I provide both bylined and ghostwritten content for personal finance websites, real estate agents, insurance agents, mortgage lenders, and financial advisors. I am known for my well-informed and conversational writing style and my skill in making complex topics easy to understand.

As a personal finance expert with more than 10 years of professional writing experience, I believe that anyone can take control of their finances at any time, but it can be hard to know what steps to take or where to turn for trustworthy information. I'm the person who has read the fine print on the credit card applications, reviewed the lengthy tax publications, and researched the complicated mortgage loans so others don't have to. My goal is to simplify personal finance for others because I believe money should be a tool to help people achieve their dreams, not a source of endless stress. 

My personal finance articles have appeared in nationally recognized media outlets such as Yahoo's homepage, Yahoo Finance, Forbes.com, MSNBC.com, SFGate.com, MSN Real Estate, Realtor.com, Investopedia, Interest.com, Bankrate, MassMutual's blog, Bankaholic, Mortgage-Calc.com, Saving Advice, and more. I have also written definitions of more than 1,000 financial terms for Investopedia's online dictionary as well as in-depth tutorials on budgeting, banking and home buying. In addition, I have written scripts for Investopedia's educational videos and responded to readers' FAQs.

Aging

Planning for diminished mental capacity as you age, MassMutual.com

Be on guard: 3 common senior scams, MassMutual.com

Long-Term Care Effects on Retirement Funds, RothIRA.com

Renting? Maybe a better choice for some retirees, MassMutual.com

Should you move to a 55-or-older community?, MassMutual.com

Downsizing in retirement, is it better to rent or to own? MassMutual.com

Banking

Pros and Cons of Overdraft Protection, Investopedia.com

How to Break Up with Your Bank, Investopedia.com

Basic Personal Financial Planning

Building Your Financial Pyramid, MassMutual.com

How To Use Your Roth IRA As An Emergency Fund, Interest.com

5 low-risk ways to earn higher interest, Bankrate.com

Protect Yourself from Investment Fraud, RothIRA.com

Budgeting

Moving to a Cheaper City Won't Always Help You Save, BusinessInsider.com

Why Newer Cars Don't Save You Money, SavingAdvice.com

5 Smart Ways to Cut Smartphone Costs, Bankrate.com

Money-Saving Shopping Tips to Maximize Your Budget, CBC.ca

Why Do Companies Print Coupons? Yahoo Finance

6 Sneaky Ways Coupons Make You Spend More, Yahoo Finance

WiseBanyan Review: Automated Saving, Bankrate.com

Business Development

Writing Your Business Plan, Investopedia.com

Starting A Small Business, Investopedia.com

Six Self-Employment Myths You Need to Know before Starting Out on Your Own, SavingAdvice.com

Most Small Business Partnerships Will Fail Due To This One Fatal Flaw, LendGenius.com

Bank of America Small Business Loans – What You Need To Know, LendGenius.com

7 Ways Wells Fargo Business Loans Can Help Your Company, LendGenius.com

Haven’t Heard of Balboa Capital? Here’s a Quick Review, LendGenius.com

8 Fintech Companies Helping Small Businesses Work Smarter, LendGenius.com

S Corp vs C Corp: How Should You Incorporate Your Small Business?, LendGenius.com

Read This Review Before Accepting A Lending Club Business Loan, LendGenius.com

Debt Service Coverage Ratio Explained in Acute Detail, LendGenius.com

Best Banks for Small Business in 2018: Did Yours Make the Cut?, LendGenius.com

The 5 C’s of Credit Deciding Your Business Fate, LendGenius.com

An Informative Guide to Preventing Chargebacks & Reducing Fraud, LendGenius.com

Small Business Compliance: Legal Basics You Need to Know, LendGenius.com

EMV Compliance: The Good, The Bad, & The Ugly, LendGenius.com

How To Start A Business With No Money – Bootstrapping Your Startup, LendGenius.com

7 Unique Business Ideas on How to Grow Quickly, LendGenius.com

A Beginner’s Guide to Making the Most of Small Business Loan Money, LendGenius.com

