James Royal

Washington, D.C.

Investing and Wealth Management Reporter at Bankrate

Author of The Zen of Thrift Conversions. Prospecting for special situations (#spinoffs, #thriftconversions) that create advantageous stock mispricing. Bankrate.

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Articles

Certified financial planner (CFP): What they do and how much they cost

1 week ago | miamiherald.com | James Royal |Red Beard Ventures

Key takeawaysThe certified financial planner certification is one of the most highly sought-after designations for financial professionals and can add a lot of value to their careers. The CFP certification requires holders to abide by a fiduciary standard, putting their clients' needs first. A CFP holder must pass an exam, have demonstrated experience, participate in ongoing education and commit to an ethics standard.
Certified financial planner (CFP): What they do and how much they cost

1 week ago | wlos.com | James Royal

Key takeawaysThe certified financial planner certification is one of the most highly sought-after designations for financial professionals and can add a lot of value to their careers. The CFP certification requires holders to abide by a fiduciary standard, putting their clients’ needs first. A CFP holder must pass an exam, have demonstrated experience, participate in ongoing education and commit to an ethics standard.
Certified financial planner (CFP): What they do and how much they cost

1 week ago | turnto10.com | James Royal

Key takeawaysThe certified financial planner certification is one of the most highly sought-after designations for financial professionals and can add a lot of value to their careers. The CFP certification requires holders to abide by a fiduciary standard, putting their clients’ needs first. A CFP holder must pass an exam, have demonstrated experience, participate in ongoing education and commit to an ethics standard.
Certified financial planner (CFP): What they do and how much they cost

1 week ago | news3lv.com | James Royal

Certified financial planner (CFP): What they do and how much they costby James Royal, Ph.D.Tue, April 15th 2025 at 3:02 PMImages by GettyImages; illustration by Hunter Newton/Bankrate
5 types of financial advisors: Which one is right for you?

1 week ago | wmbfnews.com | James Royal

A financial advisor is a general term that has come to encompass a person who provides guidance on financial topics. That definition allows virtually anyone who offers financial help to call themselves an advisor. But the different types of financial advisors can vary dramatically, and those looking for guidance should understand the kinds of service that various advisors may offer.
Top Fixes For Social Security: How You Can Get Your Benefits And Protect Yourself

1 week ago | bankrate.com | James Royal |Erin Kennedy

The Social Security system will begin to run out of money to pay full benefits in 2033, and it’s estimated that, if no fix is made, benefits would need to be cut by about 20 percent to match the annual inflows into the plan. With no clear plan in place and Washington full of gridlock, the cost of a solution continues to rise over time — helping those who want to cut Social Security benefits. But the situation is not hopeless, if the political will can be created to fix Social Security.
How to invest in alternative investments: Here’s how a financial advisor can help you

1 week ago | thestate.com | James Royal

Financial advisors can provide a lot of value to their clients, and they can also offer access to investments that might not be easily accessible, if at all, otherwise. While many investors stick to publicly traded stocks and bonds, others turn to alternative assets that may offer strong returns. "Alternative assets have gained popularity in recent years due to their potential for high returns and diversification benefits, especially in times of market volatility," says David M.
Best ways to protect your wealth: 9 strategies to safeguard your nest egg

2 weeks ago | miamiherald.com | James Royal |Red Beard Ventures

If you're looking to protect your wealth, it's important to remember that the best strategies for safeguarding your nest egg are often different from those for growing your wealth. Preserving your wealth is much more about reducing risk than it is about amping your potential gains. Here are nine strategies for protecting your wealth and how they work.
Intel-Taiwan Semi joint venture: Intel stock is up, but why, asks analyst

2 weeks ago | star-telegram.com | James Royal

Intel (INTC) and Taiwan Semiconductor (TSM) have agreed to a joint venture, according to reports. The two chip giants will form a joint venture in the U.S. that will leverage Intel's American foundry and Taiwan Semi's expertise to produce advanced chips. For its contribution, Taiwan Semi would take a 20 percent stake in the venture and also train Intel employees as part of the tie-up.
Intel stock is up, but why, asks analyst

2 weeks ago | fox28savannah.com | James Royal