Bringing Planning to Life and Meaning to Money

Your Financial Advisor & Fiduciary

Are you wondering whether you have enough abundance to live happily in your golden years?

Are you ready to receive guidance in navigating your investments?

Are you ready to trust your money with someone who truly hears and sees you for who you genuinely are?

I am not your father’s financial planner! I am a non-affiliated, fee-only CFP®  who approaches financial planning holistically.

I empower, educate, and inspire the women I work with.

Financial Life Planning

Now that you have dedicated your efforts to manifest the life you’ve envisioned, it’s time to allow your trusted financial steward that will guide you towards your next level of success.

My expertise lies in the magic of planning for life in your 60’s, 70’s, and 80’s, optimizing tax strategies, and investing assets according to your values while reducing risk.

You have arrived at the perfect destination if you seek:

  • a gentle, kind, and compassionate soul who embraces you, despite any perceived mistakes.
  • a guide who will illuminate the path to wise money management.
  • a steward who simplifies things and attends to them when you wish to let go.

You can expect me to:

  • provide a safe space for discussions.
  • offer guidance and support based on your unique financial situation.
  • Inspire you to live your best life.
  • respect your privacy and maintain confidentiality.

    Let’s start by having a stimulating exchange of ideas where we get to decide if our energy turns into synergy!

    Front Street Financial, founded by Jennifer Macedo, is on the west side of Maui in Lahaina, Hawaii. If you are looking for a fiduciary financial planner you can trust, you’ve come to the right place.

    Call, text, or schedule a meeting today. (808) 378-7808

    Examples of How We’ve Helped Clients:


    Small Business Owner Saves in Taxes:

    • We recommended and established a business retirement plan resulting in tax savings of over $99,000 in payable federal and state taxes.

    Selling and Purchasing Home Made Simple:

    • We assisted a couple in comparing their options for a home purchase, evaluating the pros and cons of utilizing cash or financing. They not only met their housing needs, but also aligned with their long-term goals.

    EIDL Money Sitting in the Bank:

    • Through a strategic recommendation, we were able to guide our client towards earning over $120,000 annually on their cash. They covered the interest on their EIDL while keeping the funds readily available for business use. 

    Peace of Mind to Woman in her 60's:

    • Brought ease and comfort during a time of grief and loss when money was inherited. We not only assisted with investing the funds, but guided to help understand the world of investing and finances.

    Retirement Planning Doubles Portfolio:

    • Through careful analysis we were able to help a client double their projected portfolio value from $6 million to an impressive $12 million. Financial planning can have a significant impact on long-term wealth accumulation.

    Budgeting for Woman Business Owner:

    • Budget optimization helped her reduce her spending and transform her into a saver! Savings have been substantial enough to cover our fee and contribute to her overall financial well-being.

    What Clients are Saying…

    “Jennifer at Front Street Financial has been instrumental in creating my plan for retirement. The value of doing financial planning with her is immeasurable. Together we have put into place an approach that will double my portfolio value over my lifetime. I highly recommend Jennifer if you are looking to multiply your money using financial planning.”  – Chris

    “Jen’s recommendations have been very profitable: converting IRAs to Roth IRAs and exchanging mutual funds with ETFs that reduce my annual income and allow us to control capital gains. Very knowledgeable about taxes too. We have been working together for 10 years and I trust her with my portfolio.”   – Diane

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    Front Street Financial (“FSF”) is a registered investment advisor offering advisory services in the State of Hawaii and in other jurisdictions where exempted.  The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by FSF in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.
    All written content on this site is for information purposes only. Opinions expressed herein are solely those of FSF, unless otherwise specifically cited.  Material presented is believed to be from reliable sources and no representations are made by our firm as to other parties’ informational accuracy or completeness.  All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.