All Authors

All Authors

Aaron Hodari, CFP®, CIMA®

Managing Director, Schechter

Abigail Havermann, Investment Adviser Representative

Partner, Havermann Financial

Adam Weinberg

University President, Denison University

Alfie Tounjian, CFP, Investment Adviser

Founder & President, Advantage Retirement Group

Ali Swofford, PhD, CLU, ChFC

Founding partner, Prosperity Partners Wealth Management

Alison Peck, CFA

President, Peck Wealth Management, LLC

Allen Neuenschwander, CPA, CFP

Founder & Principal, Outlook Wealth Advisors, LLC

Amber Kelly, Investment Adviser Representative

Director of Global Wealth Women, Global Wealth Management

Andre Korogodon

Registered Principal, Cantella & Co., Inc.

Andrea Browne Taylor

Online Editor,

Andrew Bass, CPA, CWM, PFS

Chief Wealth Officer, Telemus

Andrew Feinberg

Contributing Columnist, Kiplinger's Personal Finance

Andrew Fisher, CFA, CPA

President, Worldview Wealth Advisors

Andrew M. Costa

Managing Director and Co-Founder, Global Wealth Management

Andrew McNair, Investment Adviser

President, SWAN Capital

Andy Burdsall, Investment Adviser

President, Riverbend Financial Group

Andy Smith, CFP®

Senior Vice President, Financial Planning, Financial Engines

Angela Renee

Client Service Manager, Halbert Hargrove

Anjelica Tan

Reporter, Kiplinger's Personal Finance

Ann Vanderslice, RFC, Investment Adviser

President and CEO, Retirement Planning Strategies

Anne Kates Smith

Executive Editor, Kiplinger's Personal Finance

Anthony Pellegrino, Registered Investment Adviser

Founder, Goldstone Financial Group

Ari Fischman, CFP®

Principal, Fischman Insurance Group

Ari Rastegar

Contributing Writer,

Ash Toumayants, Investment Adviser Rep

President and Founder, Strong Tower Associates

Barbara Hoch Marcus

Managing Editor, Kiplinger's Personal Finance

Barbara Shapiro, EDM2, MSF, CFP, CFS, CMC, CDFA, CeFT

President, HMS Financial Group

Barbara Swiatek, Investment Adviser Representative

Founder, SF Financial

Barry H. Spencer, Registered Investment Adviser

Co-founder, Wealth With No Regrets

Ben Grosko, Investment Adviser Representative

Partner, Integrated Wealth Management Inc.

Ben Schrock, Investment Adviser Representative

President, B.A. Schrock Financial Group

Benjamin Cole

Contributing Writer,

Bill DeShurko, RIA

Registered Investment Advisor, 401 Advisor, LLC

Bill Smith, RFC

CEO, W.A. Smith Financial Group

Blake Morris, Certified Financial Planner

Partner, The Lloyd Group Inc.

Bo Hanson, CFA, CFP

Principal, Abound Wealth

Bob Fugate, CFP

Founder, Blue Ridge Wealth Planners

Bob Niedt

Online Editor,

Brad Moon

Contributing Writer,

Brad Rosley, CFP

President, Fortune Financial Group (FFG)

Bradford M. Pine

Wealth Adviser, Bradford Pine Wealth Group

Bradley White, CFP™, IAR

Vice President, Epstein and White Retirement Income Solutions

Brendan Pedersen

Staff Writer, Kiplinger's Personal Finance

Brent Ford, Investment Adviser Representative

Partner, Benefit Wealth Partners

Brent M. Wilsey, Registered Investment Adviser

President, Wilsey Asset Management

Brian Bollinger

Contributing Writer,

Brian Evans, CPA, PFS

Owner, Madrona Financial Services

Brian G. Madgett, CLU®, ChFC®

Head of Consumer Education, New York Life

Brian Hengesbaugh, Esq.

Partner, Baker & McKenzie LLP

Brian Levy, Investment Adviser

Founder, BML Wealth Management

Brian Preston, CPA, CFP, PFS

Managing Principal, Abound Wealth & The Money Guy Show

Brian Skrobonja, Investment Adviser Representative

Founder & President, Skrobonja Financial Group LLC

Brian Vnak, CFP, CPA

Vice President, Integrated Advice, Wealth Enhancement Group

Bruce S. Udell, ChFC, CLU, MCEP

President, Udell Associates

Bruce Willey, JD, CPA

Founder, American Tax & Business Planning

Bryan Courchesne

Managing Director, Digital Asset Investment Management

Bryan Koslow, MBA, CFP®, CPA, PFS, CDFA™

Founder & President, Clarus Financial Inc.

Bryan S. Slovon, Investment Adviser

Founder and CEO, Stuart Financial Group

Bud Boland, CFP®

Wealth Adviser, Brightworth LLC

Byron R. Moore, Managing Director, Planning Group

Certified Financial Planner, Argent Financial Group

C. Grant Conness

Investment Adviser Representative, Global Wealth Management

Caleb Harty, CFP®

Founder and Principal, Harty Financial

Cameron Huddleston

Former Online Editor,

Carl Zeidler, CFP, MSFS

Director of Financial Planning, Wall Street Financial Group, Inc.

Carlos Dias Jr., Wealth Adviser

Founder and President, Dias Wealth LLC

Carlton W. Murrey, Investment Adviser

Wealth Management Adviser, J. Biance Financial

Carolyn Bigda

Contributing Writer, Kiplinger's Personal Finance

Casey B. Weade, CFP®

President, Howard Bailey Financial Inc.

