Credit Education and Restoration Specialist
Andrea Hopwood, better known as “The Credit Savvy Coach,” is a credit education and restoration specialist based in Atlanta. Hopwood delivers lessons to equip individuals with the credit and self-development tools they need to live a creditworthy lifestyle.Read advice from Andrea:
Director of Federal Legislative Advocacy, National Alliance on Mental Illness
Andrew Sperling is Director of Federal Legislative Advocacy at the National Alliance on Mental Illness. Since 1994, Mr. Sperling has also served as a Co-Chair of the Consortium for Citizens With Disabilities (CCD) Housing Task Force – a coalition of national disability advocacy and provider organizations dedicated to promoting policies and funding to increase access to affordable housing opportunities for non-elderly adults with severe disabilities.
Andy Smith, CFP®
Senior Vice President of Financial Planning, Financial Engines
Co-Host, Financial Engines’ Investing Sense
Andy has worked as a financial advisor for over 15 years and has helped thousands of investors navigate a variety of markets to achieve their long-term financial and retirement goals. Through his years of on-the-ground interactions, he’s forged an understanding of what investors need and want – not just from their accounts but from their relationships with an advisor.
Luckily, Andy’s advising doesn’t stop in the office. He’s spent nearly that same time on the local and national airwaves guiding listeners toward all of their investment and retirement goals – all while offering clear and actionable advice on everything from personal finance and investing to the economy.
Andy considers himself on-call 24/7 and is excited to help you achieve your financial and retirement goals – and, quite possibly, learn something cool and have fun in the process.
Program Director, SoMa Renaissance Entrepreneurship Center
April Gilbert is Program Director at SoMa Renaissance Entrepreneurship Center in San Francisco. She also serves as Acting Director of the Women’s Business Center there. Prior to joining Renaissance, April worked on two girls’ education and empowerment projects in Tanzania and Zambia. April earned her PhD in Organizational Behavior from the Haas School of Business at UC Berkeley, her MBA from Stanford Graduate School of Business and her BA in Politics from Princeton University.Read advice from April:
Consumer Advocate & Award-Winning Author
Beverly Harzog is a nationally recognized credit card expert, consumer advocate, and award-winning author. Her latest bestselling book, “The Debt Escape Plan: How to Free Yourself From Credit Card Balances, Boost Your Credit Score, and Live Debt-Free” (Career Press, 2015), won the American Society of Journalists and Authors 2016 Outstanding Nonfiction Book Award in the Self-Help category.
Deputy Assistant Secretary, Office of Housing Counseling
Banfield joined Quicken Loans in 1999, after holding positions at both MCA Mortgage and Lambrecht Mortgage Co. He is responsible for coordinating all facets of credit risk management, product development, margin management, competitive analysis, pipeline analytics, loss mitigation and execution strategy. Bill earned an undergraduate degree in Finance from Western Michigan University and is a graduate of the Mortgage Bankers Association’s Future Leaders Program.Read advice from Bill:
Vice President of Communications, National Foundation for Credit Counseling
Bruce McClary is Vice President of Communications, National Foundation for Credit Counseling in Washington, D.C. He has nearly two decades of experience in the credit industry and has provided one-on-one credit counseling to thousands of consumers.
Executive Director, Rocky Mountain Insurance Information Association
Carole Walker has served as executive director of the Rocky Mountain Insurance Information Association (RMIIA) since 1998. RMIIA is a non-profit trade organization that represents insurance companies in the Rocky Mountain Region. Walker serves as an industry spokesperson and advocate in the four-state region of Colorado, New Mexico, Utah and Wyoming. She also serves on the Colorado Teen Driving Alliance.
