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Jim McCarthy, CFP®

Jim McCarthy, CFP®, ChFC®, is the owner of Directional Wealth Management, an independent financial planning and investment advisory firm in New Jersey. Jim advises families, professionals, executives, and business owners on how they can build better financial futures.

About Jim McCarthy, CFP®

Current Role

Owner, Directional Wealth Management


  • Education Planning
  • Retirement Planning
  • Investment Management
  • Insurance Planning

Certifications & Degrees

  • Certified Financial Planner™
  • Chartered Financial Consultant
  • Bachelor's degree in finance and accounting from Pace University

Personal Finance Experience

Jim’s emphasis is on helping clients grow, protect and enjoy their wealth. His expertise includes education and retirement planning, in addition to investment management and insurance.

Since entering financial planning and investment management in 2003, Jim has compiled a long list of credentials. In addition to being a certified financial planner (CFP®), he is chartered financial consultant (ChFC®) and an active member of the Financial Planning Association. Jim is also a board member of two local nonprofit organizations.

Latest from Jim McCarthy, CFP®

Personal Loans for People on Disability

A personal loan allows eligible individuals to borrow a lump sum based on their income and credit history. Disability income counts as one...

What’s a Good Rate for a Personal Loan?

If your car were to break down tomorrow, how would you cover the repairs? Or what if you found an amazing summer camp...

Small Business Loans: Which Type Is Best for Your Business?

Starting or growing a small business often requires financing beyond your personal savings. Unlike consumer...

Fix-and-Flip Loans With No Physical Documentation

If you’re an investor in the fast-paced world of real estate flipping, you’re on the...

Fix-and-Flip Loans With No Credit Check

Looking to flip properties but concerned about your credit history affecting loan approval?  A fix-and-flip loan is designed for real estate investors looking...

Fix-and-Flip Loans for Beginners

Fix-and-flip loans offer an easy way for new investors to get money quickly to purchase, renovate, and sell a home for profit.  These...

Should You Refinance to a Variable-Rate Student Loan?

When you refinance your student loans, a private lender pays off your current loans and...

How Much Does It Cost to Refinance Student Loans?

You’re not alone if you’re looking to refinance your student loans. Thousands of people swap...

Georgia HELOC Rates and Lenders

If you’re in the Peach State and considering a home equity line of credit (HELOC), securing the best rate can save you money....

Tax Debt Forgiveness With the IRS or State

Facing any debt can be scary, but it’s especially daunting when you owe the IRS. The IRS can garnish your wages and place...