Contributors
Recognizing those who have contributed their expertise for the benefit of the Boglehead community
Mr. Money Mustache is the website and pseudonym of Peter Adeney.. Adeney retired from his job as a software engineer in 2005 at age 30 by spending only a small percentage of his annual salary and consistently investing the remainder, primarily in stock market index finds. Peter contends that most individuals can and should spend less money and own fewer physical possessions. He argues that by doing this, they can live with increased financial freedom and happiness.
He has described the typical middle-class lifestyle as "an exploding volcano of wastefulness," particularly citing the overuse of and overspending on new cars as an example. The blog has been featured and cited in various media outlets including Market Watch , CBS News and The New Yorker., as well as others. Adeney was featured in the 2022 Netflix documentary Get Smart with Money .
Contributions:
Dana Anspach is the founder and CEO of Sensible Money, LLC, a financial planning firm specializing in retirement income planning. In 2022, Sensible Money ranked on the Inc. 5000 list of fastest-growing privately owned companies in the U.S.
She is the author of How to Plan for the Perfect Retirement, a lecture series on The Great Courses, and Control Your Retirement Destiny, available on Amazon. Her 2022 paper, Demonstrating Gamma with the Household Balance Sheet, won the Investments and Wealth Institute writing award. For her continuing contributions to financial literacy, Investopedia named her three times to the country's Top 100 Financial Advisors.
Practicing since 1995, Dana is a Certified Financial Planner, Retirement Management Advisor, and a Kolbe Certified Consultant.
Contributions:
Dan Ariely is a James B. Duke Professor of Psychology and Behavioral Economics at Duke University, with appointments in the Fuqua School of Business, the Center for Cognitive Neuroscience, the School of Medicine and the department of Economics. He is also the founder of the Center for Advanced Hindsight. He has a BA in psychology from Tel Aviv University, an MA and PhD in cognitive psychology from the University of North Carolina, and a PhD in business administration from Duke University. After graduating from Duke in 1998, he took a position at MIT, where he was the Alfred P. Sloan Professor of Behavioral Economics. He was also a member at the Institute for Advanced Studies at Princeton during a 2 year break from MIT.
Over the years Dan has published his research in psychology, economics, medical, and business academic journals, and has written four general audience books about his research - Predictably Irrational, The Upside of Irrationality, The Honest Truth about Dishonesty, and Payoff.
Contributions:
Hozef Arif is a Senior Portfolio Manager for fixed income strategies at Avantis Investors®. Hozef joined Avantis Investors in 2020. Prior to Avantis Investors, he was an executive vice president and credit portfolio manager at Pacific Investment Management Company (PIMCO) for twelve years. While at PIMCO, he managed a variety of strategies in global high yield credit funds. Prior to that, he worked as a leveraged finance investment banker at Credit Suisse.
Hozef holds an undergraduate degree from the Indian Institute of Technology in Mumbai, an MBA from the University of Chicago Graduate School of Business, and a masters degree in petroleum engineering from Stanford University.
Contributions:
Theodore (Ted) Aronson is the Founder of Aronson, Johnson, and Ortiz (AJO), an institutional investment advisor with $20 billion under management.
He has an B.S. and M.B.A, The Wharton School of Business, University of Pennsylvania, and is on the Spelman College Board of Trustees. Ted joined Drexel Burnham Lambert in 1974 while still a graduate student where he was a member of the Quantitative Equities Group, which provided innovative practical applications of modern portfolio theory and quantitative portfolio management.
Contributions:
Dr. Cliff Asness is a Founder, Managing Principal, and Chief Investment Officer at AQR Capital Management, a quantitative money manager overseeing $186 billion in assets as of December 2019. Prior to co-founding AQR Capital Management, he was a Managing Director and Director of Quantitative Research for the Asset Management Division of Goldman, Sachs & Co. He is an award-winning researcher on quantitative investment strategies and has authored articles for many publications, including The Journal of Portfolio Management, Financial Analysts Journal, The Journal of Finance, and The Journal of Financial Economics.
Cliff received a B.S. in economics from the Wharton School and a B.S. in engineering from the Moore School of Electrical Engineering at the University of Pennsylvania, graduating summa cum laude in both. He received an M.B.A. with high honors and a Ph.D. in finance from the University of Chicago, where he was Eugene Fama's student and teaching assistant for two years.
Contributions:
Eric Balchunas is the Senior ETF Analyst, Bloomberg Intelligence. In this role, he writes research, articles and feature stories about ETFs for the Bloomberg terminal and Bloomberg.com. He also appears in a weekly on-air segment for Bloomberg TV and Radio called "Exchange-Traded Friday" in which he discusses different ETFs and the way investors can utilize them.
He is author of the book The Institutional ETF Toolbox, which was published by Wiley. The book is at once a primer on ETFs that both novices and professionals can understand as well as a guide to doing proper due diligence on the fast-growing world of ETFs.
Contributions:
Brad Barrett is the host of the top 50 business podcast ChooseFI, and a certified public accountant. He has a passion for financial independence and helping people take action to make their lives richer in every way: wealth, health, connections and ultimately happiness. Brad achieved Financial Independence at 35 and lives in Richmond, Virginia with his wife and 2 daughters.
Brad received his BS in Accounting at the University of Richmond - Robins School of Business.
Contributions:
Ryan Barret is a member of both the State Bar of California and Utah State Bar. Ryan is an estate planning attorney who began his legal career in southern California ten years ago after obtaining a Juris Doctor as well as a Master of Business Administration from a concurrent program at Pepperdine Law and Pepperdine Graziadio Business School.
Contributions:
Josh Barrickman, CFA, is a principal, senior portfolio manager, and head of Fixed Income Indexing Americas. He and his team manage bond index fund portfolios invested in U.S. and international bond markets (including government, mortgage-backed, and corporate securities). The team also manages several bond index ETFs.
Mr. Barrickman, who joined Vanguard in 1998, has more than 15years of fixed income experience. He is a CFA® charterholder and earned a B.S. at Ohio Northern University and an M.B.A.at Lehigh University.
Contributions:
Meg Bartelt is the founder of Flow Financial Planning, a virtual, fee-only financial planning firm, in 2016 to help women in tech cultivate financial and professional strength. Flow is a Registered Investment Advisor in the states of Washington, California, and New York, and serves clients everywhere.
Meg received her B.A. in economics from Wellesley College. She received an M.S in financial planning from Golden Gate University
Contributions:
William P. Bengen received a B.S. from M.I.T. in Aeronautics & Astronautics and a M.S. from the College for Financial Planning. He has had four careers: trained as an aerospace engineer, CEO of his family’s soft drink bottling business (NY), fee-only financial planning practitioner (CA), and currently a financial researcher and aspiring novelist (AZ). He is a former CFP ® licensee. In the early 1990’s, in response to client questions, Mr. Bengen began research on the sustainability of withdrawals from stock and bond portfolios, which gave rise to the so-called “4% Rule.” He is frequently quoted in major financial publications, and appears regularly on financial industry podcasts. In 2014 he received NAPFA’s Robert J. Underwood Distinguished Service Award and in 2017 the InvestmentNews Innovators Award. He currently lives in SaddleBrooke, AZ, where he is working on a new book about the “4% Rule.”
Contributions:
Christine Benz is director of personal finance and retirement planning for Morningstar and senior columnist for Morningstar.com. In that role, she focuses on retirement and portfolio planning for individual investors. She also co-hosts a podcast for Morningstar, The Long View, which features in-depth interviews with thought leaders in investing and personal finance. She is a frequent public speaker and is widely quoted in the media, including The New York Times, The Wall Street Journal, Barron’s, CNBC, and PBS. In 2020, Barron’s named her to its inaugural list of the 100 most influential women in finance; she appeared on the 2021 list as well. In 2021, Barron’s named her as one of the 10 most influential women in wealth management.
Benz is author of 30-Minute Money Solutions: A Step-by-Step Guide to Managing Your Finances (Wiley, 2010). She is also co-author of Morningstar® Guide to Mutual Funds: 5-Star Strategies for Success, a national bestseller published in 2003, and author of the book’s second edition, which was published in 2005. Before assuming her current role in 2008, she served as Morningstar's director of mutual fund analysis and was editor of Morningstar Mutual Funds and Morningstar FundInvestor.
Benz holds a bachelor’s degree in political science and Russian/East European studies from the University of Illinois at Urbana-Champaign. She is a board member of the John C. Bogle Center for Financial Literacy. Benz is also a member of The Alpha Group, a group of thought leaders from the wealth management industry from across the country. In her free time, she works with underprivileged women to improve their understanding of personal finance concepts.
Contributions:
2024 Conference: Organizer, Speaker
2023 Conference: Organizer, Speaker
2022 Conference: Organizer, Keynote, Speaker, Moderator and Panelist
Bogleheads Live Episode 5 with Christine Benz - Aug 6. 2022
Bogleheads Chapter Series: What if this is a terrible time to retire - Jan 22, 2022
Bogleheads Chapter Series: Investing and Planning Wisely - Oct 5, 2021
Bogleheads Chapter Series: Six Retirement Blind Spots - Aug 25. 2021
Bogleheads Speaker Series with the Panel of Experts - Feb 19, 2021
Bogleheads on Investing Episode 4 with Christine Benz - Dec 30, 2018
Rob Berger has been writing about investing and retirement since 2007, After spending 25 years as a securities litigator in Washington DC, he retired in 2016 to continue his research and writing on retirement. Since then he published his first book, Retire Before Mom and Dad, launched a YouTube channel, and continues writing about investing and retirement at RobBerger.com.
Contributions:
William J. Bernstein is a neurologist, co-founder of Efficient Frontier Advisors, an investment management firm, and has written several titles on finance and economic history. He has contributed to the peer-reviewed finance literature and has written for several national publications, including Money Magazine and The Wall Street Journal. He has produced several finance titles such as The Intelligent Asset Allocator and The Four Pillars of Investing, and also four volumes of history, The Birth of Plenty, A Splendid Exchange, Masters of the Word, and The Delusions of Crowds, about, respectively, the economic growth inflection of the early 19th century, the history of world trade, the effects of access to technology on human relations and politics, and the history and psychology of mass manias. He was also the 2017 winner of the James R. Vertin Award from CFA Institute.
Contributions:
2024 Conference: Guest Speaker
2023 Conference: Guest Speaker
2022 Conference: Fireside Chat Guest and Panelist
Bogleheads Live with Dr. William Bernstein - Jun. 2022
Bogleheads Speaker Series with Bill Bernstein - Apr. 2021
Bogleheads Speaker Series with the Panel of Experts - Feb 19, 2021
Bogleheads on Investing Podcast - Episode 13 - September 30, 2019
Carola Binder is an associate professor of economics at the University of Texas at Austin and a fellow at the Hutchins Center on Fiscal and Monetary Policy. She is also a research associate of the National Bureau of Economics Research in the Monetary Economics group. Carola holds a Ph.D. from the University of California, Berkeley.
Carola’s work focuses on inflation, inflation expectations, monetary policy, and economic history. She is the author of Shock Values: Prices and Inflation in American Democracy, a book on the history of inflation and price stabilization in the United States. She has also published research in several economic journals and is an associate editor for the Review of Economics and Statistics and the Journal of Money, Credit, and Banking.
Contributions:
David Blanchett, Ph.D., CFA, CFP®, is the Managing Director, Head of Retirement Research, PGIM DC Solutions. Prior to gaining this position, David was the head of retirement research for Morningstar’s Investment Management group.
Contributions:
Dr. David Blitzer, Managing Director and Chairman of the Index Committee at S&P Dow Jones Indices (S&P DJI) with overall responsibility for index security selection, as well as index analysis and management.
