Jennifer Macedo


Front Street Financial


Jennifer Macedo


Front Street Financial


I am a financial advisor who helps women and their families with retirement and investments. I love helping people feel comfortable with their money and save hundreds and thousands of dollars using solid financial guidance. - Jennifer Macedo, CFP®

"Bringing Planning to Life and Meaning to Money" from Lahaina, Hawaii and across the Pacific.

Jennifer Macedo is a Hawaii financial advisor. She founded Front Street Financial to guide women and their families through retirement and navigate the complexities of investments.

After ten years in finance, Jennifer opened the first woman-owned Financial Planning firm in Lahaina on the west side of Maui, HI. Jennifer specializes in guiding clients 5-10 years out of retirement through successful retirement with empowerment and serenity. She also offers other financial services including managing sizeable purchases or sales, tax planning, estate planning, budgeting, and making money more meaningful. Whether it be retirement planning, charitable giving, or just sleeping well at night knowing someone is watching out for you, as a fiduciary, it is Jennifer's pleasure to be in this helping profession where she can make other people’s lives better.

Jennifer Macedo founded Front Street Financial. She is passionate about helping clients envision, plan for, and create lives they desire.

Jennifer holds a Bachelor in Accountancy from New Mexico State University and is a Certified Financial Planner (CFP®). Jennifer brings a decade of client management experience and financial planning to Front Street Financial.

Jennifer enjoys making an impact by serving on the board of the Guilliom Family Foundation, which invests in non-profit organizations around the nation.

In her free time she enjoys baking, reading a good book in her hammock, and traveling the world with her children, who are professional surfers,.

Front Street Financial has a culture of kindness, optimism, and flexibility. Our mission is to enrich the lives of our clients, ohana, and community through financial advice, integrity, and a commitment to achieve results beyond your expectations. As fiduciaries we strive to reduce the anxieties and complexities that money can bring. 

What is a fiduciary? A fiduciary is basically the opposite of a narcissist! A fiduciary is someone who thinks more about the people they serve than themselves. We have taken an oath to be your fiduciary. 

Fun Facts

  • Financial planners have been proven to earn clients an additional +3% return ANNUALLY on their investments. 

Jennifer Macedo is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

We offer one-time or ongoing financial planning to address the following:

  • Business Planning
  • Cash Flow and Debt Management
  • College Savings and Planning
  • Employee Benefits Optimization
  • Estate Planning
  • Insurance and Risk Management Review and Recommendations
  • Investment Analysis, recommendations and management
  • Retirement Planning
  • Tax Planning and Projections

…and the list goes on, but this doesn’t even speak to the mental and emotional relief of having assistance with the things we have spent years studying and gaining experience with.

If you are interested in collaborating with us we will look forward to our team work together, support of your dreams and enjoyment of a long lasting mutually beneficial relationship. Aloha!

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Life Planning
  • Retirement Income Planning
  • Investment Management
  • Business Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Women and their Families
  • Novice and Experienced Investors
  • Business Owners
  • Sudden Money Situations

Working Together

  • In-Person Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • Certified Financial Planner (CFP)
    Jennifer Macedo is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • XY Planning Network
    Jennifer Macedo is a Member of the XY Planning Network

    The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.

  • Kinder Institute
    Jennifer Macedo Has Received Training at the The Kinder Institute of Life Planning

    The Kinder Institute trains and coaches financial advisors worldwide in a method we call financial Life Planning. This method is based on the premise that advisors should first discover a client’s most essential goals in life before formulating a financial plan, so a client’s finances fully support those goals.

Contact Jennifer Macedo

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Office Locations:

  • 129 Pualei Drive
    Lahaina, HI 96761

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