Casey Robinson, CFP

Managing Director - Wealth Planning, Waldron Private Wealth

Catherine Siskos

Managing Editor, Kiplinger's Retirement Report

Chad Chubb, CFP®

Founder, WealthKeel LLC

Chad Ensign, Investment Adviser Representative

Founder, Ensign Wealth Management

Chad Slagle

President, Slagle Financial LLC

Chana Schoenberger

Charles Benway, CPA, CFP

President, Main Street Financial LLC

Charles C. Scott, AIF®

President, Pelleton Capital Management, Ltd.

Charles Dzama, Investment Adviser Representative

Founder, CD Financial

Charles Lewis Sizemore, CFA

Chief Investment Officer, Sizemore Capital Management

Charles Lewis Sizemore, CFA

Contributing Writer,

Charles Ragonese, Investment Adviser Representative

Founder and President, Mountain Peak Financial Inc.

Charles Rawl, CFP®, RICP®

President, Charles W. Rawl & Associates

Charles W. Sawyer Jr., Managing Partner, Senior Wealth Adviser

CEP® , RFC®, Sawyer Wealth Management

Charlie Jordan, CPA, CFP

Partner & Wealth Adviser, Brightworth

Chase Mouchet, CFP®, CIMA®

Wealth Adviser, Brightworth

Chay Stewart, Financial Adviser

President, Stewart Planning Group

Chris Abts, Investment Adviser Representative

President, Cornerstone

Chris Chen, CFP®

Founder, Insight Financial Strategists LLC

Chris Creed, CFP®

Senior Lead Adviser, Venturi Wealth Management

Chris Gullotti, CFP®

Financial Adviser, Partner, Canby Financial Advisors

Chris Harlow, CPA, Investment Adviser Representative

Vice President, NW Tax & Wealth Advisory Group, Inc.

Chris Heerlein, Investment Adviser Representative

Partner, Reap Financial Group, LLC

Chris Hobart, RFC, IAR

Founder, Hobart Financial Group

Chris Kelly, CPA, CFP

Financial Adviser & Portfolio Manager, Baltimore-Washington Financial Advisors

Christian Ruhl


Christopher A. Murray, Investment Adviser

President, Murray Financial Group

Christopher C. Giambrone, CFP®, AIF®

Co-founder, CoughlinGiambrone, LLC

Christopher Scalese

President, Fortune Financial Group

Christy Smith, Investment Adviser

Founder, Presley Wealth Management LLC

Chuck Cavanaugh

Head of Wealth Planning, Citi Personal Wealth Management

Cody Meeks, Vice President

Investment Adviser Representative, Financial Integrity

Con Reha

President, Liberty Advisers

contributors to's Wealth Creation channel

Cory Lagerstrom, Investment Adviser Rep

Principal, ChangePath

Coryanne Hicks

Contributing Writer,

Craig Hammer, Broker, Investment Adviser

Partner, Prosperity Partners Wealth Management

Craig Hawley

Head of Nationwide's Annuity Distribution, Nationwide

Craig Kirsner, Investment Adviser Representative

President, Stuart Estate Planning Wealth Advisors

Craig Slayen

Principal, Cypress Partners

Curt D. Knotick, Financial Adviser

Managing Partner, Accurate Solutions Group LLC

Curvin E. Miller IV

Vice President, Russell & Company Total Wealth Management

Dan Burrows

Contributing Writer,

Dan Flanagan, CPA/PFS, CFP®, AEP®

Financial Adviser, Partner, Canby Financial Advisors, LLC

Dan Webster, Registered Financial Consultant

Co-Founder, Fusion Capital

Dana Blankenhorn

Contributing Writer,

Dana McLaughlin, CFP®, C(k)P®

Senior Wealth Advisor, Beirne Wealth Consulting Services, LLC

Dandan Zou

Reporter, Kiplinger's Personal Finance

Daniel A. Timins, Esq., CFP®

Owner, Law Offices of Daniel Timins

Daniel Fan, J.D., LL.M., CFP

Director of Wealth Planning, First Foundation Advisors

Daniel Rey, Investment Adviser Representative

Founder, Voyage Retirement Solutions

Daniel Shub, RFC

Founder, OCTO Capital and Shub & Company

Daniel Zajac, CFP

Partner, SimoneZajac Wealth Management

Daren Fonda

Senior Associate Editor, Kiplinger's Personal Finance

Dave Parks, CFP®

Executive Chairman, Keel Point

David A Littell, JD, ChFC

Professor of Taxation, The American College of Financial Services

David Afraimi, IAR

Principal, BAM Advisory Group

David Blackston, CEP®, RFC®, CSA®

Founder, Blackston Financial Advisory Group

David Braun, Investment Adviser Representative

President, David Braun Financial & Insurance Services Inc.