Founder, Consumer Law Group LLC
Daniel Blinn, managing attorney and founder of Consumer Law Group LLC, is a leading consumer advocate. He has served with the National Association of Consumer Advocates, as its treasurer and a board of director member, and is the current chair of the association’s Connecticut chapter. Blinn holds a law degree from New York University School of Law, and has specialized in representing consumers since 1997.Read advice from Daniel:
Personal Money-Management Expert
Dave Ramsey is a personal money-management expert and popular national radio personality. Ramsey has authored seven best-selling books. “The Dave Ramsey Show” is heard by more than 11 million listeners each week on more than 550 radio stations and digitally through podcasts, online audio streaming and a 24-hour online streaming video channel.Read advice from Dave:
Dr. Brad Klontz
Co-Founder, Your Mental Wealth™ & the Financial Psychology Institute
Dr. Brad Klontz, Psy.D., CFP® is the co-founder of Your Mental Wealth™ and the Financial Psychology Institute, and a Partner of Occidental Asset Management, LLC. Dr. Klontz is a financial psychologist and an Associate Professor of Financial Psychology and Behavioral Finance at Creighton University Heider College of Business. He has co-authored five books on the psychology of money.Read advice from Dr.Brad:
Director, BBBI Scam and Fraud Initiatives
Emma Fletcher is the Better Business Bureau scam tracker project director with the BBB Institute for Marketplace Trust, the educational foundation of the Council of Better Business Bureaus. She has more than two decades of experience in dispute resolution and consumer protection, particularly in the areas of marketplace scams, identity theft and privacy. She is a certified information privacy professional and holds a master’s degree in public administration from George Mason University.Read advice from Emma:
President & CEO, Identity Theft Resource Center
Eva Velasquez is president and CEO of the Identity Theft Resource Center.Read advice from Eva:
J. Robert Hunter
Director of Insurance, Consumer Federation of America
J. Robert Hunter is director of insurance for the Consumer Federation of America and the former insurance commissioner for Texas. He has run the National Flood Insurance Program under HUD, worked for private industry groups such as Atlantic Mutual, and won national awards for consumer service. Here he offers tips on how to comparison shop for car insurance.
President, National Association of Consumer Bankruptcy Attorneys
James Haller is president of the National Association of Consumer Bankruptcy Attorneys (NACBA). After his undergraduate coursework at Carleton College in Minnesota, he enrolled at Washington University School of Law in St. Louis, Missouri and completed his law degree in 1993. He is an attorney with the Sulaiman Law Group of Chicago and has written extensively about many aspects of bankruptcy.
California Representative, Insurance Information Institute
Janet Ruiz is the California representative for the Insurance Information Institute. She joined the III in January 2015, bringing with her 25 years of experience in the insurance industry. Prior to III, Ruiz worked for the California office of Firemans Fund Insurance Company and State Farm Insurance Company.
Laurence J. Kotlikoff
Professor of Economics, Boston University
Laurence J. Kotlikoff, an internationally recognized professor of economics at Boston University, is the author or co-author of 18 books and hundreds of professional journal articles, including the best-selling Get What’s Yours—The Secrets of Maxing Out Your Social Security. Through his company, Economic Security Planning, Inc., Kotlikoff has designed the financial planning software www.esplanner.com and www.maximizemysocialsecurity.com, which helps users get the highest lifetime benefits from Social Security.Read advice from Laurence:
Author, The Complete Idiot’s Guide to Improving Your Credit Score
Lita Epstein has authored several business and personal finance books, including The Complete Idiot’s Guide to Improving Your Credit Score. She holds an MBA from Emory University’s Goizueta Business School and has worked as a newspaper reporter and magazine editor.
Chief Relationship Officer, credit.org
Melinda Opperman is chief relationship officer at credit.org, where she focuses on educating consumers about financial literacy. She is the co-editor of credit.org’s Consumer Guide to Good Credit.
Vice President of Media Relations, Insurance Information Institute
Michael Barry is the vice president of media relations at the Insurance Information Institute. He is a former director of public affairs at the New York State Insurance Department. Earlier in his career, Barry served as the public information officer at the New York State Banking Department and the town of North Hempstead on Long Island.
