My wife is 60 and I am 62 and we have been clients of Jim Kinney for the past few years. Thanks to Jim's financial acumen and sage counsel, we were able to retire three years ago. We are extremely conservative financially, and we asked Jim to help us earn income on our investments (to supplement our pensions) while preserving principle as much as possible. Jim listens to his clients and is very respectful of their risk tolerances. In our case, we have a "very limited risk tolerance" and he has guided us to conservative investments that still meet our income goals. The Financial Plan prepared by Jim is extremely comprehensive. It is more than just a snapshot of where we are financially - it is a guide and a tool (along with the monthly Morningstar reports that Jim provides) that we use to regularly monitor our financial health, our progress, and make sound financial decisions. As we contemplated retirement and a move across country, we consulted Jim regarding the sale of a home, purchase of two condominiums, purchase of a new vehicle, etc. Jim was also extremely helpful in re-assessing our life insurance needs and our long-term care insurance, and he referred us to an excellent CPA. in addition to being trustworthy, Jim and his partner Luba, are ethical and just good people who we most highly recommend. read more

Are you looking for a down to earth financial planner? One who will make time for you at your convenience? A straight shooter, that will make things comfortable for you a financial planner you can have faith in. My husband and I together, were in the process of moving my husbands 401Ks and also talking to Jim about my 88 year old Mom's portfolio. When my husband unexpectedly passed away, I was in such a dither because even though I was part of the of the everyday finances all this seemed so very complicated. What if I made the wrong decisions? This was my future. Jim very calmly sat with me answered all my questions, drew up a plan that made me feel comfortable, one that's no too aggressive but still making money. He also gave me advice concerning Mom that would protect her and me as the executor of her estate in the coming years. It's been 5 years now and I feel better about my finances today thanks to Jim. I highly recommend Jim as your financial planner! read more

I am very fortunate to have met Luba Globerman during a very difficult time in my life. I'm a recently retired woman and was extremely concerned about the lack of an equitable distribution of marital property, even considering a legal separation in order to secure access to marital assets. Luba is an extremely intelligent financial divorce expert and a wonderful person. She has always been accessible via email or telephone for quick questions as well as lengthy planning meetings. She listened very carefully and with incredible patience and empathy she helped me understand my family's finances and my personal needs. She suggested to me what steps I needed to take to feel more secure in my retirement years. I cannot thank her enough for her advice and support. The fee for the services Luba provided for me was definitely money well spent for the benefit of her expertise and support. read more

Now that I am 66 and my wife is the same age we will be retiring later this year. We have worked with Jim for over ten years. Originally sought his advice (and his then business partner) to get advice on how best to help our daughter get into her first house without getting too entangled in her finances, and with a way to extricate ourselves. That guidance worked out well, and we followed the advice with success. In addition we have consulted Jim and Luba on Long Term Care insurance; on taxes (he recommended a good CPA) and on financial planning geared to retirement. Jim has also been managing a portion of our investments. Jim and Luba will listen to what you have to say, and what your situation is rather than give the same "cookie cutter" advice to everyone. Highly recommended. read more