Government Loans: The Ultimate Guide to SBA Lending, LendGenius.com

7 Fast Business Loans for When You Need Funds Immediately, LendGenius.com

Career

A financial checklist for your first job, MassMutual.com

College

Alternatives for 529 college savings, MassMutual.com

How to save on college? (without a scholarship), MassMutual.com

College shopping: Big fish or big pond? MassMutual.com

College admissions counselors: Weighing the price, MassMutual.com

Sending twins or siblings to college: Financial options, MassMutual.com

What high schoolers need to know about student loans, MassMutual.com

What first-generation college students need to know, MassMutual.com

Busted marriages and college financial aid, MassMutual.com

Biggest college freshman financial blunders, MassMutual.com

Alternatives for the non-college bound, MassMutual.com

Condo Buying

How to buy a condo with confidence, Interest.com

Don't get stuck with a tough-to-sell condo, Interest.com

Consumer Credit and Consumer Debt

Americans Are Borrowing More To Buy Cars - But Should They Be? Investopedia.com

Time To Accept Credit Card Offers Again? Investopedia.com

10 Reasons to Use Your Credit Card, Investopedia.com

American Debt: Credit Card Balances Down $19 Billion in 1Q 2018, Investopedia.com

American Debt: Mortgage Debt Reaches $8.94 Trillion in 1Q 2018, Investopedia.com

Credit Card Reviews

Wells Fargo Platinum Credit Card Review 2018, LendGenius.com

American Express Blue Card Review 2018, LendGenius.com

IHG Rewards Club Traveler Credit Card Review 2018, LendGenius.com

Capital One Quicksilver Credit Card Review 2018, LendGenius.com

Total Visa Credit Card Review 2018, LendGenius.com

The Capital One Venture Card Review – What You Need To Know, LendGenius.com

The RushCard Prepaid Visa Card Review, LendGenius.com

The Merrick Bank Credit Card Review of 2018, LendGenius.com

Chase Marriott Rewards Premier Credit Card 2018 Review, LendGenius.com

The Discover it® Secured Credit Card Review for 2018, LendGenius.com

Indigo Credit Card – 2018 Review, LendGenius.com

JetBlue Credit Card – 2018 Review, LendGenius.com

The AmEx Plum Card: A Review For Consideration, LendGenius.com

Wells Fargo Secured Credit Card Review – Small Business Edition, LendGenius.com

Spark Business Credit Card Cash Select by Capital One Review- Small Business Edition, LendGenius.com

Commerce Bank Credit Card Business Platinum Review – Small Business Edition, LendGenius.com

Should You Choose the Chase Ink Business Cash Credit Card?, LendGenius.com

Credit Card Rewards

How To Maximize Chase Ultimate Rewards, Investopedia.com

No reward for paying your mortgage with a credit card, Interest.com and Newsday

Credit Scores

FICO Or FAKO? The Limitations of Free Credit Scores, Investopedia.com

Top Websites For Checking Your Credit Scores, Investopedia.com

6 Benefits to Boosting Your Credit Limit, BusinessInsider.com

How Bad Is My Credit Score? Investopedia.com

Applying for new credit cards and your score, MassMutual.com

Will having several credit cards hurt my credit score? Investopedia.com

How to Establish Credit with No Credit History, Investopedia.com

Debt

6 ways to pay off credit card debt, Bankrate.com

Should you pay down debt first or build up savings? Here's how to choose, Bankrate.com

How to Transfer Credit Card Balances to a New Card, Investopedia.com

What happens to your student loans when you die? MassMutual.com

Economics

What Will Happen To Treasury Yields With Yellen And Tapering? Investopedia.com

How Federal Open Market Committee Meetings Drive Rates And Stocks, Investopedia.com

Janet Yellen Vs. Alan Greenspan: Who Is The Better Fed Head? Investopedia.com

How to Explain Trump-Era Tariffs to Clients, Investopedia.com

Pros and Cons of NAFTA, Yahoo Finance

Family Finance

Helping your teenager establish good credit, MassMutual.com

Why You Shouldn't Do Your Own Estate Planning, TraditionalIRA.com

How multigenerational family businesses thrive, MassMutual.com

What a Stretch IRA Is and How to Use One, TraditionalIRA.com

The changing role of the caregiver, MassMutual.com

The changing notion of a dependent, MassMutual.com

Parents supporting adult children: The good and bad, MassMutual.com

Advice on Wills: Should Each Child Get the Same Inheritance? Investopedia.com

Why millennials should not rely on an inheritance, MassMutual.com

Should you lend your kids money to buy a home? Interest.com

Paying for K–12 private school tuition, MassMutual.com

Financial Aid: What Some Private High Schools Offer, MassMutual.com

How to create a financial survival plan, Interest.com

How to make sure your heirs won’t fight, MassMutual.com

Wedding insurance protects against misfortune, Interest.com

Financial Planning for Women

Financial tips for women in a divorce, MassMutual.com

Meet 7 Outstanding Female Investors Who Fought Their Way to the Top, BusinessInsider.com

