Tim Smith has 20+ years of experience in the financial services industry, both as a writer and as a trader. Andy Smith is a Certified Financial Planner (CFP®), licensed realtor and educator with over ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Chip Stapleton is a Series 7 and Series 66 license holder, CFA Level 1 exam holder, and ...