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James Royal, Ph.D.

Principal writer, Investing and wealth management
Ribbon Icon EXPERTISE
  • Investing
  • Wealth management
  • Behavioral finance
  • Stock analysis
Education Icon EDUCATION
  • Bachelor of Science in management, University of Florida
  • Master of Arts in English, University of Florida
  • Doctorate in English, University of Florida

 
About the author
Bankrate principal writer and editor James F. Royal, Ph.D. covers investing and wealth management. His work has been cited across major media, including CNBC, the Washington Post, The New York Times and the Associated Press. Royal believes in the power of education to help individuals make smart financial decisions that can positively and significantly improve their lives.
Experience
James is the author of The Zen of Thrift Conversions. He’s a veteran writer and stock analyst with a history of working in the financial-services industry, including at the Motley Fool and Bankrate.
Education
Royal has a bachelor’s degree in management as well as master’s and doctoral degrees in English earned at the University of Florida.
Media mentions

CNBC
Yahoo Finance
Reuters
Cheddar TV
Forbes
Barron’s

Our goal is to get wiser every day and avoid the mistakes of the past.

— James Royal, Ph.D.

James's latest articles

  • Ellevest

    Founded by Wall Street veteran Sallie Krawcheck, Ellevest makes its pitch to women with planning that addresses their specific financial needs. But don’t overlook Ellevest just because you may not identify as a woman.

    7 min read Mar 22, 2021
  • Wealthfront

    Wealthfront ranks among the best robo-advisors, offering sophisticated portfolio management, a top cash management account and some of the most useful planning tools. Wealthfront scores big in all major areas – then somehow does it all at low cost, too.

    9 min read Mar 22, 2021
  • Betterment

    Betterment is one of the largest independent robo-advisors, and its wealth of features shows why. It offers two service plans, one with all the core functions (investing and cash management, rebalancing, tax-loss harvesting) and one that takes it up a level with unlimited access to human advisors.

    10 min read Mar 22, 2021
  • Webull

    While Webull may not receive the fanfare of Robinhood for no-fee trading apps, the broker is at least as capable and may even make a better mobile or web-based trader than its popular rival.

    7 min read Jan 25, 2021
  • A picture of the New York Stock Exchange with an American flag draped on it

    7 hot IPOs to watch for in 2021

    Low interest rates and robust investor appetite for risk make it a good time for companies to market themselves.

    6 min read Jan 20, 2021