General Investing

7 mistakes to avoid when investing in CDs, Interest.com

Mutual fund and ETF basics, MassMutual.com

Here's what’s wrong with DIY investing, Interest.com

Are CD Ladders Still Worth The Effort? Bankaholic.com

Using investments to make a difference, MassMutual.com

Meeting your financial advisor for the first time, MassMutual.com

Health Care

Wellness programs: A good way to save money, Interest.com

10 smart moves to save on health care, Interest.com

The Proposed Medicare Drug Rules & Senior Health, Investopedia.com

Medicare's New Payment Rules: Should You Worry? Investopedia.com

Healthcare Scams That Target Seniors, Investopedia.com

How to Choose a Residential Care Home, Investopedia.com

Pros & Cons of Smaller Long-Term Care Facilities, Investopedia.com

How to Avoid Penalties When Postponing Medicare, Investopedia.com

Should You Delay Enrolling in Medicare? Investopedia.com

When You Can and Can't Delay Enrolling in Medicare, Investopedia.com

How to Use Your HSA for Retirement, Investopedia.com

Things Nursing Homes Are Not Allowed to Do, Investopedia.com

5 Ways to Protect Pensions from Nursing Homes, Investopedia.com

How to Pick the Right Nursing Home, Investopedia.com

Should Retirees Worry about Medicare Under Trump? Investopedia.com

Home Buying

Buying your first home, MassMutual.com

Tax Law Changes: How Does It Affect You Buying a Home? Usaj Realty

How Much Does a Home Inspection Cost? Bankrate.com

10 Vital Housing Questions Real Estate Listings Can't Answer, SavingAdvice.com

Buying Real Estate in the Digital Age: Is a Real Estate Agent Obsolete? Usaj Realty

8 smart moves for buying a foreclosure, Interest.com

Home down payments: Do's and don'ts, MassMutual.com

9 ways to crush all-cash buyers, Interest.com

Why some seniors upsize in retirement, MassMutual.com

The Ins and Outs of Seller-Financed Real Estate Deals, Forbes.com

Rent vs. Buy: Is It a Good Time to Buy a House? Usaj Realty

Home Equity Loans

4 smart moves for using home equity, Interest.com

Tapping home equity is cheap if you qualify for a loan, Interest.com

Home Improvement

11 biggest remodeling mistakes, Interest.com

8 premium bathroom upgrades, Interest.com

Home Design Trends for Summer 2018, Usaj Realty

Home Selling

8 smart moves to boost your curb appeal, Interest.com

Selling Your House? Avoid These Mistakes, Investopedia.com

Home Seller Tips: How to Get Your Home Ready to Sell, Usaj Realty

Selling your first home, MassMutual.com

Sell or rent out your old home? Considerations, MassMutual.com

Identity Theft

Protect Yourself Against Identity Theft While Travelling, The Globe and Mail

Identity Theft: How Much Should You Worry? Investopedia.com

Industry Analysis

The Energy Drinks Industry, Investopedia.com

The Economics of Hulu, Netflix, Redbox and Blockbuster, Investopedia.com

What Drives Summer Blockbuster Movie Profits? Investopedia.com

Why Zillow Is Free and How It Makes Money, Investopedia.com

Insurance

Best Life Insurance for Seniors, TheSimpleDollar.com

Best Whole Life Insurance for 2018, TheSimpleDollar.com

Your Complete Guide to Long-Term Care Insurance, Investopedia.com

Is Your Employer-Provided Life Insurance Coverage Enough? Investopedia.com

Do you need life insurance in your 20s? MassMutual.com

Why You Don’t Need Mortgage Protection Life Insurance, Investopedia.com

Have the Right Condo Insurance? Investopedia.com

What is funeral insurance and do you need it? RothIRA.com

Is crowdfunding a poor substitute for life insurance? MassMutual.com

Individual vs. Employer Life Insurance, MassMutual.com

Term vs. perm life insurance: 3 considerations, MassMutual.com

Don't Forget Long-Term Care Insurance in Your Retirement Planning, RothIRA.com

How to get the most from your auto insurance claim, Bargaineering.com

Why everyone should consider flood insurance, Interest.com

How Umbrella Insurance Works, Investopedia.com

Is Vision Insurance Worth It? What You Should Know, Investopedia.com

Markets

Denver Housing Market: Looking Back on 2017 and Ahead to 2018, Usaj Realty

Reverse Mortgages Make Denver Housing Inventory Even Tighter, Usaj Realty

Denver Real Estate News: The Latest Info on the Zeppelin Development,  Usaj Realty

