced by National Institute of Certified College Planners (NICCP).

Contact James Kinney

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Office Locations:

  • 1200 US Highway 22
    Suite 2000
    Bridgewater, NJ 08807
  • 230 US Hwy 206
    Flanders, NJ 07836

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