Jennifer B. Harper


Over the years, I have been privileged to work with a wide variety of clients, from young people wanting a ‘smart start’, to multi-generational high net worth families. These experiences have shown me that financial planning can be very complex, but the process doesn’t have to be intimidating or overwhelming.

I began working in the financial services industry in 2000, earned an MBA from the University of Tennessee at Chattanooga in 2001, and became a CFP® professional in 2006.  In 2005, I began developing a financial education non-profit organization, Common Cents Financial Literacy, Inc. to help guide young people toward an independent and responsible financial future. Additionally, I served as an adjunct Finance instructor at the University of Tennessee at Chattanooga from 2014 - 2017. In February 2019, I earned the Enrolled Agent (EA) tax designation from the IRS.

While my professional life is solely focused on personal finance, I actually don’t believe it’s all about the money.  I believe that we need to be good stewards of the resources we have and we will be able to achieve more for ourselves and for others if we are thoughtful and well prepared for the future.

Having a solid financial plan is about giving you the peace of mind to enjoy all the things that are important to you.

I am dedicated to helping my clients connect their realities of today with their future goals.

Professional Affiliations:

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I am a CFP and proud of it.

CFP®’s are obligated to act in their client’s best interests. Period. Not everyone in the financial services industry is held to this standard.


  • An undergraduate degree

  • Three years of client experience in financial planning

  • Completed a financial planning education program including:

    • General Principals of Financial Planning

    • Insurance Planning

    • Investment Planning

    • Income Tax Planning

    • Retirement Planning

    • Estate Planning

    • Interpersonal Communication

    • Professional Conduct and Fiduciary Responsibility

  • Passed a rigorous comprehensive exam (historical pass rate of 55-60%

  • Completed a required 30 hours of continuing education hours bi-annually

  • Committed to adhering to the standards of ethics and practice outlined in the CFP Board’s Standards of Professional Conduct