Living in Denver: Endless Opportunities, Amenities, Usaj Realty

Luxury Real Estate Market in Denver: Stronger Than Ever, Usaj Realty

Denver's Apartment Boom Just Won't Quit, Usaj Realty

2017 Denver Real Estate: A Great Time to Buy or Sell a Home, Usaj Realty

Home Construction in Denver Can't Keep Pace with Demand, Usaj Realty

Millennial Finance

Retirement Planning The Millennial Way, Investopedia.com

Buying a house: What millennial homebuyers want, MassMutual.com

Five Retirement Warning Signs for Millennials, Investopedia.com

How Gen Y Can Avoid Working Forever, Investopedia.com

Mortgages

How the new mortgage rules will affect you, Interest.com

How to finance a fixer-upper, Interest.com

Is it OK to retire with a mortgage? MassMutual.com

How to get a mortgage during retirement, MassMutual.com

A Refresher Course in How to Spot a Predatory Lender, BusinessInsider.com

3 Reasons to Work with a Mortgage Broker, Bankrate.com

Personal Loans

Use unconventional creditworthiness to get a personal loan, Bankrate.com

5 reasons you should use a personal loan for home improvements, Bankrate.com

When you should consider securing a personal loan with a CD, Bankrate.com

Personal Loan Interest Rates – What To Look For, LendGenius.com

Public Policy

Tax Withholding: Good for Government, Bad for Taxpayers, Investopedia.com

How the Consumer Financial Protection Bureau Works, Investopedia.com

Unnatural Rights in the Natural State, Arkansas Center for Research in Economics

Real Estate Investing

Real Estate Flipping: 8 Disclosures You Must Make, Investopedia.com

Benefits of a 1031 Tax Exchange for Real Estate Investments, Usaj Realty

Real Estate News

River Mile Set to Revitalize Central Platte Valley, Usaj Realty

Refinancing

Is now the right time to refinance? Interest.com

Make your tough refinancing work with an FHA loan, Interest.com

Relationships

Protecting your finances in a second marriage, MassMutual.com

8 Ways to Save Money on Wedding Catering, SavingAdvice.com

Holiday weddings: Promises and perils, MassMutual.com

Buying a home together … sans marriage, MassMutual.com

Money questions to ask before you’re engaged, MassMutual.com

Getting remarried and your child’s college financial aid, MassMutual.com

Retirement Income

Why to Start Your Own Business During Retirement, Investopedia.com

Retirement Investing

Retirement Planning in a World of Lower Investment Returns, Investopedia.com

What’s the Best Retirement Drawdown Strategy for You? Investopedia.com

Maximize Your Real Rate of Return for Retirement, Investopedia.com

Retirement Planning: Why Real Rates of Return Matter Most, Investopedia.com

Why Your Retirement Portfolio Can’t Rely on High Rates of Return, Investopedia.com

Retirement Strategy: Should You Be Buying More Stocks? Investopedia.com

Could Your Retirement Portfolio Handle Another Financial Crisis? Investopedia.com

Picking Retirement Stocks: Dividends vs. Free Cash Flow, Investopedia.com

Penny Pinching: Your Best Weapon against Retirement Uncertainty, Investopedia.com

Diversification: Your Best Retirement Planning Tool, Investopedia.com

REITs vs. ETFs: Which Are Better For Retirees? Investopedia.com

Peer-to-Peer Lending: How Retirees Can Make Money, Investopedia.com

10 Signs You Are Not OK to Retire, Investopedia.com

5 Tips on Trading During Your Retirement Years, Investopedia.com

I'm Retired: Is It Safe to Invest in the Technology Sector? Investopedia.com

5 things you should know about target date funds, Interest.com

When rolling over your 401(k) is the wrong move, Interest.com

Retirement Saving

Saving for retirement in your 20s: Doing the math, MassMutual.com

How much money should I have saved by age 30? Yahoo Finance

Behind on Retirement? Here Are Retirement Catch-Up Tips, TraditionalIRA.com

Borrowing from your 401(k): The risks, MassMutual.com

8 FAQs on Roth vs. traditional IRAs, MassMutual.com

Retiring early? Possible ways to tap savings but sidestep penalties, MassMutual.com