David E. Redding, CTFA, AEP

Market President, Argent Trust Company

David Faulkner, CFP®

Partner, Spectrum Advisors

David Flores Wilson, CFP®, CFA

Senior Wealth Manager, Planning to Wealth

David H. Barton, CEO

President & CEO, Mercer Advisors

David Hickey, CPCU

Managing Director, Your Own Retirement

David Kanani, Investment Adviser Representative

President, Kanani Advisory Group

David Milstead

Contributing Writer

David Morris

Deputy Managing Editor, The Kiplinger Letter

David Muhlbaum

Senior Online Editor,

David Nicholas, Investment Adviser Representative

President, Founder, Nicholas Wealth Management

David Olsen, Investment Adviser Representative

Vice President, Global Wealth Management

David Payne

Staff Economist, The Kiplinger Letter

David Stolz, CPA/PFS, CFP®

CEO, Stolz and Associates, PS

David Stone

Founder and CEO, RetireOne

David Stryzewski, Registered Investment Adviser

Founder, CEO, Sound Planning Group

David Terrell, Investment Adviser

VP, Region Manager, U.S. Bancorp Investments

Deborah D. Gordon

Book author, Consuming Health

Deborah L. Meyer, CPA/PFS, CFP®

CEO, WorthyNest LLC

Dennis D. Coughlin, CFP, AIF

Partner, CoughlinGiambrone, LLC

Dennis Ho, FSA, CFA®

Co-Founder and CEO, Saturday Insurance

Denver Nowicz, IAR

President, Wealth For Life

Derek Gregoire

CEO, SHP Financial

Derek Overstreet, Investment Adviser

Owner, New Millennium Group

Dina Siracusa, Investment Adviser Representative

Vice President, Provident Wealth Advisors

Don Ross, RFC

President and Founder, Ross Wealth Advisors

Donald B. Bergis, Investment Adviser

Founder and President, Regent Wealth Management

Doug Kinsey CFP®, CIMA®, AIFA®

Partner, Artifex Financial Group

Douglas Freeman, J.D., LL.M.

Founder, Freeman, Freeman & Smiley, LLP

Douglas Harbrecht

New Media Director,

Drew Blackston, RFC, CRC

Investment Adviser Representative, Blackston Financial Advisory Group

Drew Jones, Registered Financial Consultant

Registered Financial Consultant, The Lloyd Group Inc.

Ed Maixner

Editor, The Kiplinger Agriculture Letter

Eduard Hamamjian, AAMS

Managing Director, Investment Advisor, GeaSphere Advisors LLC

Edward Stavetski

Contributing Writer,

Eileen Ambrose

Senior Editor, Kiplinger's Personal Finance

Eleanor Laise

Senior Editor, Kiplinger's Retirement Report

Elizabeth Leary

Contributing Editor, Kiplinger's Personal Finance

Elizabeth Wine

Contributing Writer, Kiplinger's Personal Finance

Ellen Chang

Contributing Writer,

Emma Patch

Staff Writer, Kiplinger's Personal Finance

Ephie Coumanakos

Managing Partner, Concord Financial Group

Eric Dostal, J.D. CFP®

Adviser, Sontag Advisory

Eric Ervin, Investment Adviser Representative

Co-Founder, President, CEO, Reality Shares Inc.

Eric Fritts, Chartered Financial Consultant CHFC®

Owner, Elevated Wealth Management

Eric Mattinson, RFC

Investment Adviser Representative, Semmax Financial Group Inc.

Eric Peterson, Registered Financial Consultant

Founder, CEO, Peterson Financial Group

Eric Roberge, Certified Financial Planner (CFP) and Investment Adviser

Founder, Beyond Your Hammock

Eric Springer, Investment Adviser

President, Brookstone Investments

Erin Savage-Weaver, CFP®

Certified Financial Planner™ Professional, Kehoe Financial Advisors

Erin Wood, CFP®, CRPC®

Vice President, Wealth Planning, Carson Group

Ethan Lane, Investment Adviser Representative

Associate Adviser, ASG Investment Management, LLC

Evan T. Beach, CFP®, AWMA®

Wealth Manager, Campbell Wealth Management

Foster Friedman, J.D.

Partner, Wade, Grimes, Friedman, Meinken & Leischner, PLLC

Gary Mastrodonato, Investment Adviser Representative

Founder, CEO, Masters Wealth Management Group

Gary Ran, Investment Adviser

Chairman, Telemus

George Terlizzi, Investment Adviser

CEO, SouthPark Capital

Gerry Dougherty, Investment Adviser

Founder & President, Boston Independence Group Inc.

Glen Smith, CFP®, CRPC®

Managing Partner, Glen D. Smith & Associates

Grant Rawdin, J.D., CFP®

Founder and CEO, Wescott Financial Advisory Group LLC

Grant Wasylik

Contributing Writer,

Greg Blotnick, CFA

Investment Consultant, CFA Institute

Greg O'Donnell, Investment Adviser

Founder, O'Donnell Financial Group

Gregory Oray, Investment Adviser, MSF

CEO, Oray King Wealth Advisors

Gregory Ricks, Investment Adviser Representative

Founder and CEO, Gregory Ricks & Associates

H. Dennis Beaver, Esq.

Attorney at Law, Author of "You and the Law"

