James Mwombela, CFP®, CSLP®
Financial Planner
The Hour
- Pregúntale a un asesor financiero lo que quieras sobre inversiones en una hora
- Sin comisiones, productos ni discurso de ventas
The Plan
- Un programa de 8 semanas para lograr un plan estratégico de tu vida financiera
- Obtén un plan financiero de más de 8 páginas
- $0 ahora; paga después de tu primera reunión
The Ongoing
- Apoyo continuo y responsabilidad cuando lo necesites
- Videollamadas trimestrales y correos ilimitados
- Revisión financiera anual de 2 páginas
Acerca de James
Biografía
I usually get to the heart of your financial situation and goals within the first 5-15 minutes of the call. I specialize in helping clients plan major life transitions such as retirement, FIRE and Coast FIRE, career transitions, sabbaticals, going back to school, and starting a family. My other specialty is in the emotional/behavioral side of money. I help you make financial decisions based on your goals, emotions, and values instead of basing things purely on the numbers. I have helped many clients uncover the stories in their head around money, let go of unhelpful mindsets around money, and transform their relationship with money for the better. My goal is to help you balance saving money with living your best life today while making your finances as simple as possible. By the time our meeting is over, you will have gained important financial knowledge and feel empowered to make the right financial decisions!
Puedo ayudarte con
Me gusta trabajar con
Lo personal
I live in Durham with my wife Rachel, our son Joey, and our very sweet and friendly pittie named Riley. In my personal time I love watching sports, working out, cooking, and exploring the outdoors.
Educación y designaciones
Experiencia
Reseñas
Los clientes dicen
Los reseñadores mencionan
- Student Loan Planning
- Public Service Loan Forgiveness
- Student Loan Repayment Strategies
- Retirement Planning
- Early Retirement
- FIRE Strategies
- Tax Planning
- Tax Optimization
- Investment Planning
- Portfolio Management
- Asset Allocation
- Investment Strategy
- Knowledgeable
- Thoughtful
- Attentive
- Supportive
- Patient
- Kind
- Compassionate
- Nonjudgmental
- Personable
- Friendly
- Approachable
- Professional
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He was willing to listen.
He was willing to listen.
Helpful, insightful and easy to work with - 10/10!
James was really wonderful to talk with. We had great rapport and he instantly made me feel at ease and comfortable getting into the nitty gritty. We were able to do a portfolio review together and he was extremely familiar with the platform that I've been using to manage our finances and plan our financial future. James was even able to show me some areas of the platform that I hadn't dug into and provided some very enlightening insight into my numbers. I had scheduled the call with James to get a second opinion from a different perspective and he absolutely provided me that. He was knowledgable, straight forward, and supportive. I'd definitely recommend James!
Thank you for the review
I appreciate the kind review Kelsey, and I'm glad our session was helpful!
Great advice
James is great! He gave me practical advice and is helping me balance living my life and paying my loans.
A phenomenal experience
James is fantastic! Not only did he answer all of my questions, but he also asked me great questions that helped me clarify what my own goals actually are. He’s attentive to the psychology of money, and he made sure that our plan felt right to me. The notes he sent after the meeting were extremely detailed and thoughtful and added a lot of value to the session. I would absolutely go to James again in the future, and in the meantime I heartily recommend him to anyone looking for financial advice.
Thoughtful, non-judgmental, clear, and concise
He was very thoughtful, non-judgmental, and gave us clear and concise first steps. He followed up with a recap of our conversation and action items. We will definitely continue to work with him
Thanks for the review
I appreciate the kind review Marie, and I look forward to working together further!
One Session Was All It Took
Even though I'm also a CFP® professional, I still wanted to use a specialist when it came to my wife's grad school loans. I found James and honestly one session was all it took. I submitted our documents beforehand, he came fully prepared, and we left with a clear plan we could actually act on. We're positioning ourselves for loan forgiveness and it'll likely save us at least $100k. The stress and anxiety we had around her loans are basically gone. Can't recommend him enough!
Collaborative, Flexible, and Truly Tailored Retire
When an unexpected career transition moved my retirement timeline up ahead of schedule, I needed a clear, second-opinion reality check to confirm whether I could step away with confidence. James provided exactly that. Throughout the process, James was exceptionally collaborative, generous with his time, and receptive to feedback. Rather than forcing generic solutions or locking our discussions into rigid hour-long slots, he adapted to our pace and built a plan centered entirely around our specific goals and philosophy. He was also wonderful to work with as a couple—he warmly welcomed my partner and soon-to-be spouse into our calls, actively sought her input, and ensured both of our perspectives were seamlessly integrated into the plan. His guidance on our portfolio mix and withdrawal sequencing was especially valuable. He accommodated my preferred core holdings while structuring an actionable 5-fund allocation, practical cash-bucket guardrails, and a phased withdrawal roadmap designed for tax efficiency. He also thoughtfully addressed my specific perspectives—including concerns regarding U.S. debt and currency exposure in our fixed-income allocationand aligning the modeling with a "Die with Zero" approach. If you are navigating an important life transition and want a flexible advisor who listens closely and crafts a customized strategy, I highly recommend working with James.
James was very knowledgeable about my complex s...
James was very knowledgeable about my complex student loan situation and gave me great guidance. It was a pleasure meeting him and would recommend.
IRA Education with James
I had a great experience working with James through Nectarine. One of the things I love most about Nectarine's model is that they truly practice what they preach. You pay a flat fee for advice, and that's it. There's no pressure to hand over your investments, no sales pitch, and no attempt to convince you to let them manage your money. It made the entire experience feel objective and focused on what was best for me. The process was incredibly easy to sign up for, and James had excellent communication before, during, and after our call. He was responsive, organized, and made the whole experience seamless. I scheduled the session because I recently became self-employed and was trying to understand self-employed retirement accounts. I had never set up a SEP IRA before, and the whole topic felt overwhelming. James did a fantastic job breaking everything down into terms I could understand. He was patient, answered every question I had thoroughly, and was happy to repeat or explain concepts in different ways until I felt confident I understood them.
Amazing to Work With
We was excellent to work with. His advise, knowledge, and sense of care and concern was great to have to help me develop my Financial Plan for the now and the future.
Preguntas frecuentes
The Hour: You'll fill out a short intake form so we can learn about you and your goals for our meeting! In your Nectarine account, you can also enter your personal financial information (net worth and budget details) as well as upload files to your Secure File Vault. We also recommend that you have any necessary account login information ready.
The Plan and The Ongoing: You'll get access to a financial planning portal where you can share your numbers, link your accounts, and upload the requested documents (we'll share a list).
The Hour: Yes, you will receive an email summary with important takeaways and resources so you'll know what to do next.
The Plan: Yes, you will receive a 8+ page roadmap on your full financial picture with detailed information on the next steps. Your advisor will be available to help you implement any items.