Contributions:
Andrew Bogle is a son of John Bogle. He is a Managing Director at Reva Capital in New York, NY where he connects people seeking capital with those seeking investment deals. In addition, he talks with early-stage startup founders to learn their biggest and nearest term hurdles and goals. He provides advice and introductions to people who can assist the startup. He is not paid for his introductions nor advice but has been asked and joined as an advisor for a few and does a tiny bit of angel investing.
His career has been eclectic since graduation from Connecticut College in 1994 with a B.A. in Economics. He worked in operations at Brown Brothers Harriman (Boston) and did sales at a small company (Washington D.C.) selling financial information (low-end Bloomberg, FactSet) before attaining his M.B.A. at Vanderbilt University in 2004. He joined Morgan Stanley's Private Wealth Management Group (NYC) for 16 months then went to work for Robin Hood Foundation (NYC).
He serves on the Board of Trustees at Kent School where he serves on five committees. He also sits on the Board of a family foundation. He has served on Board of Directors of GO Project (non-profit in NYC) as well as the Alumni Board of the Owen Graduate School of Management at Vanderbilt University.
Contributions:
Lauren Boland is the developer of cFIREsim. She is an experienced developer with a demonstrated history of working in the information technology and services industry. Skilled in Python, Django, Linux System Administration, Test Planning, HTML, and Software Testing Life Cycle (STLC). Strong engineering professional with a Masters of Science focused in Systems Engineering from The George Washington University.
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Nicole Boyson's research and teaching interests fall in the area of investments and corporate finance, with a focus on regulatory arbitrage, hedge fund management, and hedge fund activism.
Prior to joining the DMSB faculty in 2004, Professor Boyson was an Assistant Professor at Purdue University. Prior to joining Purdue, Professor Boyson was a manager for Ernst & Young, the VP of Investments for Pension Consulting Services, an analyst for Third Federal Savings and Loan, and a senior accountant at KPMG Peat Marwick.
A Certified Public Accountant, Professor Boyson serves on the Editorial Board of the Financial Analysts Journal, has served on the board of the Midwest Finance Association, has been a member of numerous program committees of professional organizations, and acts as an ad-hoc referee for journals including The Journal of Finance, Review of Financial Studies, Journal of Financial Economics, and The Journal of Financial and Quantitative Analysis.
Contributions:
Lisa Bragança, JD, MBA, is a former Branch Chief in the Division of Enforcement of the Chicago Office of the Securities & Exchange Commission. She handled investigations of accounting fraud, Ponzi schemes, insider trading, churning, and unsuitable investments. Today, Lisa is now in private practice at Bragança Law.
Throughout her career, Lisa has been an advocate for the rights of people with physical, cognitive, and psychiatric disabilities. She previously served as counsel in three statewide class actions seeking to compel the State of Illinois to comply with the Americans with Disabilities Act. She also regularly speaks about elder financial exploitation, securities regulation, recovering investment losses, and cryptocurrency.
Contributions:
Maria Bruno is the head of U.S. Wealth Planning Research at Vanguard, leading a team responsible for conducting research and analysis on a wide range of retirement, wealth planning, and portfolio construction topics. In this role, she also contributes to the oversight of the investment philosophy, methodology, and wealth management strategies supporting Vanguard's advisory products and services.
Ms. Bruno has served in a variety of advice-related and leadership roles, including as a practitioner in Vanguard Personal Financial Planning and Advice Services departments, where she created comprehensive financial plans, managed a team of financial planners, and developed Vanguard's advice programs and educational materials. She has more than 25 years of experience in the financial services industry and is widely quoted in the news media on financial planning subjects, regularly blogs on Vanguard's website, and participates in webcasts and podcasts. Ms. Bruno earned a B.S.B.A. from Villanova University and holds the Certified Financial Planner certification.
Randy Bruns is the founder of Model Wealth and a Senior Financial Planner with the firm. He is a past President of the Financial Planning Association of Illinois (FPA-Illinois), has been a guest lecturer for the University of Illinois’ financial planning program, and is an outspoken proponent in favor of a higher fiduciary standard for the financial services industry.
In 2018, Randy was recognized by InvestmentNews as part of its prestigious “40 Under 40” class of honorees doing remarkable things in the field of financial planning. A year later he’d be recognized by Morningstar Magazine for providing complimentary financial advice to underserved communities while helping reshape the financial planning profession.
Randy designed Model Wealth to give consumers a more pure and transparent financial planning experience than the sales-focused environment typical of Wall Street. His team specializes in hourly-based advice and, when appropriate, packages it with ongoing investment management for a flat annual fee.
Contributions:
Broc Buckles is the co-founder of BC Brokerage and the co-host of the Only Fee Only Podcast. Broc has a certified license in life and health insurance from the state of Indiana.
Broc received his B.S. in Communication from Ball State University.
Contributions:
Scott Burns is the pen name for Robert Burns. As a syndicated newspaper columnist and author he has covered personal finance, investments and economics for over 40 years. He is best known for creating the “Couch Potato Portfolio” investment strategy, which advocates the use of index funds over managed funds or stock picking.[1] In 2006, he retired from the Dallas Morning News to co-found the Web startup AssetBuilder. The registered investment advisor firm now has over 1,200 clients in 43 states and manages $800 million in assets. He retired from the firm and syndication in early 2017. After a year of retirement, he created this website, his latest effort to bring financial confidence and success to as many people as possible.
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Edward Chancellor is a financial historian, journalist, and investment strategist. Ed graduated with first-class honors from Trinity College, Cambridge, and later from Oxford University. He worked for the London merchant bank, Lazard Brothers, and was later an editor at the financial commentary site, Breakingviews of Reuters. Ed was also a senior member of the asset allocation team at GMO, the Boston-based investment firm.
In 2022, Fortune called Ed "one of the greatest financial historians alive". He is noted for his prescient warnings of the last three major economic bubbles in his published works: Devil Take the Hindmost: A History of Financial Speculation (1999), Crunch-Time for Credit? (2005) and The Price of Time: The Real Story of Interest (2022).
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Jamie Catherwood is a financial historian and the publisher of the website Investor Amnesia. He received a history degree from King's College London in 2017 before joining O'Shaughnessy Asset Management, a quantitative investment firm based out of Stamford, Connecticut. Jamie quickly built his reputation as an expert on the history of money and finance after starting a popular weekly blog that links current market activity and investor behavior to similar events and investor behaviors throughout the centuries.
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Steve is the founder and CEO of of NewRetirement. The company has helped millions of people find ways to improve their finances and life through a financial planning platform that provides DIY software, articles, podcasts, classes, coaches and access to Certified Financial Planners on at a low flat fee.
Steve has founded companies in education, consulting and financial services that have raised tens of millions in venture capital and been valued at hundreds of millions of dollars. He is a product of a middle class upbringing and is thankful for his family, education and the amazing people that he's met in his life.
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Jonathan Clements is the founder and editor of HumbleDollar. During Jonathan's long career as a financial writer he has worked for Euromoney, Forbes, and The Wall Street Journal. He is also the author of eight personal finance books, his latest being From Here to Financial Happiness.
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JL (Jim) Collins is the author of “The Simple Path To Wealth: Your Road to Financial Independence and a Rich, Free Life”, and a proponent of the FIRE movement which stands for “Financial Independence, Retire Early”. He’s also a popular American financial blogger at JLCollinsnh.com.
Collins takes a refreshingly simple approach to long-term investments that can easily be replicated by individual investors. As a follower of Vanguard’s founder John Bogle and the Oracle of Omaha’s Warren Buffett, Collins is a proponent of broad-based index funds (such as Vanguard) due to their low expense fees and ability to closely track the stock market index.
His blog originally started as a series of letters to his daughter and family members to help them learn from his investing and personal finance mistakes. This later turned into a business when he monetized his blog and published his book in 2016.Contributions:
Paulo Costa is a Behavioral Economist and Investment Strategist on the Investor Behavior team within the Vanguard Investment Strategy Group. Dr. Costa’s current research examines how much investors value financial advice, the safe withdrawal rate for F.I.R.E. (Financial Independence Retire Early) investors, and investors’ financial well-being.
Prior to joining Vanguard, his research focused on quantitative equity strategies and how the framing of financial information affects investor behavior. Paulo holds a B.A. in Economics from Yale University and a M.A. and Ph.D. in Economics from Harvard University.
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Gail Cox is a flight attendant for American Airlines. She has served capably for many years on the Bogleheads Conference organizing committee.
Gail Cox is a flight attendant for American Airlines. She has served capably for many years on the Bogleheads Conference organizing committee.
Contributions:
Former Bogle Center Board member
Dr. Daniel Crosby is a psychologist and behavioral finance expert who helps organizations and individuals understand the intersection of mind and markets. He was named one of the “12 Thinkers to Watch” by Monster.com, a “Financial Blogger You Should Be Reading” by AARP, and a member of InvestmentNews prestigious "40 Under 40".
Dr. Crosby was educated at Brigham Young and Emory Universities and is the author of several books on behavioral finance. His first book, Personal Benchmark: Integrating Behavioral Finance and Investment Management, was a New York Times bestseller. His second book, The Laws of Wealth, was named the best investment book of 2017 by the Axiom Business Book Awards. His latest work, The Behavioral Investor, is an in-depth look at how sociology, psychology and neurology all impact investment decision-making.
Contributions:
James M. Dahle, M.D., FACEP, is a full-time emergency room doctor, entrepreneur, writer, speaker, father, and is an inspiration to thousands of young doctors, dentists, lawyers, and other professionals who are seeking straight answers to personal finance questions. He started The White Coat Investor in 2011 to help those in the medical profession became the wealthy doctors that people think they are, and it has grown into the most widely-read physician-specific personal finance and investing website in the world.
Jim published The White Coat Investor, A Doctor's Guide to Personal Finance and Investing in 2014, and more recently published The White Coat Investor's Financial Boot Camp: A 12-Step High-Yield Guide to Bring Your Finances Up to Speed.
Contributions:
Leif Dahleen has been a Boglehead reader and occasional poster for the last decade. With the knowledge gained from the forum, wiki, and a handful of blogs, he figured out that he could afford to retire quite early from his career as an anesthesiologist, which he did in 2019 at the age of 43.
In the meantime, he started a website of his own, Physician on FIRE, to help reach others like him and preach on all topics related to financial independence. He has since passed the torch to other enterprising physicians, having sold the business in 2023. He resides in northern Michigan with his wife and two teenage boys, and he's happy to return to his home state of Minnesota for this conference, his 30th high school reunion, a couple of Golden Gopher football games, and a running of the Twin Cities Marahon.
Contributions:
Karen Damato is the content manager at a major law firm in New York, after a long career as a personal finance journalist. She was an assistant managing editor of Time Inc.'s Money brand and, before that, spent more than 30 years as a writer and editor at The Wall Street Journal. Her roles at the Journal included "Ask Encore" columnist, news editor overseeing the monthly Investing in Funds & ETFs reports, and Wealth Editor. She has attended several Bogleheads conferences, starting with Diehards IV in Denver in 2004.
Contributions:
Michelle Dash is the Director of Consumer Product and Services at NewRetirement, where she manages strategic partnerships, services, support, education, and the Virtual Financial Advisor product to help people prepare for financial independence and make smarter choices for retirement.
Michelle received her B.A from the University of Michigan and her Masters of Science from DePaul University.
