CFP — Certified Financial Planner · 18 Years Experience
Jennifer Caldwell is a Certified Financial Planner (CFP) with 18 years of experience helping Americans navigate retirement, debt, and wealth-building decisions. Before joining MONEYlume, she spent 8 years as a senior financial advisor at Fidelity Investments in Boston and 4 years at Merrill Lynch advising high-net-worth clients on tax-efficient retirement strategies. Jennifer's work has been cited by Forbes, U.S. News & World Report, and Bankrate.
She holds a BA in Economics from the University of Michigan and maintains her CFP certification through the CFP Board (license verifiable at cfp.net). At MONEYlume, Jennifer covers 401(k) optimization, Roth conversions, Social Security timing, and debt payoff strategies. Her signature approach: translating complex IRS rules and Federal Reserve data into plain-English action plans that real Americans can execute this week — not someday.
Education: BA Economics, University of Michigan · CFP Certification, CFP Board
All content by Jennifer Caldwell, CFP is written according to MONEYlume's editorial standards. Facts are verified against primary sources including the IRS, Federal Reserve, CFPB, and peer-reviewed financial research. Articles are updated when regulations or market conditions change significantly.