Harold Evensky, CFP®

Chairman, Evensky & Katz

Harriet Lefton

Contributing Writer,

Ian Maxwell, Financial Adviser

Founder & CEO, Reviresco Wealth Advisory

Igor Greenwald

Contributing Writer

Isaac Wright, ChFC

President, Financial Dynamics & Associates

J. Bryan Philpott, Investment Adviser Representative

Founder, Aspire Private Capital

Jaime Eckels, CFP

Relationship Manager, Plante Moran Financial Advisors

James Brumley


James Brumley

Contributing Writer,

James D. Harrington, assistant professor, CFA

Senior Investment Adviser, Bluesphere Investment Advisors

James D. Maher CEPA®, CRPC®, CRPS®, AIF®, C(k)P®

Chief Executive Officer, Founder, Archford Capital Strategies

James K. Glassman

Contributing Columnist, Kiplinger's Personal Finance

James M. Sanford

Founder & Portfolio Manager, Sag Harbor Advisors

Jamie Letcher, CRPC

Financial Adviser, CUNA Brokerage Services

Jamie P. Hopkins, Esq., CFP, RICP

Director of Retirement Research, Carson Wealth

Jammie Avila, Registered Representative

Managing Partner/Co-Founder, Cornerstone Wealth Management

Jan Blakeley Holman, CFP

Director of Advisor Education, Thornburg Investment Management

Jane Bennett Clark

Senior Editor, Kiplinger's Personal Finance

Janet Bodnar

Editor-at-Large, Kiplinger's Personal Finance

Janet Pack, Investment Adviser Representative

President, Senior Retirement Advisors

Janie Kelly, RICP

Managing Partner, Jalbert Kelly Financial Group

Janine Puhak


Jared M. Elson, Investment Adviser

Managing Partner, Regent Wealth Management

Jared Snider, J.D., Investment Adviser

Senior Wealth Advisor, Exencial Wealth Advisors

Jason F. Cryderman, Investment Adviser Representative

President, Great Lakes Investment Advisors, Inc.

Jason Lambert, Investment Adviser Representative

President, CEO, Northwest Financial & Tax Solutions

Jason Mengel, CFP

Co-Founder, Fusion Capital

Jason R. Cross, CFP®, CTFA

Wealth Adviser, Brightworth LLC

Jay Tyner, RFC

President and Founder, Semmax Financial Group Inc.

Jeff Beyer, Investment Adviser Representative

CEO, Paladin Retirement Advisors

Jeff Bush, CLU, ChFC

President, Informed Family Financial Services

Jeff Dixson, Investment Adviser

Founder, President and CEO, Northwest Financial and Tax Solutions

Jeff Knoedl, RFC®, IAR

President, Knoedl Retirement Advisors

Jeff Mitchell, Investment Adviser Representative

CEO, Monolith Financial Group

Jeff Vogan, RFC, CEP

President, Premiere Retirement and Wealth Management

Jeffrey D. Montgomery, Investment Adviser Representative

Founder and President, Montgomery Financial Services

Jeffrey Levine, CPA

CEO and Director of Financial Planning, BluePrint Wealth Alliance

Jeffrey M. Verdon, Esq.

Managing Partner, Jeffrey M. Verdon Law Group, LLP

Jeffrey R. Kosnett

Senior Editor, Kiplinger's Personal Finance

Jennifer Liberto

Contributing Writer

Jeremy J. Siegel

Contributing Columnist, Kiplinger's Personal Finance

Jeremy Mellberg, Investment Adviser Representative

Founder, Ocotillo Wealth Management

Jerome Idaszak

Contributing Editor, The Kiplinger Letter

Jerry Golden, Investment Adviser Representative

President, Golden Retirement Advisors Inc.

Jessica L. Anderson

Associate Editor, Kiplinger's Personal Finance

Jim Betzig, CIMA®

Partner, CEO, Beirne Wealth Consulting, LLC

Jim Blankenship, CFP, EA

President, Blankenship Financial Planning

Jim Martin, Registered Financial Consultant

President and Founder, Martin Wealth Solutions

Jim Patterson

Managing Editor, The Kiplinger Letter

Joe Berry, Investment Adviser

Representative, Semmax Financial Group

Joe Bert, CFP®, AIF®

Chairman and CEO, Certified Financial Group, Inc.

Joe Vietri, Charles Schwab

Branch Network Leader, Charles Schwab

Joel Hardin, APMA®, NSSA®

Senior Partner, City Center Financial LLC

Joelle Spear, CFP®

Financial Adviser, Partner, Canby Financial Advisors

John Barringer, CFP, RIA

Managing Partner, Executive Wealth Planning Partners

John Bratschi, Investment Adviser Representative

CEO, Prio Wealth

John Buckingham

Chief Investment Officer, AFAM Capital

John Convery, Investment Adviser

President and founder, The Educated Wealth Center

John Creekmur, CFP

Co-Founder, Creekmur Wealth Advisors

John Culpepper, Financial Adviser

Senior Partner and Founder, Creative Financial Group

John F. Wasik

Contributing Writer, Kiplinger's Personal Finance

John M. Goralka

Founder, The Goralka Law Firm

John Miley

Senior Associate Editor, The Kiplinger Letter

John Riley, AIF

Chief Strategist, Cornerstone Investment Services

John Thomas, Investment Adviser Representative

Chief Investment Officer, Global Wealth Management

John Waggoner

Contributing Writer,

Jonathan I. Shenkman

Associate Director - Investments, Oppenheimer & Co. Inc.

Jonathan Imber, Investment Adviser and Registered Financial Consultant (RFC®)

Vice President, Imber Wealth Advisors Inc.

Joseph C. Conroy, CFP

Financial Adviser, Harford Retirement Planners

Joseph Donti, RIA

Founder, Priority Wealth Advisors Inc.

