# Naomi Schaefer, CFP® — Editorial Reviewer | MeridianWallet

> Naomi Schaefer is a CFP® and former Reuters consumer-finance reporter who leads editorial review at MeridianWallet with 18 years across personal finance journalism and planning.

Источник: https://nimblepayday.com/authors/naomi-schaefer/

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# Naomi Schaefer, CFP®

Editorial Reviewer at MeridianWallet. CFP® and former Reuters consumer-finance reporter — checks every money page and state hub for accuracy of cost, APR, and repayment claims.

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**Naomi Schaefer, CFP®** · CFP® certified

**On this page** Biography Credentials Areas of expertise Articles reviewed Conflicts of interest Contact

## Biography

Naomi Schaefer is the lead editorial reviewer at MeridianWallet, where he signs off on every money page, state hub, and research report before publication. He holds the Certified Financial Planner (CFP®) designation, earned an MBA from UCLA Anderson, and graduated with a Bachelor of Science in Finance from the University of Notre Dame.

Naomi spent the first decade of his career as a consumer-finance reporter at Reuters, covering credit-card pricing, mortgage policy, and the rise of online lending. His investigative work on tribal lending and rate-evasion structures was cited in two state-level enforcement actions and appeared in the Reuters Wealth section, Yahoo Finance syndication, and the AP wire.

In 2017 he completed the CFP certification and joined a fee-only Los Angeles planning firm serving households in the $75K-$250K income range — the same demographic that most often turns to small-dollar credit during income shocks. Over six years there he reviewed product disclosures for major consumer-media outlets as a paid subject-matter expert and testified twice at California state-assembly hearings on consumer-lending reform.

Naomi joined MeridianWallet in 2024 as Editorial Reviewer. His review focus is checking that every money page presents the alternatives ladder honestly, that no claim about cost or APR is overstated or understated, and that source citations are current and accessible.

## Credentials

**Certified Financial Planner (CFP®)**
CFP® professional · Active since 2017
**MBA**
UCLA Anderson School of Management · 2014
**BS Finance**
University of Notre Dame · 2006
**Years of experience**
12 years in personal-finance journalism plus 6 years in CFP® practice

## Areas of expertise

- **Consumer credit** — pricing, disclosure compliance, comparative APR analysis
- **Debt-to-income analysis** — borrower affordability and ability-to-repay frameworks
- **Small-dollar alternatives** — credit-union PALs, EWA, 0% promotional credit
- **Retirement planning** — 401(k) loan vs. payday loan tradeoffs, IRA hardship rules
- **Financial journalism** — source verification, plain-language explainers

## Articles reviewed by Naomi

Naomi signed off as reviewer on:

- [Payday Loans Online — Compare 23+ State-Licensed Lenders (2026)](/payday-loans/)
- [15 Payday Loan Alternatives Ranked by Cost](/other-options/)
- [Payday Loans in Texas: Laws, Rates, Limits & Alternatives](/state-guides/texas/)
- [What is a Payday Loan? Plain-English Explainer](/guides-center/what-is-a-payday-loan/)

## Conflict of interest disclosure

**Disclosure.** Author owns no securities in companies covered. Compensated by MeridianWallet salary; no per-loan referral incentives. Discloses any continuing fee-only planning relationships to the editorial board; recused from any review involving a client. No advisory relationships with lenders, lead generators, or debt-relief firms.

## Contact

For editorial review questions, contact editor@nimblepayday.com.

#### About our authors

Every MeridianWallet page is bylined by a credentialed author and signed off by a separate reviewer.

[See all 6 authors](/authors/)

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#### Editorial standards

[Read our editorial policy →](/editorial-policy/)

[Fact-checking process →](/fact-checking-policy/)

[Corrections log →](/corrections/)