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Financial Pathways

Financial Pathways



About Financial Pathways

What We Do: 

We help clients PLAN FOR RETIREMENT.  

We help parents figure out HOW TO PAY FOR COLLEGE without breaking the bank. 

We help retirees MANAGE THEIR FINANCES during retirement. 


We help the recently widowed and others SURVIVE FINANCIAL TRANSITION.

We help YOUNG ADULTS and NEWLYWEDS get their financial lives off on the right track. 

We help clients MANAGE THE INVESTMENTS that support their financial plan. 

We help people make the most of an INHERITANCE or OTHER WINDFALL.  

We help retirees navigate Social Security, Pensions, and Medicare. 

We help ensure that you and your loved ones have the proper INSURANCE COVERAGES. 

We help those who are struggling to get a handle on their finances with FINANCIAL GUIDANCE AND ADVICE.

Why We Do It. 

Sound financial decisions help people live better lives.  And good decisions rely on good advice.  Nothing is more fulfilling to us than seeing the positive impact our advice has had on our clients' lives.  

Why Choose Financial Pathways?  

We are FEE ONLY FINANCIAL ADVISORS.  No commissions, no product sales.  We think that means fewer conflicts of interest and advice you can trust.  

We are EXPERIENCED.  Luba and Jim have been helping clients realize their financial dreams for over a decade.  

We are FLEXIBLE.  Almost everyone can benefit from good financial advice.  Not everyone needs investment management.  We make our advice available to all who need it with flexible compensation arrangements and no investment requirements.  

We are NON JUDGMENTAL.  Many of our clients have made some mistakes with their finances. Our job is to get you moving forward in a positive direction, not to look back at the past!  

We are EDUCATORS.  We won't befuddle you with finance jargon.  We will patiently teach you to deepen your understanding of the issues that impact your personal finances.

We are KNOWLEDGABLE.  Retirement, tax, budgeting, college finances, divorce, Social Security, Medicare, estate planning, real estate - we have deep experience and knowledge across a broad spectrum of financial issues and topics.  

We are DILIGENT PLANNERS!  We take financial planning very seriously!  No one is as thorough when it comes to financial planning as we are!   Your future quality of life depends on the decisions you are making - choose an advisor who will give your plan the time and attention it deserves.  

We are FIDUCIARIES.  As a fiduciary we will always put your best interest ahead of our own.  Not because anyone tells us we have to - but because we are professionals.  And we believe it is the right thing to do.    

Learn More About:  

Retirement Planning Services.  

Financial Planning Services

College Planning.  

Investment Advice / Investment Management.  

Financial Coaching / Hourly Fee Financial Advice

How to Contact Us:

Give Us a Call: (908)-367-9002

Send us An email:


Bridgewater, New Jersey Financial Planning Center serving Somerset, Hunterdon, Middlesex, Union Counties in Central New Jersey.

Flanders / Mount Olive, New Jersey Financial Planning Center serving Morris, Warren, and Sussex Counties in Northern / Northwest New Jersey.

We can also arrange meetings at convenient Regus meeting facilities in Roseland or Princeton New Jersey.