Hi, I’m James Walker — Boston-based personal finance educator, CFP® candidate (currently working toward the certification exam), and the writer behind Finance Fernly.
Important upfront: I am NOT a registered investment advisor, NOT a Certified Financial Planner yet, and NOT a licensed tax professional. Everything on Finance Fernly is educational content based on what I’m researching during my CFP studies and from publicly available sources like the IRS, SEC, FDIC, CFPB, and the Federal Reserve. I am not qualified to give you personal investment advice — for that, you need to consult a properly licensed professional.
So why this site?
Because most “personal finance” content aimed at Americans falls into two buckets: confusing textbook jargon nobody understands, or YouTube-influencer “get rich quick” content that’s basically gambling advice in a suit.
I’m building Finance Fernly as the middle path — educational, transparent, math-heavy, and boring in the best way.
What you’ll find here:
- Budgeting basics — practical frameworks you can use on a $40K, $60K, or $100K salary
- Educational explainers — what a Roth IRA actually is, how 401(k) matching works, what the standard deduction does to your real tax bill
- Honest comparisons — high-yield savings vs. CDs vs. index funds with actual numbers, not vague “X is better”
- Source citations on everything — when I quote an interest rate, tax rule, or financial product detail, I link to the official IRS / SEC / FDIC / Federal Reserve source
What you will NOT find here:
- “Best stocks to buy this week”
- “Guaranteed 20% returns” claims
- Crypto, forex, or day-trading advice
- Specific buy/sell recommendations for any financial product
If you want to push back on something I wrote, or share what’s been confusing you about money, write to me at [email protected].
— James
About Financefernly
FinanceFernly.com is an educational personal finance blog for US readers — budgeting, saving, basic investing, credit management, and tax basics. Always cite official sources (IRS, SEC, FDIC, CFPB).
We publish 3–4 long-form posts a week, all original. Every post is researched, written, and edited by James Walker personally — no AI-generated content, no spun articles, no recycled posts from other blogs.
Editorial Standards
- Original content only — every article is written from scratch
- Original or properly-licensed images — screenshots, photos, and graphics are either created by us or sourced under a commercial-use license
- Tested before published — for any product, tool, or method we recommend, we use or thoroughly research it first
- Sources cited — statistics and factual claims link to the original source
- Updated regularly — high-traffic posts are reviewed and updated when information changes
Where I’m Based
James Walker is based in Boston, Massachusetts, United States. We primarily write for readers in the United States, United Kingdom, and Canada — references to prices, brands, and regulations reflect those markets.
Contact
The fastest way to reach me is by email at [email protected]. I aim to reply to reader emails within 48 hours.
For all other inquiries (advertising, collaborations, press), please use our Contact page.
Last updated: 2026-06-02