Joseph Lisanti

Contributing Writer, Kiplinger's Retirement Report

Joseph R. Wilson III, Investment Adviser Representative

Co-Founder, Olson & Wilson Private Capital

Joseph Tedino

Contributing Writer, Kiplinger's Personal Finance

Josh Bretl, CPA

Senior Adviser, FSR Certified Public Accountants

Josh Leonard, Investment Adviser

Partner, Leonard Advisory Group

Josh Levine, CFP

Partner, Telemus

Josh Monroe, CFP®, ChFC

Financial Planner, Brightworth

Josh Sailar, CFP®, CPFA

Investment Adviser, Miracle Mile Advisors

Joshua M. Blaker, RFC, Investment Adviser

Founder and President, Accrue Wealth Designs

Joy Taylor

Editor, The Kiplinger Tax Letter

Judy Gordon, JD, Tax LLM

Estate Planning Advisor, B|O|S

Julia Pham, CFP®, AIF®

Wealth Adviser, Halbert Hargrove

Justin Biance, Certified Estate Planner

Principal, J. Biance Financial

Justin Brimmer, CFP®, CAP®

Wealth Planner, Miracle Mile Advisors

Justin Fort, CFP, MSFS

President, Fort Wealth Management

Justin Goodbread, CFP, CEPA

Founder & CEO, Financially Simple

Justin J. Kumar, Investment Adviser Representative

Senior Portfolio Manager, Arlington Capital Management

Justin Sullivan, CFP

Vice President, Investment Market Direct, PNC

Kaitlin Pitsker

Associate Editor, Kiplinger's Personal Finance

Karen Cady, Tax Compliance

Partner, Plante Moran

Karen Carr, CFP®

, Society of Grownups

Karlin Conklin

Executive Vice President, Investors Management Group

Katherine W. Dean, CFP, CIMA

Head of Family Dynamics, Wells Fargo Private Bank

Kathleen Nolan, Investment Adviser

President & Owner, Family Focus Financial Group

Kathy Kristof

Contributing Editor, Kiplinger's Personal Finance

Keith Ellis, Investment Adviser

Co-Founder, SHP Financial

Keith Gebert, Chartered Retirement Planning Counselor

CEO, RightBridge Financial Group

Keith H. Clark Jr.

Managing Partner, DWC - The 401k Experts

Keith Singer, CFP, Attorney

President, Singer Wealth Management

Kelli Kiemle, AIF®

Director of Marketing and Client Experience, Halbert Hargrove

Kelly J. Carter

CEO, Beacon Retirement Planning Group

Kelly LaVigne, J.D.

Vice President, Advanced Markets, Allianz Life

Ken Berman

Contributing Writer,

Ken Heise, Investor Adviser Representative

Founder and Financial Adviser, Heise Advisory Group

Ken Moraif, CFP®

CEO and Senior Adviser, Retirement Planners of America

Ken Nuss

CEO / Founder, AnnuityAdvantage

Kevin Barlow, CFA®

Managing Director, Miracle Mile Advisors

Kevin Kaplan, RIA

Partner, Silicon Hills Wealth Management

Kevin M. Monroe, Investment Adviser Representative

Vice President | Financial Adviser, CAPTRUST

Kevin Mahoney, CFP®

Founder & CEO, Illumint

Kevin McCormally

Chief Content Officer, Kiplinger Washington Editors

Kevin Peacock, CFP®, CAIA®

Managing Member, Astra Capital Management

Kevin Richards, RFC, Investment Adviser

Founder, KNR Consulting and Wealth Management, Inc.

Kevin Webb, CFP

Financial Adviser, Kehoe Financial Advisors

Kimberly Lankford

Contributing Editor, Kiplinger's Personal Finance

Kirk Cassidy, Investment Adviser

President, Senior Planning Advisors

Knight Kiplinger

Editor Emeritus, Kiplinger publications

Kristian L. Finfrock, Investment Adviser

Founder, Retirement Income Strategies

Kurt Fillmore, Investment Adviser

Founder and President, Wealth Trac Financial

Kurt Supe, CPA

Senior Partner, Creative Financial Group

Kyle Woodley

Senior Investing Editor,

Lara Fishbane


Lars Larsen, Investment Adviser Representative

President, Heritage Financial North

Laura A. Roser

Founder and CEO, Paragon Road

Laura Gaskill

Houzz Contributor, Houzz

Lawson Bader

President, CEO, DonorsTrust

Les Goldstein, Investment Adviser

Founder and President, Personal Financial Strategies Inc.

Levi Huncovsky, Investment Adviser Representative

Owner, L&L Advisors

Liisa Rajala

Researcher-Reporter, the Kiplinger letters

Linda Gardner, Independent Investment Adviser Representative

Co-Founder, Blue Heron Capital LLC

Lisa Brown, CFP®

Partner and Wealth Advisor, Brightworth

Lisa Elaine Babb

Reporter, The Kiplinger Letter

Lisa Gerstner

Contributing Editor, Kiplinger's Personal Finance

Lisa Kiplinger

Managing Editor, Wealth Creation channel,

Lisa Springer

Contributing Writer,

Lorraine Ell, CEO

Investment Adviser Representative, Better Money Decisions

Maddie Parker, CFP®

Partner, Parker Financial Group

Marc A. Wojno

Contributing Writer, Kiplinger's Personal Finance

Marc Kiner, Certified Public Accountant (CPA); National Social Security Advisor

Partner, Premier Social Security Consulting

Marcy Keckler, CFP, CRPC

Vice President, Financial Advice Strategy, Ameriprise Financial

Marguerita M. Cheng, CFP®

CEO, Blue Ocean Global Wealth

Marianna Shafir, Esq.

Corporate Counsel and Regulatory Advisor, Smarsh

Mark A. Lloyd, RFC, CEP, Investment Adviser Representative

Ownder, The Lloyd Group, Inc.