President & Founder, Business Credit Reports
Pam Ogden is the president and founder of Business Credit Reports, which is licensed by Dun & Bradstreet, Experian and Equifax to provide business credit reports that combine information from all three bureaus.Read advice from Pam:
Director of Media Relations, NEFE
Paul Golden serves as director of media relations for the National Endowment for Financial Education (NEFE), a nonprofit foundation dedicated to helping all Americans acquire the information and gain the skills necessary to take control of their personal finances. Prior to joining NEFE in 2005, he worked as a managing editor for an online news service and has spent time working in the financial services industry.Read advice from Paul:
Finance Specialist, Fit Small Business
Priyanka Prakash is a finance specialist at Fit Small Business, an educational site for entrepreneurs. A former business attorney, Prakash now helps entrepreneurs understand loan options, credit scores, cash flow management and other financial topics.Read advice from Priyanka:
Community Relations and Corporate Social Responsibility, AAA
Rhonda Shah is responsible for community relations and corporate social responsibility at the AAA National Office and also supports AAA’s efforts related to school-based and senior traffic safety programs. Rhonda works closely with stakeholders to deliver effective traffic safety content, and her years in public health education and areas of focus include older driver safety, including the national CarFit program, which she oversees for all AAA and CAA clubs in North America.Read advice from Rhonda:
Sarah Gerecke is the Deputy Assistant Secretary for the Office of Housing Counseling at the U.S. Department of Housing and Urban Development, where she oversees 2,000 HUD-approved nonprofit and government housing counseling agencies that helped more than 1.3 million households in 2015 to achieve their housing goals. From 2009 to 2011, Sarah was Executive Director of New York University’s Furman Center for Real Estate and Urban Policy. She continues to teach a graduate law and policy seminar at NYU. Sarah is a member of the New York bar, a graduate of Harvard Law School and Princeton University and a resident of the Bronx.Read advice from Sarah:
Founder, The Financial Gym
Shannon McLay is a financial planner who left a traditional financial services firm to start her own company, The Financial Gym. She said that the key to long-term success is a commitment to financial fitness and making smart financial choices. She writes a blog, Financially Blonde, and puts together a podcast, Martinis and Your Money. She is the author of Train Your Way To Financial Fitness.Read advice from Shannon:
Founder & CEO, Caregiving Club
Sherri Snelling is the author of A Cast of Caregivers: Celebrity Stories to Help You Prepare to Care and a nationally recognized expert on caregiving. She is the founder and CEO of Caregiving Club, a former chairman of the National Alliance for Caregiving, and a contributing columnist on caregiving for PBS Next Avenue, Forbes.com, Huffington Post, and CareLinx.Read advice from Sherri:
President, Rest-of-Life Communications
Steve Vernon, F.S.A., is president of Rest-of-Life Communications, and a research scholar at the Stanford Center on Longevity. He conducts research on the most challenging aspects of retirement, including finances, health and lifestyle. His latest book is “Money for Life: Turn Your IRA and 401(k) Into a Lifetime Retirement Paycheck.”Read advice from Steve:
Personal Finance Expert
Terry Savage is a nationally recognized expert on personal finance, the economy and the markets. She writes a twice-weekly personal finance column syndicated nationally by Chicago Tribune Content Agency, and blogs regularly on the Huffington Post.Read advice from Terry:
Founder & COO, Instamotor.com
Val Gui is founder and COO of Instamotor.com, a website helping customers buy and sell cars.Read advice from Val:
Adolfo Pesquera has 32 years of news journalism experience. Pesquera has written more than 300 news and feature articles related to real property loans and transactions. His work has appeared in Hearst, News Corp., ALM and FreedomRead articles by Adolfo:
Brian O’Connell is a writer with 15 years of experience covering the stock market, consumer finance, insurance, retirement, careers, college and financial planning.Read articles by Brian:
Carrie Smith Nicholson
Carrie Smith Nicholson is a freelance finance expert and business writer. After working as a small business accountant for over a decade she quit her job and launched carefulcents.com. When she’s not writing about finance and geeking out over numbers, she enjoys traveling and making food with her chef husband.Read articles by Carrie:
Chandra Thomas Whitfield
Chandra Thomas Whitfield is an award-winning print, broadcast and multimedia journalist and regular contributor to NBCNews.com/NBCBLK. Her work has appeared in a wide variety of media outlets, including The Huffington Post, Essence, Ebony, People, Newsweek, The Root, The Grio, The Atlanta Journal-Constitution and TIME.com.Read articles by Chandra:
Chaunie Brusie, RN, BSN is a healthcare expert with experience in critical care, long-term care and obstetrical nursing.Read articles by Chaunie:
Chris Woolston is a freelance science, health and travel writer whose work has appeared in Nature, the Los Angeles Times, Hippocrates, The Chronicle of Higher Education and elsewhere. He lives with two Aussiedoodles; his wife, novelist Blythe Woolston; and assorted other family members in Billings, Montana.
Claire Swinarski is a writer and Wisconsin Badger based out of Milwaukee. She’s written for Vox, Milwaukee Magazine, Northwest Quarterly, Good Housekeeping and many other publications.
