Jennifer Napper, CDFA®, CFP®

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CALIFORNIA: San Francisco County, Alameda County, Conta Costa County


Jennifer Napper, CFP®, CDFA®, is a Certified Divorce Financial Analyst® who for more than 16 years has guided individuals through each stage of the divorce process and boldly into their new tomorrows.

Divorce is complicated—legally, financially and especially emotionally—and its day-to-day demands and decisions have potentially far-reaching effects. This is why we take a methodical approach to divorce financial planning, starting with an inventory of your assets and responsibilities and clearly outlining your important long-term goals, including retirement. From that foundation, and our depth of knowledge and experience in wealth planning, investing and financial assets, we can help you focus on the issues that most impact your big picture. Today and tomorrow.


Your best interests are our priority throughout this life-changing event and into your next chapter.


  • Define goals
  • Inventory assets and liabilities, organize disclosures
  • Create budgets including child and spousal support
  • Explore long-term outcomes of various settlement options
  • Create analysis for complex financial assets including real estate buyouts, RSU/Stock Option divisions, pension divisions and separate property valuations
  • Divide settled assets in compliance with state law


  • Collaborate with mediator, attorney, accountant and other members of your support team
  • Develop creative yet pragmatic long-term financial strategies
  • Help develop proposals that inform negotiations
  • Provide a ready ear, understanding, and future-focused guidance


  • Comprehensive post-divorce protocol to assist in executing the settlement or complying with the decree
  • Craft long-term financial plan, tax mitigation and investment strategies
  • Guide you in pursuit of lasting financial well-being, including risk management, assigning beneficiaries, retitling assets, reallocating retirement assets, estate plan adjustments and other issues suited to your needs


Once the divorce concludes, you’ll be prepared—and empowered—to pursue financial goals and ambitions. We’re happy to remain by your side, partnering with you to shape your future and manage whatever else may come your way.

At Napper Wealth Planning, we aim to be your advocate, your strategist, your active listener and your go-to call if things start to feel overwhelming. We understand that your finances are much more than just numbers on a spreadsheet.

Through divorce and into life, we’ll be here for you. Let’s plan for what comes next.


As a CERTIFIED FINANCIAL PLANNER™ professional, Jennifer has attained one of the most respected financial planning credentials among consumers and the recognized standard of excellence in personal financial planning. As a Certified Divorce Financial Analyst®, (CDFA®), Jennifer specializes in financial issues specific to divorce.

Jennifer earned her bachelor’s degree from San Francisco State University and her M.B.A. from Golden Gate University. She is a member of the Institute for Divorce Financial Analysts, Collaborative Practice East Bay and Golden Gate, and a board member of Collaborative Divorce California. She has completed Mediation training through U.C. Berkeley Extension and Collaborative Divorce training through Collaborative Divorce California.


© 2022 Raymond James & Associates, Inc., member New York Stock Exchange/SIPC. 22-BR3CE-0268 BS 11/22


Certified Divorce Financial Analyst® and CDFA® are trademarks of the Institute for Divorce Financial Analysts™ in the U.S. and/or other countries. The designation of Certified Divorce Financial Analyst® is awarded by The Institute for Divorce Financial Analysts (IDFA) to individuals who successfully complete the training and test requirements set by IDFA. IDFA is the premier national organization dedicated to the certification, education and promotion of the use of financial professionals in the divorce arena. CDFA® holders are not attorneys and cannot give out legal advice.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional.


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Jennifer Napper

Posted 5 months ago

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  • Monday
    10:00 am - 06:00 pm
  • Tuesday
    10:00 am - 06:00 pm
  • Wednesday
    10:00 am - 06:00 pm
  • Thursday
    10:00 am - 06:00 pm
  • Friday
    10:00 am - 06:00 pm
  • Saturday Closed
  • Sunday Closed

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