Is 10% of Your Income Enough to Save? TraditionalIRA.com

Retirement: How to preserve it while helping your parents, MassMutual.com

The 4 Phases of Retirement and How to Budget for Them, Investopedia.com

Which Retirement Funds Are Protected in a Lawsuit? TraditionalIRA.com

Can I contribute to a Roth IRA and still participate in my employer-sponsored retirement plan? Investopedia.com

The Top Retirement Strategies for Teachers, Investopedia.com

Why baby boomers should secure a mortgage before retirement, MassMutual.com

Unemployed? You Can Still Help Your Retirement, TraditionalIRA.com

Retiring Overseas

How To Plan Retirement In Ecuador, Investopedia.com

The Best Places to Retire in France, Investopedia.com

Reverse Mortgages

How Do You Get a Reverse Mortgage? Bankrate.com

How to Choose a Reverse Mortgage Payment Plan, Investopedia.com

How to Avoid Outliving Your Reverse Mortgage, Investopedia.com

Could a Reverse Mortgage Pay for Your Retirement? TraditionalIRA.com

How to Buy a Home with a Reverse Mortgage, Investopedia.com

Find the Right Reverse Mortgage Counseling Agency, Investopedia.com

5 Signs a Reverse Mortgage Is a Bad Idea, Investopedia.com

5 Signs a Reverse Mortgage Is a Good Idea, Investopedia.com

A Look at Regulation of Reverse Mortgages, Investopedia.com

Changes to Rules on Reverse Mortgages, RothIRA.com

Guidelines for FHA Reverse Mortgages, Investopedia.com

Beware of These Reverse Mortgage Scams, Investopedia.com

Is a Reverse Mortgage Taxable Income? Bankrate.com

Picking the Right Reverse Mortgage Lender, Investopedia.com

Do You Qualify for a Reverse Mortgage?, Investopedia.com

A Guide to Taxes and Reverse Mortgages, Investopedia.com

4 reasons to be wary of a reverse mortgage, Interest.com

Defending the maligned reverse mortgage, Interest.com

Find The Top Reverse Mortgage Companies, Investopedia.com

Social Security and Pensions

How Social Security for Legal Immigrants Works, Investopedia.com

Immigrants over 65 and Social Security, Investopedia.com

Social Security for the Self-Employed: How It Works, Investopedia.com

Understanding Social Security Eligibility, Investopedia.com

How to Spot Pension Fraud, Investopedia.com

Student Loans

Will getting a student loan deferral hurt my credit score? Investopedia.com

Refinancing student loans: What’s lost, what’s gained, MassMutual.com

Repaying student loans early: How to do it right, MassMutual.com

Success Stories

How I remodeled my bathroom for just $2,400, Interest.com

How I refinanced and saved $200,000, Interest.com

Taxes

11 Most Common Tax Mistakes, NBCNews.com

Mortgage interest deduction not always valuable, Interest.com

2018 Tax Audit Triggers Business Owners Need to Know, LendGenius.com

Traditional IRA vs. 401(k): Which Is a Better Tax Shelter? TraditionalIRA.com

Do U.S. High Corporate Tax Rates Hurt Americans? Investopedia.com

How to Make Sure Tax Professional Prepare Your Return Correctly, SavingAdvice.com

Can moving to a higher tax bracket cause me to have a lower net income? Investopedia.com

Here's What Getting a Raise Will Do to Your Taxes, BusinessInsider.com

How to Owe Nothing on Your Federal Tax Return, Investopedia.com

A Complete Declassified List of Tax-Exempt Fringe Benefits, LendGenius.com

Property Taxes: Understanding Your Colorado Tax Bill, Usaj Realty

Technology

Should you buy a used smartphone? Bankrate.com

5 ways to cut smartphone costs, Bankrate.com

Use your smartphone for DIY home security and save cash, Bankrate.com

Home Improvement: Adding a DIY Home Security System, Usaj Realty

Transportation

Uber Versus Yellow Cabs In New York City, Investopedia.com

Key Differences between Uber and Lyft, Investopedia.com

Travel

Airbnb: Unique Properties in Denver, Usaj Realty