Daniel Levine, MJ, is the principal at Levine Media Group and host of The Bio Report and RARECast podcasts. He has served as the San Francisco bureau chief for Adweek and as a reporter for the Oakland Tribune and the San Francisco Business Times. His work has appeared in the New York Times, Narrative, and many other publications.Read articles by Daniel:
David C. Mully
David C. Mully has 26 years of experience in the mortgage industry. He is a former loan officer and writes for newspapers, websites and social media blogs.Read articles by David:
Donna Fuscaldo is a freelance journalist hailing from Long Island, New York. She is a regular contributor to Bankrate.com, Glassdoor.com, SigFig.com and FoxBusiness.com who focuses on personal finance and real estate.Read articles by Donna:
Gina Pogol writes about mortgages and personal finance for several national publications. Pogol is a licensed Nevada mortgage lender with more than 20 years of experience. She loves teaching and empowering consumers.
Holly Johnson is a financial expert and award-winning writer whose obsession with frugality, budgeting and travel plays a central role in her work. Holly writes for well-known publications such as U.S. News and World Report Travel, Personal Capital, and Frugal Travel Guy.
Jason Steele is a journalist who specializes in covering credit cards, award travel and other areas of personal finance. His work has been featured at mainstream outlets such as Yahoo! Finance, MSN Money, and Business Insider.Read articles by Jason:
Jeff Benson is a writer and new father. He learned everything he knows about babies from his wife, who is a certified doula and midwife’s assistant. You can reach Jeff at email@example.com.
A veteran business journalist, Jeff Ostrowski writes about money for the Palm Beach Post in Florida. Ostrowski is proud to say he knows how to use a financial calculator to amortize a mortgage.
Jennifer DeMeritt is a journalist and content specialist based in New York City. Her experience runs the gamut from high-end magazine work to corporate communications.
Jessica Sillers writes about finance, business, travel and parenting for various businesses and publications. She lives with her family in the greater Washington, D.C. area. Learn more about her work at www.dcfreelancewriter.com.
Joanne S. Liu
Joanne S. Liu, a former real estate attorney, writes about history, travel, real estate, financial and legal topics for numerous publications — such as Credit Union Business Magazine, The History Channel and MotorHome Magazine — and has authored several books, including Barbed Wire: The Fence That Changed the West. Learn more about her work at JoanneLiu.com.
Judi Kutner is a mortgage industry veteran with more than 35 years of experience. She is the co-founder of CreativeMindManagement.com and has studied statistics and finance at Boston University.
Judith Horstman is an award-winning journalist who specializes in reporting on science, health and medicine. She has been a Washington correspondent for Gannett, a journalism professor, a Fulbright scholar and a senior editor at Time Inc. She is the author of seven books, including the popular Scientific American Day in the Life of Your Brain series. Her work has been widely published in media from leading newspapers and magazines to universities and websites. A popular public speaker, she is an editorial consultant and offers workshops on writing.
Julie Bohannon is a San Francisco-based freelance writer and editor. She has more than a decade’s worth of experience writing educational, instructional and marketing content for businesses and individuals. Julie has also served as a ghost blogger for various tech startup companies and small businesses.Read articles by Julie:
Kali Hawlk is a writer “passionate about using her skills and knowledge to help others make, do, and create more.” She shares ideas and stories on business, finance, entrepreneurship “and living mindfully and with intention.” She’s been featured as a financial expert for Millennials in many online publications including Forbes, Fast Company, US News and Mashable. You can catch her on KaliHawlk.com, read her latest writing on Medium.com/ @KaliHawlk or connect with her on Twitter @KaliHawlk.Read articles by Kali:
Kate Ashford is a freelance journalist who writes about personal finance, career and consumer trends. She’s a contributing writer for BBC, Forbes and Money, and her work has been published in Family Circle, Health, More, Parents, Real Simple, Redbook, and Women’s Health, among others.Read articles by Kate:
Kelli Bamforth is a freelance writer and editor living in Kansas City. Specializing in financial services and lifestyle topics, she spends her time creating content strategy and social media marketing solutions for brands of all sizes. Email firstname.lastname@example.org.
