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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®

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Who Owns My Student Loans?

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Student Loans for Teachers

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Though HELOCs typically have variable interest rates, there are also ways to lock in a fixed rate, which can save money and allow...

How Does the Draw Period Work on a HELOC?

During the HELOC draw period, you can withdraw money from your line of credit. You typically make interest-only payments during this phase.

Unsubsidized Student Loans

Unsubsidized student loans are offered by the Department of Education to undergraduate and graduate students, regardless of financial need. Borrowers are responsible for...