Mark Arola, Investment Adviser Representative

Principal, Arola Associates Financial & Insurance Agency

Mark B. Fricks, RFC, ChFEBC

Founder, CEO, MasterPlan Retirement Consultants

Mark Cortazzo, CFP®, CIMA®

Senior Partner, MACRO Consulting Group

Mark Fried, Investment Adviser Representative

President, TFG Wealth Management

Mark Pruitt, Investment Adviser Representative

President and CEO, Strategic Estate Planning Services, Inc.

Mark S. Anglin, IAR, NSSA

Financial Adviser, Bales Financial Group

Mark Sfiligoj

Deputy Managing Editor, the Kiplinger letters

Mark Solheim

Editor, Kiplinger's Personal Finance

Martin J. Hagan, J.D.

Partner, Private Clients Group, Meyer, Unkovic & Scott

Marvin Mitchell, Investment Adviser Representative

Founder, Compass Retirement Solutions, LLC

Mary Clare Fischer

Contributing Writer, Kiplinger's Personal Finance

Mary Kane

Associate Editor, Kiplinger's Retirement Report

Matt Dicken, Investment Adviser

Founder and CEO, Strategic Wealth Designers

Matt Hausman, Registered Investment Adviser

Founder and President, Old Security Trust Corp. and Old Security Group

Matt Hylland, RIA, Financial Planner

Founder, Hylland Capital Management, LLC

Matthew C. Peck, CFP®, Certified Investment Management Analyst

Co-Founder, SHP Financial

Matthew del Junco, Investment Adviser Representative

Partner, Liberty Group, LLC

Matthew Helfrich, CFP

Partner and President, Waldron Private Wealth

Matthew Housiaux

Reporter, The Kiplinger Letter

Matthew Schuller, IAR

President and founder, BrightPath Wealth Management

Matthew Stratman

Financial Adviser, Western International Securities

Max Hechtman, Investment Adviser Representative

Partner and President, Max Wealth & Insurance Solutions

Maya Sasson

Contributing Writer,

McKenzie Richmond


Meg Bartelt, MSFP, CFP®

President, Flow Financial Planning, LLC

Megan Clark, Investment Adviser Representative

CEO & Executive Wealth Manager, Clark & Associates Inc. Financial Solutions

Meilan Solly


Melissa Attanasio, CFP®, CDFA®, MAFF®

Founder and CEO, Abundant Wealth Strategies

Melissa S. Bristow

Managing Editor, the Kiplinger letters

Michael Aloi, CFP®

CFP®, Summit Financial, LLC

Michael Andersen, Investment Adviser

Founder and President, Andersen Wealth Management

Michael Brush

Contributing Writer,

Michael DeSenne

Executive Editor,

Michael Finke, Ph.D.

Chief Academic Officer, The American College of Financial Services

Michael Foster

Contributing Writer,

Michael Fritts, Investment Representative

Investment Adviser Representative, Fritts Financial

MIchael Jankowski, Investment Adviser Representative

President and CEO, Wealth Planning Network

Michael K. Macke, CFP

Vice president and co-owner, Petros Estate & Retirement Planning

Michael Kahn

Contributing Writer,

Michael Krumholz, Investment Adviser

President, CFG

Michael Ladin, Investment Adviser Respresentative

Founder, CEO, Ladin Tax & Financial Group

Michael LaMarche, Investment Adviser

Founder, LaMarche & Associates Financial Planning

Michael Martin, Investment Adviser Representative

Co-Founder, Legacy Financial Partners

Michael Miller, CFP®

Founder, Miller Premier Investment Planning LLC

Michael Neuenschwander, CFP, CPA

Partner, Outlook Wealth Advisors LLC

Michael R. Panico, CFP®

Founder and CEO, Arcadia Financial Group LLC

Michael Reese, CFP®

Founder and Principal, Centennial Advisors LLC

Michael Rose, CFP®

President, Forthright Investments, LLC

Michael S. Farrell

Managing Director, SEI Private Wealth Management

Michael Stein

Assistant Vice President, Allsup

Michael Tove, CEP, RFC

President, AIN Services

Michael Woloshin, Investment Adviser Representative

Founder and managing director, Woloshin Investment Management

Michael Yoder, CFP®, CRPS®

Principal, Yoder Wealth Management

Michelle Brownstein, CFP®

Senior Vice President, Personal Capital

Mike 'Cy' Cajthaml Jr.

Vice President, Cy Financial Wealth Management

Mike 'Cy' Cajthaml Sr., CFP, ChFC, CLU

Investment Adviser Representative, RSG Investments

Mike DeWitt, CFA

Partner and Wealth Adviser, Brightworth

Mike Haffling, Investment Adviser Representative

President and Founder, Verus Capital Management

Mike Palmer, CFP

Managing Principal, Ark Royal Wealth Management

Mike Piershale, ChFC

President, Piershale Financial Group

Miles Kruppa

Intern, Kiplinger's Personal Finance

Miriam Cross

Associate Editor, Kiplinger's Personal Finance

Morey Stettner

Contributing Writer,

Nancy Coutu, Investment Adviser Representative

Principal, Money Managers Financial Group

Nancy Fleming, CFP®, Investment Adviser

President, Fleming Financial Services

Nathan J. Gendelman, MBA, ACAS

President and Director of Investments, The Family Firm, Inc.

Nathan Tiarks, Accredited Investment Fiduciary

Owner, Tiarks, Becker & Hackett

Neale Godfrey, Financial Literacy Expert

President & CEO, Children's Financial Network Inc.

