Our Expert Authors

JC

Jennifer Caldwell, CFP

CFP — Certified Financial Planner

Retirement & Investment Specialist

Fidelity · Merrill Lynch · 14 yrs exp

MT

Michael Torres, CFA

CFA — Chartered Financial Analyst

Investment Strategies Editor

Goldman Sachs · Charles Schwab · 12 yrs

RN

Robert Nguyen, CFA

CFA — Chartered Financial Analyst

ETF & Portfolio Strategy

Vanguard · BlackRock · 10 yrs exp

DW

David Williams, CFP

CFP — Certified Financial Planner

Retirement Planning Specialist

Vanguard · Fed. Reserve Atlanta · 18 yrs

RM

Rachel Martinez, CPA

CPA — Certified Public Accountant

Tax Strategy Lead

IRS Revenue Agent · KPMG · 11 yrs

SC

Sarah Chen, CFP, CPA

CFP + CPA — Dual Designation

Personal Finance Director

CFPB · JPMorgan · 13 yrs exp

MO

Michael Okafor, CPA, MBA

CPA + MBA

Business Tax Specialist

EY · IRS Chief Counsel · 12 yrs exp

KO

Kevin O'Bryan, CPA, LLM

CPA + LLM Taxation

Tax Litigation & Appeals

IRS Chief Counsel · EY · 14 yrs exp

JP

Jennifer Park, JD, CFP

JD + CFP — Attorney & Planner

Consumer Protection Lead

FTC · Sidley Austin · 12 yrs exp

MH

Margaret Holt, JD, CFP

JD + CFP — Consumer Law

Credit Rights & Debt Editor

CFPB · Consumer Reports · 13 yrs

HO

Helen O'Brien, JD, LLM

JD + LLM Taxation + CFP

Estate Planning Editor

Skadden · ACTEC Fellow · 16 yrs

AR

Anna Reynolds, CFP, EA

CFP + Enrolled Agent

Student Loans & Education Finance

US Dept. Education · Fundera · 10 yrs

MW

Marcus Webb, MBA

MBA — Mortgage Specialist

Mortgage & Home Buying Editor

Wells Fargo · Rocket Mortgage · 14 yrs

SK

Sarah Kimball, CFP

CFP — Certified Financial Planner

Mortgage Rate & Refi Analyst

Rocket Mortgage · Bankrate · 11 yrs

CH

Carol Hennessey, CFP, CCIM

CFP + CCIM — Real Estate

Real Estate Investment Analyst

JLL · Redfin · 14 yrs exp

DP

Daniel Park, CFP

CFP — Certified Financial Planner

Personal Finance & Budgeting

LendingTree · SmartAsset · 9 yrs

TG

Thomas Grant, MBA, CLU

MBA + CLU — Life Insurance

Insurance & Annuities Editor

MetLife · New York Life · 17 yrs

WF

William Foster, CFP, CLU

CFP + CLU — Life & Disability

Life Insurance Specialist

Northwestern Mutual · Principal · 15 yrs

AM

Andrew Morrison, MBA

MBA — P&C Insurance

Auto & Home Insurance Analyst

Travelers · Policygenius · 12 yrs

DS

Derek Santos, CFP, CLTC

CFP + CLTC — Long-Term Care

Medicare & Healthcare Benefits

SHIP · Fidelity · 13 yrs exp

DF

Diane Foster, CFP

CFP — Certified Financial Planner

Women's Finance & Investing

Ameriprise · WIFE Board · 14 yrs

PM

Patricia Monroe, CFP

CFP — Certified Financial Planner

Social Security & Retirement

SSA · Ameriprise · 16 yrs exp

GB

Gerald Brooks, CFP, RSSA

CFP + RSSA — Social Security

SSDI & Benefits Specialist

SSA Baltimore · NOSSCR · 15 yrs

SL

Sandra Lee, MBA

MBA — Rewards & Credit Cards

Travel Rewards & Cards Editor

Amex · Capital One · 10 yrs exp

CH

Christopher Hayes, CFA

CFA — Chartered Financial Analyst

ETF & Index Fund Analyst

Vanguard · Morningstar · 11 yrs

RM

Ryan McAllister, CFA, MBA

CFA + MBA

Robo-Advisors & Fintech Editor

Fidelity · Betterment · 10 yrs exp

JW

James Whitfield, CFA, PhD

CFA + PhD Finance

Behavioral Finance Researcher

BlackRock · Pew Research · 14 yrs

FW

Fiona Walsh, CFA, SASB

CFA + SASB FSA — ESG

ESG & Sustainable Investing

MSCI · US SIF · 10 yrs exp

NC

Natalie Chen, MBA

MBA — Travel & Rewards

Credit Card Rewards Specialist

Capital One · The Points Guy · 9 yrs

MJ

Marcus Johnson, MBA

Northwestern Medill Journalism

Travel Finance & Loyalty Programs

Amex · The Points Guy · 11 yrs

JA

Judith Armstrong, MBA

MBA + CBB — Business Banking

Small Business Financing Editor

BofA · TD Bank · SCORE · 17 yrs

EV

Elena Vasquez, CPA, MBA

CPA + MBA — Small Business

Self-Employment & Business Tax

Deloitte · SCORE · 12 yrs exp

BC

Benjamin Clark, CFA

CFA + Series 65 — Crypto/DeFi

Cryptocurrency & DeFi Analyst

Grayscale · Coinbase · 11 yrs exp

IP

Ivan Petrov, CFA, CMT

CFA + CMT + Series 7

Options & Derivatives Strategist

Citadel Securities · Interactive Brokers

KD

Kyle Davidson, CFP, PhD

CFP + PhD Economics

FIRE & Early Retirement Specialist

George Mason Univ. · ChooseFI · 9 yrs

OC

Olivia Chen, PhD

PhD Economics — Policy Research

Economic Research & Data Editor

Brookings Institution · 10 yrs exp

NK

Noah Klein, CPA, LLM, EA

CPA + LLM International Tax + EA

International Tax & Expat Finance

PwC · Expat Tax Partners · 13 yrs

LN

Lisa Nguyen, CFP, EA

CFP + Enrolled Agent — Expat

US Expat & FBAR Specialist

US State Dept. · Greenback Tax · 10 yrs

LW

Linda Washington, CFP, AFC

CFP + AFC — Military Finance

VA Loans & Military Benefits

U.S. Army Veteran · USAA · 14 yrs

PS

Priya Sharma, CFP, MBA

CFP + MBA — New Americans

Finance for Immigrants

Self Financial · UnidosUS · 11 yrs