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New Jersey Financial Planning Services

An Instruction Book for Your Financial Life.

Your financial plan from Financial Pathways is the step by step instruction book for your financial life! 

The plan starts by creating a model of your financial future.  The model provides you with a "sneak peak" into your own financial future.  More importantly, it lets us test all kinds of "what ifs" as we develop an action list of recommendations.

We take a holistic approach to planning, considering all aspects of your financial life.  Plans may address retirement, education, government benefits, insurance, investments, estate plans, housing, taxes - or all of the above.

We have planned hundreds of successful retirements for our clients.  Let us put that experience to work for you!  


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You are Unique - Your Plan Should Be Too

Every plan we create is unique, designed to meet each clients unique life situation.  Plans will address some or all of the following topics based on each clients need:  

  • Current and Future Budget and Cash Flow Needs
  • Detailed Retirement Planning
  • Education / College Planning
  • Investment Strategy
  • Insurance and Risk Analysis
  • Debt Management Plan
  • Estate / Legacy Planning
  • Social Security / Pension analysis

The plan includes not only future projections, but detailed recommendations and an action plan to bring our recommendations to life.

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A Plan to Reduce Anxiety and Stress

"I feel so much better now that I know there is a real plan!"

We hear this all the time from our clients.  And why not?  This is complicated stuff, and the stakes are enormously high!  With so much uncertainty involved, is it any wonder we worry about money? 

A good sound retirement or financial plan from our team of New Jersey based fee only ffinancial planners can set your mind at ease.  We consider all of the what ifs - and provide a plan to address them! 

We do what we do so you can sleep at night.  So give us a call and see how we can wash away some of your stress and worry.  

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The Fee Only Difference

A financial plan is worthless unless you have the confidence with which to put the plan in motion.  And confidence requires TRUST.

This is why we have taken the road less travelled as FEE ONLY financial advisors and planners.  We receive no commissions or third party payments which may influence the advice we give.  We accept no payments from third parties - so we are obligated to no one but you. 

Our clients can TRUST the advice we provide because they understand that there is no hidden agenda, no self interest being served.  That means our plans are more likely to be put to use improving our clients lives - and that means much more to us than a foregone commission check.  


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Planning for Retirement

A majority of our clients initially come to us for help planning retirement. And why not?  This is a huge financial decision.  Many retirees can expect to live 30 years or more, without a paycheck. And if you're like almost everyone else, you've never done this before, so a little stress and angst is normal!  A sound financial plan from our experienced retirement planners can help relieve the stress!

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Planning for Divorce

Divorce can have huge implications on your financial future.  Doesn't it make sense to have a financial specialist on your side? 

Our Certified Divorce Financial Analyst can help guide you before, during, and after the divorce to make sure that you start your new life in the best possible financial position.  

Getting good sound financial counsel can help ensure that you start your new life on sound financial footing.  

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Planning for College

College has become a financial landmine, as the soaring cost of education is driving students and parents alike into a financial quagmire.  Our strong recommendation:  Don't start down this road until you know where every tuition dollar will come from!  

Our college specialist can guide you through the murky world of college finance, which has its own unique language and bizzare rules!  We will bring clarity, transparency, and understanding to this major decision.

We will help parents understand the implications to their retirement, and student to understand how loans may impact their future.  Our goal is no regrets!   

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