Contributions:
Joseph Davis, Ph.D., a Vanguard principal, is the global chief economist and global head of Vanguard Investment Strategy Group, whose research and client-facing team develops asset allocation strategies and conducts research on the capital markets, the global economy, portfolio construction, and related investment topics. Mr. Davis also chairs the firm's Strategic Asset Allocation Committee for multi-asset-class investment solutions.
As Vanguard's chief economist, Mr. Davis is a member of the senior portfolio management team for Vanguard Fixed Income Group. He is a frequent keynote speaker, has published white papers in leading academic and practitioner journals, and helped develop Vanguard Capital Markets Model® and the firm's annual economic and capital markets outlook. Mr. Davis earned his B.A. from Saint Joseph's University and his M.A. and Ph.D. in economics at Duke University.
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Phil DeMuth is an investment advisor. He was valedictorian of his class at the University of California at Santa Barbara in 1972, and then went on for his master's in communication and Ph.D. in clinical psychology.
Phil is the author of nine books on investing, most co-authored with his friend, economist Ben Stein, and some of which have been New York Times bestsellers. His latest book is The Overtaxed Investor: Slash Your Tax Bill & Be a Tax Alpha Dog.
A psychologist and investment advisor, Phil has written for the Wall Street Journal, Barron's, Forbes, the Journal of Financial Planning, Human Behavior and Psychology Today.
His opinions have been quoted in the New York Times, the Financial Times, Yahoo! Finance, On Wall Street, Fortune, Research Magazine, Investor's Business Daily, Motley Fool, theStreet.com, and Playboy. He has been seen on various TV shows, including Consuelo Mack WealthTrack, CNBC's Worldwide Exchange, On the Money, Squawk Box and Closing Bell, as well as Fox & Friends, and Wall Street Week..
For his day job, Phil runs Conservative Wealth Management LLC.
Contributions:
Joel M. Dickson, Ph.D., is Principal and Global Head of Advice Methodology. He oversees all investment methodology development for Vanguard’s advice programs whose end consumers are individual investors. He chairs Vanguard's Advice Policy Committee and is a member of Vanguard's Strategic Asset Allocation Committee.
Since joining Vanguard in 1996, Mr. Dickson has held a number of senior investment- related roles, most recently leading the Investment Research and Development function focused on identifying next-generation investment solutions. He also led Vanguard’s ETF industry thought leadership research team within Vanguard Investment Strategy Group, analyzing trends and developments in the exchange-traded fund (ETF) market. Prior to those roles, Mr. Dickson served as the head of the Active Quantitative Equity Group with oversight responsibility for all research and portfolio management activities associated with Vanguard’s internally managed active equity portfolios.
Before joining Vanguard, Mr. Dickson worked as a staff economist at the Federal Reserve Board. He has testified before U.S. Congressional committees on Social Security reform and mutual fund disclosure issues, and he is often quoted in the press regarding the role taxes play in portfolio management and asset allocation decisions.
Mr. Dickson earned an A.B. from Washington University in St. Louis and a Ph.D. in economics from Stanford University.
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Laura Dogu is an author, diplomat and former United States Ambassador to Nicaragua.
Contributions:
Former Bogle Center Board member
Annie Duke an American former professional poker player and author in cognitive-behavioral decision science and decision education. Annie has authored two books on decision-making, Thinking in Bets: Making Smarter Decisions When You Don't Have All the Facts, and How to Decide: Simple Tools for Making Better Choices.
Annie received her B.A. in English and Psychology from Columbia University, and received an M.A. in Cognitive Psychology at the University of Pennsylvania.
Contributions:
Susan Dziubinski is Director of Content at Morningstar. She began her Morningstar career in 1991 as an analyst for Morningstar Mutual Funds. As a senior product manager of content, Ms. Dziubinski helped launch the Morningstar Rating for Stocks and led several businesses, including Morningstar Mutual Funds, Morningstar's book business, and Morningstar's suite of stock and fund newsletters. In her current role, she focuses on making research from across Morningstar accessible to individual investors. She also writes Morningstar.com's Our Picks column.
Contributions:
Daniel P. Egan is the Director of Behavioral Finance and Investing at Betterment and a leader in the field of improving personal decision making by understanding how psychology interacts with design, money, investing and spending. His research is reshaping how people interact with technology to make themselves better money managers. Dan holds an MSc in Decision Science from London School of Economics and a BA (Distinction) in Economics from Boston University.
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Charles Ellis is an American investment consultant. In 1972, Ellis founded Greenwich Associates, an international strategy consulting firm focused on financial institutions. The author of 18 books, Ellis is known for his philosophy of passive investing through index funds, as detailed in his book, Winning the Loser's Game.
His new book, Inside Vanguard. was published on October 25, 2022.
Ellis received a B.A. in Art History from Yale University. He received a Phd. in Economics from New York University.
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Robert Farrington is America's Millennial Money Expert® and America's Student Loan Debt Expert™, and the founder of The College Investor, a personal finance site dedicated to helping millennials escape student loan debt to start investing and building wealth for the future.
Robert received his B.A. in Political Science at the University of California, San Diego, and received an M.B.A in Entrepreneuriarial Studies at the University of California, San Diego - Rady School of Management.
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Rick has worked in the investment industry for about 35 years and has embraced a low-fee Bogleheads philosophy for more than 25 years. He is the founder and CEO of Ferri Investment Solutions where he advises do-it-yourself individuals for fix-rate and hourly fees. Rick started his career in 1989 as a Wall Street broker, and 1999, founded one of the nation’s first low-fee portfolio management companies where he grew assets to over $1.5 billion. In 2017, the firm was purchased by a private equity investor.
Rick has published extensively on the benefits of low-cost investing, including several books on index funds, ETFs, and asset allocation. He has also written for Forbes and The Wall Street Journal and is the creator and host of the “Bogleheads On Investing” podcast, a program sponsored by the John C. Bogle Center for Financial Literacy, a 501(C)3 organization.
Rick graduated from the University of Rhode Island with a Bachelor of Science Degree in Business Administration and from Walsh College with a Master of Science Degree in Finance. He became a CFA charterholder in 1994. Rick is also a retired Marine Corps officer, and flew jet fighters off aircraft carriers.
Contributions:
2024 Conference: Guest Speaker
2023 Conference: Guest Speaker
Rick Ferri served as president of the Bogle Center from 2019 through 2022.
Host of Bogleheads on Investing Podcast
Steven Fox, CFP®, EA is the founder of Next Gen Financial Planning, a Registered Investment Advisor in the state of California providing comprehensive fee-only financial planning services for young professionals who want to learn how to use money as a tool to balance today’s pressing needs with tomorrow’s dreams.
Prior to starting Next Gen Financial Planning, Steven served over 8 years on active duty in the United States Marine Corps. After separating with an honorable discharge, he attended San Diego State University where he graduated with honors while earning a bachelors degree in financial services, a certificate in personal financial planning, and a minor in entrepreneurship. He has also held positions with several other financial planning firms.
Contributions:
Mary Beth Franklin is one of the country’s leading experts on Social Security and Medicare. An award-winning journalist and Certified Financial Planner, Mary Beth writes a weekly column on retirement issues for Investment News, a publication for financial advisers. She is also author of the ebook, Maximizing Social Security Retirement Benefits (www.MaximingSocialSecurityBenefits.com )
Mary Beth’s column was recognized by Editor and Publisher with an EPPY award for best business blog of 2021. In 2016, the Women’s Institute for a Secure Retirement honored Mary Beth with a Hero Award for her efforts to improve retirement security for women. She is also serves on the CFP Board’s Women’s Initiative Council, which focuses on improving gender and racial diversity in the financial services profession.
Contributions:
Christine Franquin is a principal and senior portfolio manager in the Vanguard Equity Index Group.
Christine manages several equity and balanced funds, including funds for U.S. and international investors as well as indexed separate accounts
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Debbie is the Managing Partner & Founder of ETFGI, the world’s leading independent research company. ETFGI has become the dominant independent research and consulting provider providing insights on the entire global industry of ETFs and ETPs listed globally as well as the service providers.
Contributions:
Brandon Ganch, is better known as blogger, The Mad Fientist. Brandon describes his efforts as, "By analyzing the tax code and looking at personal finance through the lens of early financial independence, I develop advanced strategies, spreadsheets, and software tools to help you retire even earlier."
Brandon received his B.S. degree in computer science at the University of North Carolina at Chapel Hill, and received his Masters Degree from Dartmouth.
Brandon currently resides in Scotland.
Contributions:
Ann Garcia is a fee-only fiduciary advisor and go-to expert on paying for college. She is the author of the critically-acclaimed "How to Pay for College" and a sought-after media guest who's been quoted in the New York Times, the Oregonian, and U.S. News and World Report, to name a few. Ann recently launched an interactive online course to help parents (and their advisors) affordably build saving for college and applying for aid into their broader financial plan. As a parent whose twins just graduated from college, Ann's expertise expands beyond FAFSAs and 529s — she understands the emotional components of helping your child set and achieve goals for their future. Outside of financial planning, Ann is an avid runner, skier and fan of middle school rock concerts.
Contributions:
Cody Garrett, CFP, is the founder of Measure Twice Financial, a fee-only, advice only financial planning service, based in Houston, Texas.
Garrett has written articles appearing in Forbes, Barron’s, Yahoo Finance, FOX Business, MarketWatch, Morningstar, Business Insider, Morning Brew, and CNBC.
Cody is an alumnus of The University of Houston and completed the CFP certification program at Rice University.
Contributions:
Sheryl Garrett, CFP, is the founder of the Garrett Planning Network, a nationwide network of more than 300 hourly based financial advisors whose mission is to help make competent, objective financial advice accessible to all people.
Garrett is frequently quoted in media and a recipient of numerous awards and recognition for her contributions in the field of financial advice. She's written, co-authored or served as a series editor on more than a dozen books and has been very involved in financial education and awareness and investor protection.
Contributions:
Diane Gaswirth is the Sales Director at United Healthcare. In her role at United Healthcare Diane attempts to simplify Medicare and help consumers get the health care they deserve. Responsible for Medicare membership health plan acquisition, retention and business development, she provides options for business professionals and their clients, community organizations, employers and individuals, alike.
Diane studied music theory and composition at Gettysburg College and received a Bachelor of Arts in psychology at UC San Diego and a Masters of Science in Health Services Administration at California State University at Northridge.
Contributions:
Based in New York, Nick manages the global fixed income index product team at Bloomberg. The main responsibilities of his team include: new product development and research, ETF pipeline and senior relationship management, consulting with clients on development of custom index products, marketing/support of the entire suite of fixed income indices, implementation of robust governance structure and process. Nick has been with the index business since 1992 at Lehman Brothers and subsequently at Barclays since 2008.
In his years at Lehman Brothers he managed the U.S. index team from 1998 – 2005 and managed the global index business from 2005 – 2008. He also worked extensively marketing the portfolio management tools PC Product and POINT.
Nick began his professional career at JP Morgan working from 1987-1992 in their systems development department. He holds an M.B.A. in finance from New York University and a B.A. in computer science and mathematics from Boston College.
Contributions:
Dr. Wesley R. "Wes" Gray is the CEO of Alpha Architect, an author, portfolio manager, United States Marine, Iraq War vet, and a former professor of finance at Drexel University. He earned an MBA and a Ph.D. in finance from the University of Chicago where he studied under Nobel Prize Winner Eugene Fama. Dr. Gray has published multiple academic papers and four books, including Embedded (Naval Institute Press, 2009), Quantitative Value (Wiley, 2012), DIY Financial Advisor (Wiley, 2015), and Quantitative Momentum (Wiley, 2016). His research-intensive asset management firm focuses on high-conviction value and momentum factor exposure.