Lee Nelson of the Chicago area writes for national and regional magazines, websites, and business journals. Nelson has written more than 200 news and feature articles on home loans and property transactions. Her work has recently appeared in Realtor.org, MyMortgageInsider.com, Nurse.org, Yahoo! Homes, and a biweekly blog on Unigo.com.Read articles by Lee:
Liz Alton is an experienced writer specializing in digital marketing, technology, business, and finance. Her work has been published in The Huffington Post, USA Today, and a host of other publications. She holds a BA in journalism and an MBA.Read articles by Liz:
Marcie Geffner is an award-winning reporter, writer, and editor. Geffner’s current projects include stories and articles for real estate and mortgage websites and magazines. She has been writing about home loans and property transactions for more than 20 years.Read articles by Marcie:
Mark P. Cussen
Mark P. Cussen, CFP®, CMFC, AFC, has 20 years of experience in the financial industry, which includes working with investments, insurance, mortgages, taxes and financial planning. He has several years’ experience as a financial author and has written numerous educational articles for various financial websites. He also has worked in retail, discount and bank brokerage systems and is currently working as a financial planner for the U.S. military. Mark has a bachelor of science in English from the University of Kansas and completed his CFP coursework at the Bloch School of Business at the University of Missouri-Kansas City in August 2001.Read articles by Mark:
Mary Purcell is a freelance writer and health and finance researcher in Piedmont, Calif., with expertise in policy analysis. She is fluent in Spanish and has a master’s degree in Latin American studies from Georgetown University. Her articles have appeared on LimeHealth, Narrative, Consumer Health Interactive, and other outlets.Read articles by Mary:
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Michael Galvin is an award-winning author with extensive experience in real estate development, financing, marketing and sales. Galvin worked in real estate development for 20 years, and has written more than 1,200 news and feature articles on home loans and property transactions.
Michele DiGirolamo has worked as a journalist and non-profit communications administrator and now writes about business, health, food and lifestyle topics from Haddonfield, NJ.
Robyn A. Friedman
Robyn A. Friedman is an award-winning freelance writer and copywriter who has been covering the real estate and housing industries for more than two decades. A former real estate attorney, Robyn has published over 1,100 articles in print and online in publications such as The Wall Street Journal, Unique Homes, NewHomeSource.com, Ocean Drive, the New York Post, Realtor.com, Bankrate.com and HotelNewsNow.com.
Sean Bryant is a Denver-based freelance writer specializing in travel, credit cards and personal finance. With nearly 10 years of writing experience his work has appeared in many of the industries top publications. He holds a Bachelor of Arts degree in economics. When not working Sean enjoys spending time with his wife, daughter and dog Charlie and can frequently be found on his bike or snowboard.Read articles by Sean:
Shannon Lee is a freelance writer and occasional novelist. A professional with over 22 years of experience in the writing world, today she focuses on medical and health writing, legal and insurance topics, and higher education.Read articles by Shannon:
Sheree R. Curry
Sheree R. Curry is a multi-award-winning personal finance journalist with more than 20 years of experience reporting for Fortune, the Wall Street Journal, theStreet.com, AOL and many other publications. Curry has written more than 1,000 news and feature articles on home loans, property transactions and related issues. Follow her on Twitter @shereecurryRead articles by Sheree:
Stephanie Faris is a freelance writer whose work has appeared on the Intuit Small Business Blog, Ecommerce Insiders, and many other business sites. She is also a fiction author, including 30 Days of No Gossip, 25 Roses, and the upcoming Piper Morgan series (all from Simon & Schuster).
Stephanie Taylor Christensen
Stephanie Taylor Christensen is a freelance writer with more than a decade of experience in the financial services industry. Her work is frequently syndicated on national media outlets including USAToday, Fast Company, Real Simple, and Forbes.Read articles by Stephanie:
Steve Evans is an award-winning journalist and former managing editor of general media in the Central Virginia Newspaper Group. He has worked as a senior writer for SNL Financial and as a reporter for the Bristol Herald Courier, The Progress and the Richmond-Times Dispatch; he has also served as a magazine and online news editor at the Darden Graduate School of Business at the University of Virginia. His work focuses on business, finance, tech, health and education, and government and public policy.
Zina Kumok is a freelance writer specializing in personal finance. She writes a blog about paying off her student loans in three years. A trained journalist, she has covered everything from murder trials to the Final Four.