# Cilimberg James

> Cilimberg James is a fee-only financial advisor at Foresight Financial Advising in Vestavia, Alabama, who holds the ChFC credential. Cilimberg charges a flat fee or retainer, an ongoing planning fee and a one-time planning fee and focuses on student loans and flat-fee planning.

Page: https://find.wellspent.co/advisors/cilimberg-james/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Foresight Financial Advising
- **Based in:** Vestavia, Alabama
- **Fee model:** Flat fee or retainer; Ongoing planning fee; One-time planning fee
- **Works virtually:** Yes (firm's website)
- **Assets under management (firm):** $1.1M across 12 accounts
- **Credentials:** ChFC
- **Specialties:** Student loans, Flat-fee planning
- **Works with:** Early-career professionals
- **CRD:** 7692115 (https://adviserinfo.sec.gov/individual/summary/7692115)
- **SEC registration:** Investment adviser representative in AL
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.foresightfinancialadvising.com

## Frequently asked questions

### Is Cilimberg James a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Cilimberg holds no broker registration, and Foresight Financial Advising reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Cilimberg charge for financial advice?

Cilimberg charges a flat fee or retainer, an ongoing planning fee and a one-time planning fee.

### Does Cilimberg work with clients virtually?

Yes. Foresight Financial Advising says on its website that it works with clients remotely.

### Where is Cilimberg James based?

Cilimberg James is based in Vestavia, Alabama.

### What does Cilimberg specialize in?

Cilimberg's specialties include student loans and flat-fee planning. Cilimberg works with early-career professionals.

### What credentials does Cilimberg James hold?

Cilimberg James holds the ChFC credential.

### Is Cilimberg James registered with the SEC?

Yes. Cilimberg James is registered as an investment adviser representative in AL (CRD 7692115), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Foresight Financial Advising manage?

Foresight Financial Advising reports $1.1M across 12 accounts in assets under management.

### How do I contact Cilimberg James?

Through Cilimberg's website, www.foresightfinancialadvising.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7692115): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://foresightfinancialadvising.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.