Contributions:
Adam Grossman is a Boston-based financial planner. After working for traditional firms for several years, Adam started Mayport Wealth Management in an effort to provide individual investors with an alternative. Specifically, Mayport works with clients on a flat-fee basis, rather than the traditional 1%-of-assets that is the industry norm.
Since 2017, Adam has been featured weekly on HumbleDollar, a personal finance site edited by former Wall Street Journal writer and author Jonathan Clements. Adam also contributed a chapter to Jonathan’s book My Money Journey. Adam has been featured on MarketWatch, in U.S. News and in other personal finance outlets.
Adam is a graduate of Williams College, with a degree in Political Economy, and holds an MBA from the MIT Sloan School of Management. He is also a CFA charterholder.
Mayport currently manages $400 million for high-net-worth families.
Contributions:
Jordan Grumet, born in Evanston, Illinois in 1973, found the spark to become a doctor after a deeply personal event reshaped his life's trajectory. The unexpected loss of his father, an oncologist, ignited a passion within him to practice medicine and instilled a unique vantage point that later melded seamlessly with his financial expertise. This convergence of roles has spurred him to explore profound notions like wealth, abundance, and financial independence with a thoughtful and critical lens.
Completing his studies at the University of Michigan, Jordan earned his medical degree from Northwestern University before embarking on a journey in Internal Medicine in Northbrook, Illinois. Presently, he serves as an associate medical director at Journeycare Hospice.
With a profound understanding of both medicine and finance, Jordan shared his thoughts through blogging, specifically focusing on financial independence and wellness. This passion culminated in the launch of the Earn & Invest podcast in 2018. His dedication bore fruit in 2019 when he was honored with the Plutus Award for Best New Personal Finance Podcast, followed by consecutive nominations for Best Personal Finance Podcast of the year in 2020 and 2021.
In August 2022, Jordan's literary pursuit took shape as his book, "Taking Stock: A Hospice Doctor’s Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life" was published by Ulysses Press. Jordan's journey intertwines medical insight and financial wisdom, resonating deeply with those seeking a balanced, meaningful life.
Contributions:
Dr. Ricardo “Rich” Guerra is an Interventional Cardiologist at North Texas Heart Center, based in Dallas, TX. He has been a Boglehead for many years and developed a passion for the Boglehead Way. After learning much from the experts and community members he met at local and annual meetings and from John Bogle himself, he was inspired by the drive embodied by so many to help others also achieve financial well-being. Guerra has chaired the Finance and Investing Committee of the Sarnoff Foundation for Cardiovascular Research and is active in the Bogleheads Community helping to spread the word to facilitate creating a world of well-informed, capable and empowered investors.
Dr. Ricardo Guerra is a medical doctor specializing in Cardiovascular Medicine. He is graduate of Harvard University and subsequently received his medical degree at the University of California, San Francisco and Cardiology and Interventional Cardiology training at Stanford and Vanderbilt Universities respectively. He is passionate about fostering innovation in the patient experience through technology and service. He enjoys aviation and has built and flies an experimental aircraft.
Contributions:
Dr. Guerra has recorded videos of Boglehead Conferences, and oversees the Bogleheads YouTube channel.
Sarah Catherine (SC) Gutierrez is the CEO of Aptus Financial and holds an MPP from Harvard University and the Certified Financial Planner® and Chartered Retirement Plans Specialist designations. Her firm provides flat-fee financial planning services to early-career attending physicians and other young professionals. Aptus has helped more than 800 physicians DIY their finances by providing financial mentorship, personalized guidance, and simple, unbiased investment advice. In addition, her firm serves as fiduciary advisor to retirement plans and manages financial wellness and student loan advice programs for healthcare organizations and other companies, encompassing more than 60,000 employee participants. She is the author of But First, Save10: The One Simple Money Move That Will Change Your Life.
Contributions:
Jonathan is a Cornerstone Principal and is recognized as a thought leader in the financial planning profession for his holistic work in the art and science of retirement planning. His specialties include retirement income planning and investment management with an emphasis on asset distribution and income tax planning.
Jon is best known as the author of “Decision Rules and Portfolio Management for Retirees: Is the ‘Safe’ Initial Withdrawal Rate Too Safe?”, published in the October 2004 Journal of Financial Planning and a winner of its national Call For Papers competition. He also co-authored “Decision Rules and Maximum Initial Withdrawal Rates” with computer scientist William Klinger in its March 2006 issue. Jon was named one of ’15 Transformational Advisors’ of the past twenty years in 2013 by the readers of Investment News. He currently serves as a retirement planning columnist for the Journal of Financial Planning; his recent columns appear in the Our Publications section of this site. He is also an Expert Panelist on Retirement for the Wall Street Journal and an Online Columnist for Time and Money. Jon is regularly quoted in the New York Times, USA Today, Forbes, Business Week, Research, and Kiplinger’s Personal Finance. He has been honored to make numerous presentations to literally thousands of colleagues based on his published writings and work with clients.
Jon graduated Phi Beta Kappa from the College of William and Mary in Virginia in 1983 with a B.A. in Economics and spent five years as a financial planner and national training officer for Ameriprise Financial (then IDS) before creating his own firm in 1990. He earned his CERTIFIED FINANCIAL PLANNER™ certification in 1989.
Contributions:
Victor Haghani graduated from the London School of Economics in 1984 and returned in the
early 2000s as a Senior Research Associate in the LSE’s Financial Markets Group. He is a co-
author of The Missing Billionaires: A Guide to Better Financial Decisions (Wiley, 2023), which
was named to The Economist’s Best Books of 2023 list. He worked for Salomon Brothers in
New York in research and on the bond arbitrage desk from 1984-1993. In 1993, Victor was a co-
founding partner and co-headed the London office of the hedge fund Long-Term Capital
Management. He founded Elm Wealth in 2011 to help clients, including his own family, manage
and preserve their wealth through Dynamic Index Investing®, an investment approach
pioneered at Elm. Victor discussed the potential benefits of combining the best features of
passive and active investing in a TEDx talk he gave on investing, Where Are All the Billionaires
and Why Should We Care?. Victor has been a prolific contributor to the academic and
practitioner finance literature, writing many articles published in peer-reviewed academic
journals, anthologies, and mainstream news media. Victor has helped run several widely
referenced investor psychology experiments, often based on subjects betting real money on a
biased coin (you can play here and here).
Contributions:
Mark serves as a senior vice president for IFA Institutional. Mark specializes in providing advisory services to institutional plans, such as endowments, foundations, pension plans, defined contribution plans, various corporate plans, and select high-net-worth individuals. In this role, he leverages more than fourteen years of relevant experience serving as an investment advisor and consultant for both small and multi-billion plans.
Mark is also the author of the award-winning book, Investing in U.S. Financial History: Understanding the Past to Forecast the Future. The book recounts the financial history of the United States, beginning with the innovative financial programs of Alexander Hamilton in 1790 and ending with the Federal Reserve’s ongoing battle to contain inflation in the 2020s. In March 2024, Investing in U.S. Financial History was awarded a bronze medal in the prestigious 2024 Axiom Book Awards under the category of “Personal Finance/Retirement Planning/Investing.” It was also awarded the best book in “Finance” at the 2024 NYC Big Book Awards and best book in “Business: Personal Finance/Investing” in the 2024 “Best Book” Awards.*
Mark is a member of the Editorial Board of the Museum of American Finance, and he is a frequent writer for the Museum’s Financial History magazine. Insights from his writing and experiences as a consultant to institutional investment plans have been quoted by journalists at CNBC, the Wall Street Journal, Morningstar, and many other financial publications throughout the world.
Mark graduated from Georgetown University Phi Beta Kappa and Magna Cum Laude with a bachelor’s degree in English and Psychology. He received an MBA from the Darden School of Business at the University of Virginia. He is a CFA charterholder and CFP® professional. Mark resides in Portland, Oregon with his wife, Katie, and two children, Jack and Lila.
Contributions:
Matt Hougan is one of the world’s leading experts on crypto, ETFs, and financial
technology.
He is the Chief Investment Officer for Bitwise Asset Management, the world’s largest
provider of cryptocurrency index funds. He was previously CEO of ETF.com and Inside
ETFs, where he helped build the world’s first ETF data and analytics system, the
leading ETF media site, and the world’s largest ETF conference.
Matt is co-author of two publications for the CFA Institute Research Foundation: “A
Comprehensive Guide to Exchange-Traded Funds” and “Cryptoassets: The Guide to
Bitcoin, Blockchain and Cryptocurrencies for Professional Investors.”
He is a crypto columnist for Forbes, a three-time member of the Barron’s ETF
Roundtable, a member of the ETFdb’s ETF Hall of Fame, and the eighth person to
receive a Lifetime Achievement Award from ETF.com for contributions to the ETF
industry.
Hougan sits on the board of directors for Equbot, creator of the first AI-driven ETFs (in
partnership with IBM Watson), and is a strategic advisor to multiple crypto- and
financial advisor-related startups, including Blockworks, Stratifi, and Advisor Circle.
Contributions:
Ben is a Certified Public Accountant, licensed in the Commonwealth of Pennsylvania. As the Controller for Butler County (PA), he serves as a Trustee on the County's pension plan; continuing the legacy of investing all assets in low cost index funds—and saving taxpayers millions of dollars in fees annually. Ben received his accounting degree from Grove City College, and is a member of the Pennsylvania State Board of Accountancy. He is married to his wife Tricia, and together they are raising three sons - "Little Jack" according to Mr. Bogle, Samuel, and Levi.
Contributions:
Derek Horstmeyer is a Professor of Finance for the School of Business, whose research focuses on boards/directors, ETF & mutual fund performance, and hedge fund activism. He writes a monthly column for the Wall Street Journal and has published in the Quarterly Journal of Finance, Managerial Finance, and other mainstream business publications. His work has been cited in Forbes, Bloomberg, CNBC, the PBS Newshour, Fox Business, NY Post, the Washington Post, LA Times, and other news outlets. He also co-founded and currently leads the first student-managed investment fund at GMU, and currently serves as director of the new Financial Planning & Wealth Management degree at Mason.
Derek received his B.S. degree in mathematics and economics from the University of Chicago and his M.S in financial economics from Stanford University
Contributions:
Clark Howard is a consumer advocate and personal finance expert. He has been hosting the nationally-syndicated radio show and podcast, The Clark Howard Show, since 1989. Clark is also the author of 10 books, 3 of which have been New York Times bestsellers. He also sponsors The Community Action Center, which is a free resource for advice on money and consumer issues. He received his BA in Urban Government from American University and his MBA from Central Michigan University.
Contributions:
Morgan Housel is an author of The Psychology of Money book and writes a blog as a partner at The Collaborative Fund. He is a former columnist at The Motley Fool and The Wall Street Journal, a two-time winner of the Best in Business Award from the Society of American Business Editors and Writers, winner of the New York Times Sidney Award, and a two-time finalist for the Gerald Loeb Award for Distinguished Business and Financial Journalism.
Morgan Housel is an author of The Psychology of Money book and writes a blog as a partner at The Collaborative Fund. He is a former columnist at The Motley Fool and The Wall Street Journal, a two-time winner of the Best in Business Award from the Society of American Business Editors and Writers, winner of the New York Times Sidney Award, and a two-time finalist for the Gerald Loeb Award for Distinguished Business and Financial Journalism.