Nellie S. Huang

Senior Associate Editor, Kiplinger's Personal Finance

Nick Giacoumakis, IAR, CEPA, CVGA

President and Founder, New England Investment & Retirement Group Inc.

Nicole Duran

Senior Editor, The Kiplinger Letter

Nicole R. Hart, JD

Director, Trusts and Estates, Sontag Advisory, LLC

Nino Pavan, Investment Adviser, CFP

President, Financial Designs

Oliver Pursche, Investment Adviser Representative

CEO, Bruderman Asset Management

Pam Krueger

Founder, Wealthramp

Pat Mertz Esswein

Associate Editor, Kiplinger's Personal Finance

Patrick Ayers, Investment Adviser

President, Ayers Financial Services

Patrick B. Healey, CFP® MBA

Founder & President, Caliber Financial Partners

Patrick Sanders

Contributing Writer,

Paul E. Roberts Jr.

Founder and Chief Investment Officer, Roberts Wealth Management

Paul Sundin, CPA

Partner, Sundin & Fish, PLC

Paul V. Sydlansky, CFP

Founder, Lake Road Advisors, LLC

Paula F. Osenni, CFP

Founder, Act2Transitions

Pete A. Lang, Investment Adviser Representative

President, Lang Capital

Pete Woodring, RIA

Founding Partner, Cypress Partners

Peter Blank

Editor, The Kiplinger Tax Letter

Peter Phelan

Contributing Writer

Peter V. Disch, CFP®

Founder & Managing Member, Great Point Wealth Advisors

Phil Simonides, CFP®

Senior Vice President, McAdam Financial

Phil Wright, Registered Principal, Certified Fund Specialist

Vice President of Marketing Communications, Jackson National Life

Philip Detlefs, Investment Adviser Representative

Investment Adviser Representative, Investment Management Group

Philip Gordley, Investment Adviser

President and Founder, Core Financial

Philip Hawken

Business Development Manager,

Philip J. Ruce, J.D., LL.M.

Estate Planning Attorney, Stone Arch Law Office

Randy Kurtz, CFP®, RIA

Chief Investment Officer, Upper Left Wealth Management

Randy Lupi, IAR

Regional VP & Retirement Planning Specialist, AXA Advisors

Ray E. LeVitre, Investment Adviser, CFP

Founder, Managing Partner, Net Worth Advisory Group

Raymond Edwin (Ed) Whitaker, Investment Adviser Representative

Founder, Tremont First Financial Services

Rebecca Dolan

Contributing Writer,

Rebecca McClay

Contributing Writer, Kiplinger's Personal Finance

Reid Abedeen

Partner, Safeguard Investment Advisory Group, LLC

Reid Johnson, Investment Adviser

Insurance Professional and President, Lake Point Advisory Group LLC

Rhian Horgan

Founder and CEO, Kindur

Ric Edelman, Founder

Chairman of Financial Education, Edelman Financial Engines

Rich Ramassini, CFP®

Senior Vice President, PNC Investments

Richard A. Carriuolo, Certified Financial Planner™

Vice President and Director of Wealth Management S, R. M. Davis, Inc.

Richard Giannotti, Investment Adviser Representative

President of Athlete Asset Management Division, Global Wealth Sports and Entertainment

Richard London, Certified Financial Planner™

Founder, Link Financial Advisory

Richard Pucciarelli, Investment Adviser Representative

President and founder, Carolina Retirement Resources Inc.

Richard W. Paul, CFP, RFC, Investment Adviser

President, Richard Paul & Associates, LLC

Rick Barnett, Certified Estate Planning Professional

President, Barnett Financial and Tax

Rick Bechtel

Head of U.S. Residential Lending, TD Bank

Riley Adams, CPA

Owner, Young and the Invested

Rivan V. Stinson

Associate Online Editor,

Rob Lutts, Investment Adviser

President and Chief Investment Officer, Cabot Wealth Management

Robert E. Grace, JD, CLU, ChFC, CFEd, RFC, Master Elite IRA Advisor

Founder and President, Grace Tax Advisory Group, LLC

Robert Harwood, Investment Adviser

President and Founder, Harwood Financial Group

Robert K. Altshuler, JD CLU CHFC

Partner, Chief Operating Officer, PlanningCore Wealth Advisors LLC

Robert Klosterman, CFP®

CEO & Chief Investment Officer, White Oaks Investment Management, Inc.

Robert Long

General Manager,

Robert N. Auclair, CFP®

Principal, Balanced Wealth Management, LLC

Roberto Trejo, NSSA®, CFF®

Senior Managing Partner, Coeus Financial

Rocky Mengle

Tax Editor

Rodger Sprouse, Investment Adviser Representative

Founder and CFO, Sprouse Financial Group

Rodrigo Sermeño

, The Kiplinger Letter

Roger A. Young, CFP®

Senior Financial Planner, T. Rowe Price

Roger C. Davis

CEO, Woodridge Wealth Management, LLC

Roger Ford, RFC, Investment Adviser

Founder & CEO, Conservative Financial Solutions

Ron Anno, Investment Adviser Representative

Founder, Retirement Planning and investment Solutions LLC

Ron Gelok, Investment Adviser

Financial Advisor and President, Ronald Gelok and Associates

Ron Sanders, AIF®

CEO & Chief Investment Officer, ONE Retirement, LLC

Ross Wolf, RIA, ChFC

President, Pacific Financial Advisors Inc.

