Skip to Main Content

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

  • tastytrade

    tastytrade is a newer brokerage that caters to traders, especially options traders looking for attractive commissions. Amazingly, they even offer a low-capped commission on your options trades.

    6 min read Jun 01, 2021
  • M1 Finance

    M1 Finance straddles the line between broker and robo-advisor, between letting you run wild and giving you basic tools and portfolios that can guide you. It’s in a strange limbo, but those who fit the mix of features offered at M1 Finance may find it especially useful and won’t be able to imagine going elsewhere.

    7 min read May 13, 2021
  • Vanguard Digital Advisor

    Digital Advisor gets the job done with a stripped-down service that offers the basics – portfolio management, rebalancing and other planning tools – all at a low price.

    6 min read Mar 22, 2021
  • Schwab Intelligent Portfolios

    You might initially think of broker Charles Schwab only as an option for “do-it-yourself” investors, but the dean of discount offers up a highly competent robo-advisor, too: Schwab Intelligent Portfolios.

    7 min read Mar 22, 2021
  • Ellevest Review 2025

    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.

    9 min read Mar 22, 2021