Contributions:
Jason Hsu, Ph.D., is one of the world's top thought leaders on factor investing and the co-creator of the fundamental indexing methodology. He has authored more than 40 peer-reviewed articles and won numerous research awards. Jason is a member of the board of directors at the Anderson School of Management at UCLA, as well as an adjunct professor in finance. He is an associate editor of the Journal of Investment Management and serves on the editorial board of the Financial Analysts Journal, the Journal of Index Investing, the Journal of Investment Consulting, and the Journal of Investment Management. Jason is the founder and chairman of Rayliant Global Advisors, and formally the co-founder and vice-chairman of Research Affiliates.
Contributions:
Cameron Huddleston is an award-winning journalist with more than 17 years of experience writing about personal finance. Her work has appeared in Kiplinger's Personal Finance, Business Insider, Chicago Tribune, Fortune, MSN, USA Today, Yahoo and many more print and online publications. She is currently the Life + Money columnist for GOBankingRates. Cameron is the author of Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances.
U.S. News & World Report named her one of the top personal finance experts to follow on Twitter. Cameron has appeared on MSNBC, CNN and “Fox & Friends” and has been a guest on ABC News Radio, Wall Street Journal Radio, NPR and other personal finance radio shows nationwide. She also has been interviewed and quoted as an expert in The New York Times, Chicago Tribune, BBC.com, MarketWatch and more.
Cameron received her M.A. in journalism from American University.
Contributions:
Antti Ilmanen is a Principal and Global Co-head of the Portfolio Solutions Group at AQR Capital Management. In this role, he manages the team responsible for advising institutional investors and sovereign wealth funds and develops the firm's broad investment ideas.
Prior to joining AQR, Antti spent seven years as a senior portfolio manager at Brevan Howard and a decade in a variety of roles at Salomon Brothers/Citigroup. He began his career as a central bank portfolio manager in Finland. Over the years, he has advised many institutional investors, including Norway’s Government Pension Fund Global and the Government of Singapore Investment Corporation.
Antti has published extensively in finance and investment journals and has received a Graham and Dodd award, the Harry M. Markowitz special distinction award, and multiple Bernstein Fabozzi/Jacobs Levy awards for his articles.
Antti is the author of Expected Returns (Wiley, 2011), a broad synthesis of the central issues in investing, and Investing Amid Low Expected Returns (Wiley, 2022), which addresses the challenges facing investors amid the prospect of record-low future expected returns. He also received the CFA Institute's 2017 Leadership in Global Investment Award.
Antti earned M.Sc. degrees in economics and law from the University of Helsinki and a Ph.D. in finance from the University of Chicago
Contributions:
Dylan Ingerman is the Co-Founder and Co-Chairman of First Generation Investors (FGI), a nonprofit that teaches high school students the principles of long-term investing, and provides them with real money to invest. Since co-founding FGI as a freshman at Wharton, Dylan has helped scale the organization to a full-time team, hundreds of active volunteers, and a national footprint reaching over 3,000 students.
Contributions:
Colleen Jaconetti is a Senior Investment Analyst in the Vanguard Investment Strategy Group. She has over 25 years of experience in the financial services industry. Her areas of expertise include portfolio construction and financial planning with a focus on retirement planning, spending and wealth management strategies.
Colleen M. Jaconetti authored the 2012 Vanguard research paper "Total-Return Investing: An Enduring Solution for Low Yields", alongside Francis M. Kinniry Jr., and Christopher B. Philips. She has also posted articles for the AAII Journal.
Colleen received her B.A. in Mathematics from Lehigh University. She received her M.B.A in Finance, Accounting from Lehigh University
Contributions:
Spencer Jakab is the Editor of the "Heard on the Street" column for the Wall Street Journal and the author of two books. His new book is The Revolution That Wasn't: GameStop, Reddit and the Fleecing of Small Investors, which is the topic of our conversation. Previously he wrote "Ahead of the Tape" published in 2015. Prior to joining the WSJ, Spencer was an analyst and later a director of emerging markets equity research at Credit Suisse.
Spencer Jakab is the Editor of the "Heard on the Street" column for the Wall Street Journal and the author of two books. His new book is The Revolution That Wasn't: GameStop, Reddit and the Fleecing of Small Investors, which is the topic of our conversation. Previously he wrote "Ahead of the Tape" published in 2015. Prior to joining the WSJ, Spencer was an analyst and later a director of emerging markets equity research at Credit Suisse.
Spencer Jakab is the Editor of the "Heard on the Street" column for the Wall Street Journal and the author of two books. His new book is The Revolution That Wasn't: GameStop, Reddit and the Fleecing of Small Investors, which is the topic of our conversation. Previously he wrote "Ahead of the Tape" published in 2015. Prior to joining the WSJ, Spencer was an analyst and later a director of emerging markets equity research at Credit Suisse.
Contributions:
Karsten “Big Ern” Jeske retired in 2018 after a long career in academia, government, and Corporate America. He previously worked at the Federal Reserve Bank of Atlanta and BNY Mellon Asset Management and taught economics at Emory University and UC Berkeley. Karsten’s work has been published in leading academic journals like the Journal of Political Economy and the Journal of Monetary Economics. He now lives in Washington State with his wife and daughter. On his blog Early Retirement Now, he writes on all topics related to personal finance. He is best known for his comprehensive series on safe withdrawal strategies.
Karsten has an undergraduate degree in Business from the Universität Bielefeld in Germany and a Master’s and Doctorate in economics from the University of Minnesota. He also holds the Chartered Financial Analyst (CFA®) designation.
Contributions:
Ben Johnson, CFA, works with Morningstar’s asset management clients to leverage Morningstar’s capabilities to advance our shared mission of empowering investor success. Prior to assuming his current role in 2022, he was the director of global ETF and passive strategies research within Morningstar’s manager research group. Earlier in his tenure in the manager research organization, he served as the director of ETF research for Europe and Asia. He also previously served as a senior equity analyst, covering the agriculture and chemicals industries. Before joining Morningstar in 2006, he worked as a financial advisor for Morgan Stanley.
Johnson holds a bachelor’s degree in economics from the University of Wisconsin. He also holds the Chartered Financial Analyst® designation. In 2015, Fund Directions and Fund Action named Johnson among the 2015 Rising Stars of Mutual Funds.
Contributions:
Michael Kitces, MSFS, MTax, CFP, a Financial Planning contributing writer, is head of planning strategy for Buckingham Wealth Partners, co-founder of the XY Planning Network and publisher of a continuing education blog for financial planners, Nerd’s Eye View.
Michael is also a popular speaker on financial planning and practice management topics, and can be seen presenting at 50-70 regional and national conferences for financial advisors every year.
Jackie is best known for her story of reaching Financial Independence and Retiring Early (F.I.R.E.) in her 40s, making less than six figures. She officially retired from corporate America in 2019 to follow her big dream of creating a financially literate society.
Shortly after writing her first book “Money Letters 2 my Daughter” in 2013, she was officially recognized with a Congressional Commendation from the U.S. House of Representatives for her work in the financial literacy space. In April 2024, she released her newest book, “F.I.R.E. for Dummies” (a.co/d/0gSuoN3).
Jackie has been featured in many major media outlets including the Rachael Ray Show, CNBC, Forbes and The New York Times. She currently co-hosts “Catching Up to FI”, a podcast dedicated to helping late starters on the journey to financial independence (catchinguptofi.com).
Jackie earned her master’s degree in financial planning and financial therapy from Kansas State University and holds the Certified Financial Planner and Accredited Financial Counselor credentials.
Contributions:
Taylor Larimore, CCL, was dubbed by MONEY magazine as "The Dean of the Vanguard Diehards." Jack Bogle calls Taylor "King of the Bogleheads." Taylor is remarkably well informed after having spent most of his 98 years in the real world of finance and investments.
A graduate of the University of Miami School of Business Administration, Taylor served as a World War II paratrooper in the 101st Airborne Division during the Battle of the Bulge, earning 5 combat decorations. An avid sailing enthusiast, Taylor was named the American Sailing Association's "Instructor of the Year."
Throughout his career, Taylor worked as a life insurance underwriter, revenue officer for the Internal Revenue Service, Chief of the Financial Division for the Small Business Administration in South Florida, and Director of the Dade County Housing Finance Authority.
In 1986 Taylor became inspired when reading about the life and teachings of Jack Bogle. Combining his financial experience with Mr. Bogle's research and advice, Taylor and his wife of 62 years, Pat (deceased), have seen their portfolio improve dramatically. Taylor now spends his time sailing and helping others discover "the Boglehead way" on the Boglehead forums.
He calls his beautiful condo overlooking Biscayne Bay "The House That Jack Built" since he credits Jack Bogle and Vanguard for the investing success that allowed him to purchase it.
Contributions:
John C. Bogle Center "Lifetime Achievement Award"
The Bogleheads' Guide to Investing
Craig Lazzara is a Managing Director in the Core Product Management group at S&P Dow Jones Indices (S&P DJI). His responsibilities focus on providing thought leadership and educational outreach for S&P DJI’s core, alternative beta, and style indices globally. Prior to assuming his current role, Craig founded the Index Investment Strategy team, which provides research and commentary across the S&P DJI product set, with particular emphasis on the active vs. passive debate, factor indices, and index dynamics. He previously served as product manager for S&P DJI’s U.S. equity and real estate indices. These include the S&P 500® and the S&P CoreLogic Case-Shiller Home Price Indices, two of the most widely tracked benchmarks in the world.
Prior to joining S&P Indices in 2009, Craig was a managing director of Abacus Analytics, a quantitative consulting firm serving the brokerage and investment management communities. He previously directed marketing and client service for ETF Advisors and Salomon Smith Barney’s Global Equity Index Group, as well as for the Equity Portfolio Analysis group at Salomon Brothers. Earlier, Craig served as chief investment officer of Centurion Capital Management and Vantage Global Advisors, as a managing director of TSA Capital Management, and as a vice president and portfolio manager for Mellon Bank and T. Rowe Price Associates.
A Chartered Financial Analyst, Craig is a graduate of Princeton University and Harvard Business School.
Contributions:
Jeff Levine is a Certified Public Accountant, Certified Financial Planner, financial adviser, and a complete tax nerd. He is the lead financial planning guru for Kitces.com, home of the popular Nerd's Eye View blog, and the founder of Fully Vested Advice, Inc., which provides financial education and consulting services to industry professionals. He is also the Director of Advanced Planning at Buckingham Strategic Wealth.
Contributions:
Ron Lieber, an award-winning New York Times "Your Money" columnist and the author of a new book, The Price You Pay for College: An Entirely New Roadmap for the Biggest Financial Decision Your Family Will Ever Make. Ron is also the author of The Opposite of Spoiled: Raising Kids Who Are Grounded, Generous, and Smart About Money and co-author of Taking Time Off: Inspiring Stories of Students Who Enjoyed Successful Breaks from College and How You Can Plan Your Own.
Before joining The Times in 2008, Ron wrote the "Green Thumb" personal finance column for The Wall Street Journal and was part of the startup team at that paper's Personal Journal section.
Contributions:
Mel Lindauer, CFS, WMS, was dubbed "The Prince of the Bogleheads" by Jack Bogle. He's one of Boglehead forum founders along with Taylor Larimore, and has contributed thousands of posts, helping investors learn the Boglehead way to invest. In 2010, Mel helped create the John C. Bogle Center for Financial Literacy, an IRS-approved 501(c)(3) charitable organization. He served as the voluntary president of the Center from 2012 through 2019. Mel was elected to the Daytona Beach Shores city council and was sworn in on November 15, 2016. He was re-elected in 2018 and in 2020 was elected Vice Mayor. In 2022, he was re-elected to serve another four-year term.