Roy Gagaza, Registered Investment Adviser

President and CEO, Journey Wealth Management LLC

Ruisha Qian

Contributing Writer,

Russ Hill CFP®, AIFA®

CEO and Chairman, Halbert Hargrove Global Advisors LLC

Ryan Ermey

Associate Editor, Kiplinger's Personal Finance

Ryan Halpern, CPA, CFP®

Wealth Adviser, Brightworth

Ryan Krauss, Investment Adviser Representative

President and CEO, U.S. Central Financial Group

Sabrina Medler

Intern, Kiplinger's Personal Finance

Salene Hitchcock-Gear

President of Prudential Individual Life Insurance, Prudential Financial

Sally Abrahms

Contributing Writer, Kiplinger's Retirement Report

Sam Dixon, Investment Adviser Representative

Managing Partner, Oxford Advisory Group

Sandra Block

Senior Editor, Kiplinger's Personal Finance

Sarah Smith


Sarah Stevens

Vice President, Content, Kiplinger Washington Editors

Scot Landborg

CEO - Senior Wealth Adviser, Sterling Wealth Partners

Scott Hanson, CFP

Financial Advisor and Co-Founder, Hanson McClain Advisors

Scott M. Dougan, RFC, Investment Adviser

President & Founder, Elevated Retirement Group

Scott Staton, Investment Adviser Representative

Founder, Staton Financial Group

Scott Thoma, CFA, CFP®

Principal, Client Needs Research, Edward Jones

Scott Tucker, Investment Adviser Representative

President, Scott Tucker Solutions

Scott Vance, Investment Adviser

Owner, Taxvanta

Scott Winstead, Investment Adviser Representative

Founder, Compass Retirement

Sean Fleming. Investment Adviser Representative

Adviser, Freedom Financial Group

Sean Lengell

Associate Editor, The Kiplinger Letter

Sean McDonnell, CFP®

Financial Adviser, Advance Capital Management

Sean P. Lee, MSFS

President and Founder, Elevated Retirement Group

Shane Brosnan, Investment Adviser

Partner, BML Wealth Management

Shanna Tingom, AAMS®

Co-Founder, Heritage Financial Strategies

Stacy Francis, CFP®, CDFA®, CES™

President & CEO, Francis Financial Inc.

Stacy Rapacon

Online Editor,

Stephanie Sammons, CFP®

Founder and CEO, Sammons Wealth Management

Stephen Alred, Financial Planner

Founder, Ignite Financial

Stephen Harbeck, Securities Investor Protection Corporation

President and CEO, Securities Investor Protection Corporation

Stephen J. Korving, CFP®

President & Chief Investment Officer, Korving & Company

Stephen Scott, Investment Consultant

Managing Director, Longboard Asset Management

Steve Fullerton, Investment Adviser

Co-Founder, Fullerton Financial Planning

Steve Jurich, Investment Adviser

Founder, IQ Wealth Management

Steven Goldberg

Contributing Columnist,

Stewart J. Weissman, Investment Adviser Representative

Founder, Wealth Preservation LLC

Susan B. Garland

Contributing Editor, Kiplinger's Retirement Report

Susannah Snider

Staff Writer, Kiplinger's Personal Finance

T. Eric Reich, CIMA®, CFP®, CLU®, ChFC®

President and Founder, Reich Asset Management, LLC

Tad Hill, Investment Adviser

Founder and President, Freedom Financial Group

Taylor Schulte, CFP

Founder and CEO, Define Financial

Thomas P. Keller, CFP, CLU

Partner, Kehoe Financial Advisors

Tim Fries

Founder, Lakeview Capital

Timothy Barrett, Trust Counsel

Senior Vice President, Argent Trust Company

Tom Petruno

Contributing Writer, Kiplinger's Personal Finance

Tom Presley, CPA, CFP®

Partner / Wealth Adviser, Brightworth

Tom Taulli

Contributing Writer,

Toni Hill, RFC

Investment Adviser Representative, Freedom Financial Group

Tony Drake, CFP®, Investment Advisor Representative

Founder & CEO, Drake & Associates

Tony Zabiegala, Investment Adviser

Founder and Vice President, Strategic Wealth Partners

Tracy Craig, Fellow, ACTEC, AEP®

Partner and Chair of Trusts and Estates Group, Mirick O'Connell

Tyler Harrison, Fiduciary Adviser, AIFA

Founder, Efficient Plan, LLC

Vanessa Baida

Contributing Editor,

Vanessa Dezem

Contributing Editor,

Victoria Larson (Gehrisch), Investment Adviser Representative

CEO, Vitality Investments

Vid Ponnapalli, CFP™, MS, EA

Founder & President, Unique Financial Advisors

Vishal Jain

Head of Financial Wellness Strategy, Prudential Financial

Vita Nelson

Founding Publisher and Editor, Moneypaper

Vitaliy Katsenelson, CEO and CIO

Chartered Financial Analyst (CFA), Investment Management Associates

Vittorio Bertuzzelli, CFP

Financial Adviser, Edward Jones Investments

Walter E. Bak, Attorney, Investment Adviser Representative

Founder, Law Office of Walter E. Bak

Wesley N. Price, CFP®

Personal Wealth Strategist, Prosperity Partners Wealth Management

Will Ashworth

Contributing Writer,

Will Lofland

Director and Head of Intermediary Distribution, GuideStone Funds

William Rassman, CFP®

Vice President - Wealth Adviser, Centric Capital Advisors

Zach Gray, Investment Adviser Representative

Partner, Wall Street Financial Group

Zachary W. Herzog, Investment Adviser

CEO, Wolfgang Capital LLC