Bringing Planning to Life and Meaning to Money

Your Financial Advisor & Fiduciary

Are you wondering if you have enough money for a fruitful retirement? Would you like support and guidance with your investments? Are you looking for someone you can trust to help with your big life (and money) decisions?

We are glad you are here!

Our goal is to empower, educate and inspire clients, friends, and our community. With over a decade of financial planning experience and our highest integrity we will help you grow and protect your assets.

We specialize in reducing risk, maximizing tax strategies, and strategically investing your assets.

Our clients typically need us most when they are experiencing a major life transition.

Sometimes that’s making a plan to retire, selling a home (or business), or losing a loved one – most major life changes have financial implications.

You are in the right place if you are looking to:

  • understand what a financial advisor can offer
  • receive guidance on retirement decisions
  • feel more empowered with your financial situation

We offer advice on everything your money can do for you. We will:

  • invest in securities that match your values
  • make sure your fiancial plan will cover the unexpected
  • educate and inspire you to lift your financial situation higher!

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 set up a business retiement plan that saved this client over $99,000 in payable federal & state tax!

Selling and Purchasing Home Made Simple:

  • Financial planning used to compare options for a home purchase (cash vs. financing). With clarification it was easy for this couple to make a smart financial decision that will allow them to retire earlier!

EIDL Money Sitting in the Bank:

  • Recommendation to client allows earnings of over $120,000/annually on cash-like assets to cover EIDL interest while allowing money to be 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 helped not only to invest but to learn about investing and money.

Retirement Planning Doubles Portfolio:

  • By planning ahead with regards to tax planning, optimizing distributions, and conversions we were able to double the projected client portfolio value from $6 MM to over $12 MM.

Budgeting for Woman Business Owner:

  • Optimizing a budget has helped this client to reduce spending and become a saver. We’ve also found multiple areas of savings like healthcare that now pay for our fee!

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.