Contributions:
Mel Lindauer served as a past president of the Bogle Center
Bogleheads Chapters Series with Allan Roth and Mel Lindauer - June 12, 2021
Bogleheads on Investing Episode 11 with Mel Lindauer - July 2, 2019
Roger Lowenstein reported for The Wall Street Journal for more than a decade and is also an award-winning book author. His work has appeared in Bloomberg, The New York Review of Books, Fortune, The New York Times Magazine, and other publications.
His best-selling books include Buffett, When Genius Failed, Origins of the Crash, While America Aged, and The End of Wall Street.
Contributions:
Alec Lucas is the director of fixed income strategies within manager research for Morningstar Research Services LLC, a wholly owned subsidiary of Morningstar, Inc. Prior to assuming his current role in June 2022, he worked for nine years on the equity strategies team, covering offerings from Vanguard and American Funds, among others. He is also the lead analyst on Vanguard.
Before joining Morningstar in 2013, Lucas worked as a minister as well as a professor for Loyola University Chicago, among other institutions. From 2010 to 2011, he was a Fulbright Scholar at the University of Heidelberg.
Lucas holds bachelors’ degrees in philosophy and classics from the University of Missouri-Columbia, where he graduated summa cum laude and with departmental honors, and a Master of Divinity, summa cum laude, from Trinity International University. He also holds a doctorate in theology, with distinction, from Loyola University Chicago and has published several articles and one book within that field.
Contributions:
Jon Luskin is a fee-only, advice-only Certified Financial Planner™ (CFP®) professional and fiduciary in sunny San Diego, California. Jon specializes in providing hourly advice to do-it-yourself investors.
Jon is a long-time advocate of simple, low-cost investing. His master’s thesis showed how university endowments can generate more wealth (and take on less risk) by using passive index funds. Jon’s other research has been published in the peer-reviewed Financial Planning Association’s Journal of Financial Planning. Jon has had the fortune of presenting his research to advisors across the country.
For his contribution to the industry, Jon has been recognized as one of the financial planning industry’s top young advisors by InvestmentNews magazine. Jon has been featured in consumer-facing and advisor-facing publications, including the New York Times, the Wall Street Journal, and Michael Kitces’ blog, Nerd’s Eye View.
Jon provides pro-bono financial planning to low-income households with the San Diego Financial Literacy Center, a 501(c)3 organization. He also volunteers with Second Chance Dog Rescue and Four Paws Dog Rescue.
Contributions:
2024 Conference: Guest Speaker
2023 Conference: Guest Speaker
2022 Conference: Moderator and Panelist
Host of Bogleheads Twitter Spaces and the Producer of Boglehead's Live Podcasts
Jason Lynch joined PlanVision in February 2020 after spending the last 18 years in private accounting as a controller, business manager, and consultant. He spent 12 years in public accounting concentrating in tax with high net worth clients and their businesses. He's been indexing since the mid-90's and is a true Boglehead having attended the national conference in 2016 and is a regular presenter in his local Bogleheads chapter.
Jason received his B.S. from Illinois State University.
Contributions:
Nick Maggiulli is the Chief Operating Officer and Data Scientist at Ritholtz Wealth Management, where he oversees operations across the firm and provides insights on business intelligence. He is also the author of OfDollarsAndData.com, a blog focused on the intersection of data and personal finance. His work has been featured in The Wall Street Journal, CNBC, and The Los Angeles Times. Mr. Maggiulli graduated from Stanford University with a degree in Economics and currently resides in New York City.
Contributions:
Burton Gordon Malkiel is an American economist and writer, most famous for his classic finance book A Random Walk Down Wall Street (now in its 12th edition). He is the Chemical Bank chairman's professor of economics at Princeton University and is a two-time chairman of the economics department there. Dr. Malkiel is a leading proponent of the efficient-market hypothesis, which contends that prices of publicly traded assets reflect all publicly available information, and one of the original thought leaders of that lead to the creation of index funds.
Dr. Malkiel served as a member of the Council of Economic Advisers (1975-1977), president of the American Finance Association (1978), and dean of the Yale School of Management (1981-1988). He also spent 28 years as a director of the Vanguard Group. He currently serves as Chief Investment Officer for Wealthfront Inc. a software-based financial advisor, and as a member of the Investment Committee Member for IRA Rebalance, an investment advisory firm.
Contributions:
Chris Mamula is the lead co-author of the ChooseFI book and a financial writer for Can I Retire Yet? After poor experiences with the financial industry early in his professional life, Chris educated himself on investing and tax planning. Now he draws on his experience to write about wealth building, DIY investing, financial planning, early retirement, and lifestyle design. Chris' writing have been featured in MarketWatch, Doughroller, Business Insider and RockStar Finance.
Contributions:
Stuart Matthews is the designer and developer of the Pralana Retirement Calculator. He is a retired electrical engineer, systems integrator and program manager. Stuart received a bachelor’s degree in electrical engineering from the University of Texas at Austin and had a rewarding career in the defense industry with Bendix, Rockwell International and Raytheon. He retired in early 2009.
The Pralana Retirement Calculator project began in January 2011. Over time the calculator developed a robust life cycle model that concurrently models most of the numerous interacting forces that govern our financial lives and then presents its users with useful, verifiable and easy-to-understand outputs they can use to make the financial decisions on which their futures will depend and to better understand the sensitivity of their plan to a host of variables.
Contributions:
Cole Benoit Mattox is the co-founder and co-chairman of First Generation Investors (FGI), a nonprofit dedicated to teaching students from underserved communities about long-term investing. Since 2019, he has been instrumental in providing nearly 4,000 high school students with education, resources, and funding to begin long-term investment portfolios. Under his leadership, FGI has cultivated partnerships with some of the largest civil rights organizations, educational institutions, and financial firms in the country. Outside of his work with FGI, he is also the founder of North Tabor Capital.
Contributions:
Dr. McClanahan is a physician turned financial planner. In addition to working in her
financial planning practice, she speaks regularly on the interplay between health and
financial issues, particularly regarding aging, chronic illness, end of life, long term
care, health care reform, and health care costs. She is an Investopedia Top 100
advisor, serves on the CNBC Financial Advisor Council and writes for various
publications. She is quoted regularly in the Washington Post, New York Times, and
CNBC.
Contributions:
Jesse Mecham is a personal finance expert and founder of YNAB, an app with a simple set of habits to help people change the way they think about money. Jesse is the host of The YNAB Podcast, a top-rated financial podcast, as well as the business owners’ guide to managing cash flow, the Beginning Balance Podcast. He is the Wall Street Journal best-selling author of You Need A Budget and is regularly quoted in the media as a money management expert –WIRED, New York Times, CNBC, and Business Insider have featured him – to name a few!
Jesse started YNAB in 2004, and back then, it was just a lil' bitty spreadsheet that helped him (a self proclaimed cash-strapped, newly married college student) cover the cost of his textbooks without going into debt. Nearly two decades later, The TODAY Show described YNAB as a “cult-favorite,” and the YNABverse continues to expand – amassing passionate fan communities on every corner of the internet (that combined are larger than the population of Charleston). Every day they share stories of demolishing debt, paying for cars in cash, or quadrupling their net worth.
YNAB the company is home to a fast-growing team living and working all around the world, and has built a thriving remote culture that earned recognition as Fortune’s #1 best small company to work for. (YNAB was doing remote work before it was cool!).
When not teaching the YNAB Method – four habits to help people spend, save and give without guilt or second-guessing –Jesse loves gardening, woodworking, marksmanship, and travel. He also spends a good bit of time with his wife and their seven children – yes, seven!
Contributions:
Paul Merriman is a nationally recognized authority on mutual funds, index investing, asset allocation and both buy-and-hold and active management strategies. Now retired from Merriman, the Seattle-based investment advisory firm he founded in 1983, he is dedicated to educating investors, young and old, through weekly articles at Marketwatch.com, and via free eBooks, podcasts, articles, recommendations for mutual funds, ETFs, 401(k) plans and more, at his website.
Paul Merriman is a nationally recognized authority on mutual funds, index investing, asset allocation and both buy-and-hold and active management strategies. Now retired from Merriman, the Seattle-based investment advisory firm he founded in 1983, he is dedicated to educating investors, young and old, through weekly articles at Marketwatch.com, and via free eBooks, podcasts, articles, recommendations for mutual funds, ETFs, 401(k) plans and more, at his website.
Contributions:
2024 Conference: Guest Speaker
2023 Conference: Guest Speaker
Bogleheads Chapter Series with Paul Merriman - Sept 25, 2022
Bogleheads Live Episode 10 with Paul Merriman - July 7, 2022
Bogleheads Chapter Series with Paul Merriman - May 3, 2021
Bogleheads on Investing Episode 18 with Paul Merriman - Feb 2, 2020
Mark Miller is a journalist, author and podcaster who is a nationally-recognized expert on trends in retirement and aging. His writing offers a holistic view of retirement security, including healthcare and Medicare, Social Security, retirement investing, midlife careers and housing. He also writes frequently about retirement-related public policy issues, including reform of Social Security, Medicare and workplace retirement plans.
Mark’s work appears at The New York Times and Morningstar; he also publishes a free Substack newsletter. His latest book is Retirement Reboot: Common Sense Strategies for Getting Back on Track (Agate Publishing, January 2023), which was named one of the top three personal finance books of 2023 by the Society for Advancing Business Editing and Writing.
Contributions:
Dr. Rodney Mogen has spent twenty year professional working with Financial Advisers in finding solutions for their clients and helping to grow and develop their practices. In addition working with small business owners in the startup and growth stages focusing on business strategy.
For Financial Advisers-RIA/Insurance Agents he focuses on driving advanced strategies for life insurance, disability insurance for financial advisers and insurance agents and help them solve their clients puzzles.
Rodney received a Master's degree in Financial Planning and Services from the American Academy of Financial Management. He received a Master's degree in Entrepreneurial and Small Business Operations from the Keller Graduate School of Management of DeVry University. He received a Doctorate of Business Administration, Small Business Development from the University of Phoenix.
Gouri Mukherjee is the NYC Bogleheads Chapter co-coordinator and a Bogleheads Life Stage Chapter co-coordinator, as well as being a Bogle Center board member. He enjoys helping empower others through financial literacy. Gouri received his master’s degree from Columbia University.
Sean Mullaney is a financial planner and the President of Mullaney Financial & Tax, Inc. Mullaney Financial & Tax, Inc. offers fiduciary, fee-only, and advice-only financial planning.
Sean established Mullaney Financial & Tax, Inc. after a lengthy career in public accounting. He worked in the tax departments of both Deloitte & Touche and PwC, including over 6 years in PwC’s Washington National Tax Services practice.
Sean is a Certified Public Accountant licensed in California and Virginia. He is a member of the American Institute of Certified Public Accountants and an associate member of the National Association of Personal Financial Advisors. Sean has degrees in accounting, law, and taxation and a certificate in financial planning. Sean graduated from George Mason and Georgetown universities.
Sarah Newcomb, Ph.D., is a behavioral economist for Morningstar. In this role, she works to integrate the findings of her research into Morningstar's financial management applications and tools. Sarah has expertise in consumer psychology, economic decision-making, personal money management, and cognitive and social psychology.
Before joining Morningstar in 2015, Sarah earned her doctorate in behavioral economics from the University of Maine, where her work focused on the psychological barriers to sound personal money management. She is the author of LOADED: Money, Psychology, and How to Get Ahead without Leaving Your Values Behind (Wiley, 2016).
Contributions:
Gerard C. O'Reilly is Principal, Portfolio Manager at Vanguard Group, Inc. Gerard has been with Vanguard since 1992, has managed investment portfolios since 1994, O'Reilly has managed stock index portfolios since 1994. Education: B.S., Villanova University.
