Meet Our Founder
Jim Grace, CFP®.
If you’re like many of the people I work with, you’re managing a demanding career, raising kids, supporting aging parents, and trying to make wise financial decisions in a world that seems to get more complicated every year. You want clarity, you want direction, and you want to feel confident you’re building the future you envision — but it often feels overwhelming. That experience is fully understood here because it’s lived here too.
I’m James Grace, founder of Modern Financial Wellness. I’m a CFP® professional, husband, and father of two. My wife has a demanding corporate role with equity compensation. I run a business. Both of our parents are aging. Our days look a lot like yours: full, fast, and filled with decisions that feel important but often get pushed aside because life is happening in real time.
Money doesn’t show up in a vacuum — it shows up in real life, in moments of stress, transition, uncertainty, or growth. I grew up watching my parents work multiple jobs to build the life they wanted: a home, college for their kids, a vacation each year, and the ability to retire someday. They absolutely achieved their version of the American dream. Today’s world, however, is faster-paced, more complex, and far less linear.
That contrast between then and now is what first sparked my deeper curiosity about how people actually experience money. As life has become faster, noisier, and more complex, one thing has become clear: the way people behave with money is far more emotional and human than traditional financial planning ever acknowledges. Nobel Prize–winning economist Richard Thaler captured this perfectly: “People aren’t dumb. The world is hard.”
Modern Financial Wellness was created to make that world feel less hard.
You deserve clarity. You deserve a guide who understands the pressures of real life. You deserve a plan that reflects your values, reduces overwhelm, and helps you define what “enough” truly means.
With nearly 20 years in wealth management—including my role as Director of Wealth Management at Silver Pine Capital—my work centers on helping you navigate life’s most important financial decisions with clarity, confidence, and a long-term perspective.
I also host the Modern Financial Wellness podcast, where experts in psychology, behavior, planning, and well-being explore the most important — and often overlooked — aspects of wealth.
Outside of work, life is filled with family time, coaching my two sons’ Little League teams, time at the beach whenever possible, travel, and creating as many meaningful experiences as we can — the things a financial plan is ultimately meant to support.
If you’re ready for a financial planning experience that understands the full reality of your life, this is a place built for you.