Ferre Mekelenkamp
Ferre co-founded Wealth Informatics LLC, the publisher of Wealth Informatics. He oversees content review across the consumer-finance pillars — mortgage, banking, credit, debt, insurance, estate, side income, and advisors — and the editorial operations that keep figures current as legislation and rates shift.
What Ferre edits on the site.
Ferre takes the lead on the consumer-decision pillars — the topics where state-specific rules, regulator actions, and rate-feed timing matter most. Each page is anchored to the publishing federal agency and verified to the figure cited.
- Mortgage (Pillar 04). Mortgage products, refinance analysis, points strategy, PMI rules, conforming loan limits, state-specific lending differences. Anchored to HUD, FHFA, and Federal Reserve releases.
- Debt (Pillar 05). Federal student loans (SAVE → RAP transition), debt-payoff strategy, consolidation analysis, credit-card APR mechanics, hardship programs. Anchored to CFPB publications and U.S. Department of Education program rules.
- Banking (Pillar 06). HYSA yields, CD strategies, FDIC coverage rules, account-fee analysis, FedNow, fintech-vs-bank trade-offs. Anchored to FDIC and Federal Reserve data.
- Insurance (Pillar 07). Property insurance, ACA subsidies, Medicare mechanics, term-life sizing, disability income. Anchored to CMS, state insurance commissioner publications, and FEMA data.
- Estate (Pillar 08). Federal estate exemption, gift tax, inherited IRA rules (SECURE 2.0 + T.D. 10001), state estate taxes. Anchored to IRS Final Regulations.
- Side Income (Pillar 09). Self-employment tax, QBI deduction, 1099-K threshold rules, Solo 401(k) and SEP IRA mechanics. Anchored to IRS publications.
- Credit (Pillar 10). FICO 10T and VantageScore 4.0 mortgage adoption, credit-utilization mechanics, scoring model differences, dispute mechanics. Anchored to HUD, FHFA, and CFPB.
- Advisors (Pillar 13). Fiduciary vs suitability, fee structures (AUM, flat-fee, hourly, subscription), advisor verification via SEC IAPD and FINRA BrokerCheck. Anchored to SEC releases and CFP Board guidance.
Four standards Ferre applies before any page publishes.
Consumer-finance content has a uniquely bad-faith ecosystem online — affiliate-driven “best of” lists, manufactured rankings, undisclosed sponsorships dressed as analysis. The editorial standards below are the response.
Public verification of what we publish.
The credibility of consumer-finance content lives or dies on whether the reader can verify the figure for themselves. Every page on the site is structured so the reader can do exactly that:
- Source links work. Every cited figure has a working link to the publishing agency’s document. If a link breaks, send it to the Corrections inbox and it gets fixed.
- State rules called out. Where a rule differs by state, the state-specific exception is named explicitly rather than papered over with national-average framing.
- Corrections logged publicly. When we get something wrong, the corrections page shows what changed and when.
- No paid placements. No “best lender” rankings driven by who paid the most. No “recommended” cards that pay the highest commission. The math is the math, regardless of which product comes out ahead.
No fake titles.
Ferre does not currently hold a CPA, CFP®, CFA, NMLS, or JD license, and the site does not claim he does. Wealth Informatics relies on primary-source verification rather than credentialed-reviewer claims. If a future contributor holds a relevant professional credential, that credential will be displayed only after verification against the publishing body’s public registry (CFP Board, NMLS, state CPA board, etc.).
If you have a question about a page Ferre edited.
Editorial questions, corrections, source disputes, and clarification requests are welcome. The contact form is the canonical inbox — corrections include the page URL and the source you’re citing. We respond to most messages within 5 business days.
For press inquiries on deadline, mark “press” in the subject line and we’ll respond within 24 hours where we can.
Read the full editorial policy.
The standards above are summarized here. The full editorial policy document explains the source hierarchy, fact-checking process, update triggers, corrections process, and what’s out of scope.
Read the editorial policy →