Contributions:
Daniel Otter, Ph.D., is a teacher, writer and personal finance advocate who strives to make the complex simple whether it is social studies, teacher education, or personal finance topics. Since 2000, he has operated the nationally recognized 403(b) site. The site has been featured in the Motley Fool, USA Today, Washington Post, New York Times and The Wall Street Journal. He has discussed teacher retirement plan issues on NPR and Bob Brinker's Land of Critical Mass.
In 2012, Money Magazine named Dan one of 40 who have made "extraordinary efforts to improve others' financial well-being." Dan is a two-time winner of The National Association of Government Defined Contribution Administrators, Inc. (NAGDCA) Media Recognition Award.
Dan is the author of two books: Teach and Retire Rich and Financial Literacy. Simplified.
Contributions:
Paula Pant is the host of the Afford Anything podcast, an award-winning show with more than 30 million downloads. It was named by the New York Times as one of “7 Podcasts Your Wallet Will Love.”
She is also the founder of Afford Anything, a personal finance brand with more than 75,000 newsletter subscribers.
She wass a Knight-Bagehot Business and Economics Journalism Fellow at Columbia University.
Paula is frequently featured in financial media including Money Magazine, the Washington Post, Oprah.com, CNBC, Fortune, Marie Claire, Marketplace Money, Men’s Health, Real Simple, Outside Magazine, Cosmopolitan, the New York Times, and more. She’s spoken at the Talks at Google series and guest lectured at Georgetown University. She lives in New York City.
Contributions:
Michael Perre is a principal in the Vanguard Equity Index Group. Michael oversees the portfolio management of Vanguard’s internally managed equity index funds. He is involved with the daily trading and portfolio management of those funds.
Contributions:
Chris Pedersen is a retired high-tech product manager now focused primarily on research to create sound personal finance & investing recommendations for The Merriman Financial Education Foundation. He is also an active photographer and videographer creating event and legacy content.
Education: B.S., Brigham Young University
Contributions:
Wade D. Pfau, Ph.D., CFA is a Professor of Retirement Income for the American College of Financial Services and the Director of Retirement Research for McLean Asset Management, as well as the author of Insights & Research for Lifetime Financial Planning for the Retirement Researcher. He has written three books on retirement planning and personal finance.
Contributions:
Don Phillips is the former CEO and a managing director of Morningstar, Inc. who remains involved in corporate strategy and investment research. He joined Morningstar in 1986 as the company's first mutual fund analyst and soon became editor of its flagship publication, Morningstar Mutual Funds™, establishing the editorial voice for which the company is best known. Don helped to develop the Morningstar® Style Box™, the Morningstar® Rating™, and other innovations that have become industry standards.
Investment Advisor magazine named him as one of the most influential people in the financial industry in 2006, and Financial Planning magazine named Phillips one of the planning industry's "Movers & Shakers" in 2003. Don holds a bachelor's degree in English from the University of Texas and a master's degree in American literature from the University of Chicago.
Contributions:
Mike Piper is a licensed CPA and author of many finance and tax-related books including Social Security Made Simple. He is quoted regularly as a tax and Social Security expert in various publications, from The Wall Street Journal, to AARP, to Morningstar.
He is also the creator of the Open Social Security calculator and the author of the blog ObliviousInvestor.com.
Contributions:
2024 Conference: Guest Speaker
2023 Conference: Guest Speaker
2022 Conference: Speaker and Panelist
Bogleheads On Investing Episode 58 with Mike Piper - May 31, 2023
Bogleheads on Investing Episode 52 with Ryan Barrett & Mike Piper - Nov 29, 2022
Bogleheads Live Episode 23 with Mike Piper - Oct 3, 2022
Bogleheads Live Episode 9 with Mike Piper - July 4, 2022
Bogleheads Chapter Series with Mike Piper - Apr 6, 2021
Bogleheads Chapter Series with Mike Piper - Mar 27, 2021
Bogleheads Speaker Series with the Panel of Experts - Feb 19, 2021
Bogleheads on Investing Episode 7 with Mike Piper - Feb 25, 2019
Bob Pisani, Senior Markets Correspondent at CNBC, has covered Wall Street and the stock market for 24 years. Pisani has covered real estate markets and then the global stock market, as well as initial public offerings (IPOs), exchange-traded funds (ETFs), and financial market structure for CNBC since 1990.
Prior to joining CNBC, Pisani co-authored Investing in Land: How to Be a Successful Developer. He and his father taught a course in real estate development at the Wharton School of Business at the University of Pennsylvania from 1987-1992. Pisani learned the real estate business from his father, Ralph Pisani, a retired real estate developer.
In 2017, Pisani was honored with a Lifetime Achievement Award from the Security Traders Association of New York for dedication to the Association and the Industry.
In 2013, he won Third Place in the National Headliner Awards in the Business and Consumer Reporting category for his documentary on the diamond business, The Diamond Rush.
In 2014, Pisani was honored with a Recognition Award from the Market Technicians Association for steadfast efforts to integrate technical analysis into financial decision making, journalism and reporting.
In 2010, Pisani was an Webby Award Honoree from the International Academy of Digital Arts & Sciences for Best Business Blog.
Contributions:
James Please is the developer of the product FI Calc.
Mr. Please states "This calculator allows you to run your retirement simulations using historical data. Run retirements that are shorter or longer, or withdraw less or more, and see how these changes impact success.
Contributions:
Brian Portnoy, Ph.D., CFA, is an entrepreneur, writer, and expert in the psychology of money. He is the founder of Shaping Wealth, the global wealth industry's premier learning & engagement platform for human-first financial guidance. In 2024, WealthManagement.com recognized Shaping Wealth as the financial advice industry's most disruptive firm. Brian’s three behavioral finance books have been published in 15 languages and one of them, The Geometry of Wealth: How to Shape of Life of Money and Meaning, inspired his current venture. Brian previously worked for 20 years in the hedge fund and mutual fund industries as investor, researcher, and educator. He serves on the ambassador’s council of the Alliance for Decision Education, is a CFA Charterholder, and is a member of the Economic Club of Chicago. Brian earned his doctorate at the University of Chicago and undergraduate degree at the University of Michigan.
Contributions:
Robin is a journalist who lives and works in the UK. He is an investor advocate, consultant to progressive financial advisers and asset managers in the UK and US, and the founder of The Evidence-Based Investor website.
Contributions:
Rich Powers is the head of ETF and Index Product Management in Vanguard Portfolio Review Department. He joined Vanguard in 1999 and joined Portfolio Review in 2003.
For the majority of his tenure in Portfolio Review, Mr. Powers was a senior member of the Oversight and Manager Search team, which is responsible for identifying subadvisory partners for Vanguard's active fund lineup and monitoring the firm, people, process, portfolio, and performance of all existing Vanguard funds on behalf of the firm's senior leadership team and board of directors.
In 2015, Mr. Powers became the head of ETF Product Management. His team was responsible for conducting surveillance of competitor products and positioning, meeting with clients and prospects to discuss Vanguard's ETF lineup, publishing on noteworthy developments in the ETF marketplace and Vanguard lineup, and supporting ETF education initiatives. In 2020, Rich assumed his current role, expanding his responsibilities beyond ETFs to also include all of Vanguard's equity and fixed income index funds.
Mr. Powers earned a B.S.B.A. in finance from Shippensburg University and an M.B.A. in investment management from Drexel University.
Contributions:
Jeff Ptak, CFA, is the global head of manager research at Morningstar Research Services, LLC, and past president & chief investment officer of Morningstar Investment Services. He also Co-hosts Morningstar's "The Long View" podcast with Christen Benz.
Contributions:
Ellen Quigley is the Advisor to the Chief Financial Officer (Responsible Investment) at the University of Cambridge and a Senior Research Associate in Climate Risk and Sustainable Finance at the Centre for the Study of Existential Risk. She is from Saskatoon, Saskatchewan, Canada.
Contributions:
Lauren Rabe is an Agent Manager for the San Diego market, in UnitedHealthcare's Medicare & Retirement division. She works remotely from the UHC headquarter office in MN supporting our agent distribution channels. Lauren has been with the company for almost five years, with a background in Direct to consumer sales and product.
Lauren received her B.A.'s in Communication; Psychology from the College of Saint Benedict and from Saint John's University.
Contributions:
Salim Ramji is chief executive officer of Vanguard and a member of the firm’s board of directors.
Prior to joining Vanguard in July 2024, Mr. Ramji was a member of BlackRock’s global executive committee and the firm’s global head of iShares and index investments, where he was responsible for two-thirds of the firm’s assets and growth. He also previously served as head of BlackRock’s U.S. wealth advisory business, where he was responsible for leading the firm’s relationships with wealth management firms, uniting the iShares and active teams on the mission of building better portfolios, and applying new portfolio technologies to reach tens of thousands of advisors. Mr. Ramji joined BlackRock in 2014 as the global head of corporate strategy.
Before joining BlackRock, he was a senior partner at McKinsey & Company, where he led the asset & wealth management practice areas. He started his career as a lawyer with Clifford Chance in London and Hong Kong.
Mr. Ramji earned a bachelor’s degree in economics and politics from the University of Toronto and an M.A. degree in law from Cambridge University and is a CFA charterholder. He is a trustee of Graham Windham, a New York-based child-welfare organization, and serves on the international leadership council for the University of Toronto.
Contributions:
Ted Randall is a senior portfolio manager at Avantis Investors®. Prior to Avantis Investors' establishment in 2019, Ted served as vice president and portfolio manager for domestic and international equity strategies at Dimensional Fund Advisors (DFA). In this role, Ted served as portfolio manager and portfolio advocate for 11 U.S. and non-U.S. developed, emerging market and blended asset allocation mutual funds and separately managed accounts.
Ted earned a master's in business administration from the University of California Los Angeles Anderson School of Management and a bachelor of science in business administration from the University of Southern California.
Ted Randall is a senior portfolio manager at Avantis Investors®. Prior to Avantis Investors' establishment in 2019, Ted served as vice president and portfolio manager for domestic and international equity strategies at Dimensional Fund Advisors (DFA). In this role, Ted served as portfolio manager and portfolio advocate for 11 U.S. and non-U.S. developed, emerging market and blended asset allocation mutual funds and separately managed accounts.
Ted earned a master's in business administration from the University of California Los Angeles Anderson School of Management and a bachelor of science in business administration from the University of Southern California.
Ted Randall is a senior portfolio manager at Avantis Investors®. Prior to Avantis Investors' establishment in 2019, Ted served as vice president and portfolio manager for domestic and international equity strategies at Dimensional Fund Advisors (DFA). In this role, Ted served as portfolio manager and portfolio advocate for 11 U.S. and non-U.S. developed, emerging market and blended asset allocation mutual funds and separately managed accounts.
Ted earned a master's in business administration from the University of California Los Angeles Anderson School of Management and a bachelor of science in business administration from the University of Southern California.
Ted Randall is a senior portfolio manager at Avantis Investors®. Prior to Avantis Investors' establishment in 2019, Ted served as vice president and portfolio manager for domestic and international equity strategies at Dimensional Fund Advisors (DFA). In this role, Ted served as portfolio manager and portfolio advocate for 11 U.S. and non-U.S. developed, emerging market and blended asset allocation mutual funds and separately managed accounts.
Ted earned a master's in business administration from the University of California Los Angeles Anderson School of Management and a bachelor of science in business administration from the University of Southern California.
