James M. Matthews

James brings more than two decades of experience in the financial services industry, combining deep technical knowledge with a thoughtful, client-centered approach. He was born and raised in Baltimore, Maryland, but for almost 20 years, he’s called North Carolina home. He earned his Bachelor of Arts in American Studies from the University of Maryland, Baltimore County, and went on to complete advanced education in financial planning, including a graduate certificate from NC State University, a master’s degree in Personal Financial Planning, from The College for Financial Planning. He also attained the Retirement Income Certified Professional (RICP) and Chartered Life Underwriter (CLU) designations at the American College of Financial Services. James began his career in the financial services industry and spent 12 years in banking and leadership roles with a large retirement plan administrator before pursuing his vision of building a practice dedicated to helping individuals eliminate the uncertainty surrounding retirement planning. 

Motivated by a desire to make a more direct and meaningful impact, James transitioned into a role where he could guide clients through both the technical and emotional aspects of financial decision-making. He specializes in working with business owners nearing retirement, empty-nester couples, and professionals in transition—particularly those with significant assets who want clarity and confidence in their long-term plans. Known by colleagues as an “Advisor’s Advisor,” James is often sought out for his insights and collaborative approach, and he even counts other financial professionals among his clients. His advanced studies in financial psychology and communication enable him to bridge the gap between the numbers and the human experience, helping clients see beyond their balance sheets and focus on achieving lasting financial satisfaction. His mission is to help clients protect, grow, and manage their wealth so they can fully enjoy what they’ve worked so hard to build. 

Outside of his professional life, James is deeply engaged in both his personal interests and his community. He enjoys spending as much time outdoors as possible—whether hiking, running, walking his dogs, or simply relaxing with a good book. He also has a passion for hands-on projects, from restoring old cars to building around the house and caring for his collection of houseplants. A lifelong creative, he once played in several bands and began his career as a graphic designer in college. Today, he continues to share his curiosity through his newsletter, and his podcast, Retire Smarter, as well as his YouTube channel. James is also an active member of several professional and community organizations, including serving on the peer review board for the Journal of Financial Planning, and remains committed to continuous learning, growth, and meaningful connection both within and beyond his work. 

Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Consolidated Planning, Inc. is not an affiliate or subsidiary of PAS or Guardian.