Ted Randall is a senior portfolio manager at Avantis Investors®. Prior to Avantis Investors' establishment in 2019, Ted served as vice president and portfolio manager for domestic and international equity strategies at Dimensional Fund Advisors (DFA). In this role, Ted served as portfolio manager and portfolio advocate for 11 U.S. and non-U.S. developed, emerging market and blended asset allocation mutual funds and separately managed accounts.
Ted earned a master's in business administration from the University of California Los Angeles Anderson School of Management and a bachelor of science in business administration from the University of Southern California.
Ted Randall is a senior portfolio manager at Avantis Investors®. Prior to Avantis Investors' establishment in 2019, Ted served as vice president and portfolio manager for domestic and international equity strategies at Dimensional Fund Advisors (DFA). In this role, Ted served as portfolio manager and portfolio advocate for 11 U.S. and non-U.S. developed, emerging market and blended asset allocation mutual funds and separately managed accounts.
Ted earned a master's in business administration from the University of California Los Angeles Anderson School of Management and a bachelor of science in business administration from the University of Southern California.
Contributions:
Tim Ranzetta co-founded the non-profit, Next Gen Personal Finance (NGPF), in 2014 after seeing the impact of financial education while teaching a course he developed at Eastside College Prep in East Palo Alto, California. The first-gen students' engagement level and their parents' interest convinced him of the transformative effect of this education both inside and outside of the classroom. In addition to co-founding the organization, he has established an endowment to provide all of its curriculum and professional development at no cost to schools.
NGPF provides free curriculum, professional development, and advocacy tools to over 75,000 teachers who reach over 3 million high school students in the U.S. The company's goal is referred to as Mission 2030 when ALL high school students will take a personal finance course providing them with the financial skills they need to thrive in the future.
Prior to founding NGPF, Tim co-founded several companies including an information security company (acquired by Recall Secure Destruction Services), the nation’s leading compensation and corporate governance research firm (Equilar), and a student loan research firm (Student Lending Analytics). He began his career as a management consultant at Bain and Company. He graduated from the University of Virginia with a B.S. degree in Commerce with Distinction and received his M.B.A. at the Stanford Graduate School of Business.
Contributions:
Eduardo Repetto is the Chief Investment Officer (CIO) of Avantis Investors, where he is responsible for directing the research, design and implementation of investment strategies, and has oversight of the investment team managing over $10 billion in factor-based ETFs. Prior to Avantis Investors' establishment in 2019, Eduardo was Co-Chief Executive Officer, Co-Chief Investment Officer, and Director at Dimensional Fund Advisors (DFA).
Dr. Repetto earned a Ph.D. degree in Aeronautics from the California Institute of Technology, an MSc degree in Engineering from Brown University, and a Diploma de Honor in Civil Engineering from the Universidad de Buenos Aires. He is a Trustee of the California Institute of Technology and the recipient of the William F. Ballhaus Prize from the California Institute of Technology for outstanding Doctoral Dissertation in Aeronautics and the Ernest E. Sechler Memorial Award for his teaching and research efforts.
Contributions:
John Rekenthaler is vice president, research for Morningstar Research Services LLC, a
wholly owned subsidiary of Morningstar, Inc.
Rekenthaler joined Morningstar in 1988 and has served in several capacities. He has
overseen Morningstar's research methodologies, led thought leadership initiatives such
as the Global Investor Experience report that assesses the experiences of mutual fund
investors globally, and been involved in a variety of new development efforts. He
currently writes regular columns for Morningstar.com and Morningstar magazine.
Rekenthaler previously served as president of Morningstar Associates, LLC, a
registered investment advisor and wholly owned subsidiary of Morningstar, Inc. During
his tenure, he has also led the company’s retirement advice business, building it from a
start-up operation to one of the largest independent advice and guidance providers in
the retirement industry.
Before his role at Morningstar Associates, he was the firm's director of research, where
he helped to develop Morningstar's quantitative methodologies, such as the Morningstar
Rating for funds, the Morningstar Style Box, and industry sector classifications. He also
served as editor of Morningstar Mutual Funds and Morningstar FundInvestor.
Rekenthaler holds a bachelor's degree in English from the University of Pennsylvania
and a Master of Business Administration from the University of Chicago Booth School of
Business, from which he graduated with high honors as a Wallman Scholar.
Contributions:
Terese has over 20 years of experience working in Human Resources in high tech, higher education and healthcare industries, focusing on market driven compensation and human resources information systems. Terese is the Boston Bogleheads chapter lead and serves as the liaison between local Bogleheads chapters and the John C. Bogle Center for Financial Literacy board.
Terese holds a Master’s Degree in Labor & Industrial Relations from Michigan State University, and is a Certified Compensation Professional. She is a board member of The Literacy Center in Attleboro, Massachusetts, founded and served on the board of the North Texas Compensation Association, and the board of the New England Compensation Consortium.
Contributions:
Frazer Rice is the author of Wealth, Actually: Intelligent Decision-Making for the 1%, host of the Wealth, Actually podcast, creator of the Wealth, Actually blog, and a Northeast Regional Director for Pendleton Square Trust Company. Frazer is an attorney and experienced trust officer. His wealth management career has included serving for over 15 years as a Managing Director at Wilmington Trust Company.
Contributions:
Carl Richards is a Certified Financial Planner and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world.
Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin).
His sketches have appeared in a solo show at the Kimball Art Center in Park City, Utah as well as other showings at Parsons School of Design in New York City, The Schulz Museum in Santa Rosa, California, and an exhibit at the Mansion House in London. His commissioned work is on display in businesses and educational institutions across the globe.
He currently resides in London with his family and is available for speaking engagements and conferences both nationally and internationally.
Contributions:
Jim Richmond is the founder and President of Random Walk Ventures, LLC. He has extensive experience in the computer software industry, including management and executive positions at both large firms and startups. Jim is named inventor on a handful of computer networking and network security patents.
In addition to his work in the computer industry, from 2000 to 2010 Jim worked part time teaching undergraduate finance at a local college. He holds a Bachelors Degree in Computer Science and an MBA. Jim is also a volunteer small business mentor at SCORE.
The Flexible Retirement Planner was created in 2006 by Random Walk Ventures LLC and has undergone several updates over the years. Random Walk Ventures LLC is committed to building and continuously improving financial modeling software that is powerful, flexible and easy to use.
Contributions:
Barry Ritholtz is a Wall Street icon. He is a prolific writer, book author, newspaper columnist, long-time blogger, equities analyst, CIO of Ritholtz Wealth Management, and guest commentator on Bloomberg Television. Barry is also the host of the popular Masters in Business podcast for Bloomberg in which he interviews influential figures on markets, investing, and business. He is also a former contributor to CNBC and TheStreet.com.
Contributions:
Valerie Rivera, CFP is the founder of FirstGen Wealth, a financial planning practice dedicated to serving first-generation wealth builders nationwide. She meets clients where they are in life—without shame or judgment—to help break economic cycles and close the wealth divide.
Investopedia named her one of the Top 100 Independent Financial Advisors in the U.S., and NerdWallet recognized her as one of 8 Latino Financial Influencers to Follow. In 2024, FA Magazine named her one of the “10 Young Advisors to Watch.”
Beyond her financial planning work, Valerie serves as a Forbes Advisory board member and sits on the board of Working Credit, a nonprofit dedicated to disrupting the effects of structural racism by providing credit-building education and financial tools.
She has contributed to publications such as The New York Times, The Wall Street Journal, Forbes, Business Insider, and others regarding her expertise in personal finance.
Contributions:
Allan Roth is a licensed CPA, a Certified Financial Planner (CFP), adjunct professor, and Founder of Wealth Logic, an hourly based investment advisory and financial planning firm. He is also the author of How A Second Grader Beats Wall Street (Wiley & Sons in 2009 and 2011) and writes for AARP, Financial Planning Magazine and others. Allan has taught finance and behavioral finance at the University of Denver, Colorado College, and the University of Colorado. Despite the many credentials (CFP, CPA, MBA), Allan claims he can still keep investing simple.
Contributions:
2024 Conference: Guest Speaker
2023 Conference: Guest Speaker
2022 Conference: Speaker and Panelist
Bogleheads Chapter Series with Allan Roth and Mel Lindauer - June 12, 2021
Bogleheads Chapter Series with Allan Roth - May 20, 2021
Bogleheads Speaker Series with the Panel of Experts - Feb 19, 2021
Bogleheads on Investing Episode 8 with Allan Roth - Apr 30, 2019
Since 2012, Jennifer (Jenny) has been part of the Indiana Estate & Elder Law team. As an owner of the firm and a practicing attorney, she wears many hats for the firm and team. Though, under the many hats, you’ll usually find a smile!
Jenny obtained her bachelor’s degree in both political science and history from Butler University and a Doctor of Jurisprudence from Indiana University Robert H. McKinney School of Law.
Jenny is a member of the Indiana State Bar Association – specifically, the Elder Law Section and the Probate, Trust, and Real Property Section. She’s also a member of the American Bar Association and NAELA National Academy of Elder Law Attorneys (NAELA). Jenny is involved in Lawyers with Purpose™, Semester at Sea Alumni Organization, and Business Professionals of America Alumni Division. Through Business Professionals of America, Jenny volunteers her time by serving as a judge for high school students participating in the state and national competitions. Lastly, she is a proud Board Member for the Indiana Parkinson’s Foundation.
Jenny and her husband Justin live in Sheridan, Ind., with their (spoiled) two basset hounds and polled shorthorn cattle. (Against her better judgment, she has all the cattle named.) If not at home, she is likely either at Hinkle Fieldhouse cheering for the Butler Bulldogs, spending time with her family and friends, or traveling.
Contributions:
Steven Ryder is the President and Founder of True North Networks, LLC. Starting in 2002, True North Networks has been providing straight answers and solutions to their technology clients throughout the country.
Prior to starting True North, Mr. Ryder worked in the financial services industry, serving as Vice President of two banks, managing relationships with Fannie Mae's largest New England clients, and was CFO of the largest real estate company in New Hampshire.
Steven has been to El Salvador and Ecuador more than a dozen times not only building houses with his local Rotary group but volunteering his time and donating equipment to many local schools within those countries.
His family is currently assisting a young woman in El Salvador attend college.
Contributions:
William F. Sharpe is the STANCO 25 Professor of Finance, Emeritus at Stanford University's Graduate School of Business. He was one of the originators of the Capital Asset Pricing Model, developed the Sharpe Ratio for investment performance analysis, and has published articles in a number of professional journals. In 1990, he received the Nobel Prize in Economic Sciences.
Contributions:
Mr. George Upham Sauter, fondly known as "Gus", former Chief Investment Officer, Managing Director and Portfolio Manager of The Vanguard Group, Inc., the investment advisor of Vanguard Index Funds. Gus joined Vanguard Funds in 1987 and as the Chief Investment Officer oversaw Vanguard's Quantitative Equity and Fixed Income Groups. He holds an M.B.A. in Finance from the University of Chicago and an A.B. in Economics from the Dartmouth College.
Contributions:
Laurence B. Siegel is the director of research at the CFA Institute Research Foundation, former director of research at The Ford Foundation, former Ibbotson Associates, Inc. managing director, senior advisor to OCP Capital LLC, and an independent consultant, writer, and speaker specializing in investment management. He has won many awards for writing including the coveted Graham and Dodd Award to recognize excellence in research and financial writing in the Financial Analysts Journal. He is also the author of book Fewer, Richer, Greener: Prospects for Humanity in an Age of Abundance.
Contributions:
Michelle Singletary is a personal finance columnist for The Washington Post. Her award-winning column, "The Color of Money," appears twice a week in dozens of newspapers across the country and is syndicated by The Washington Post News Service and Syndicate.
She is a frequent contributor to various NPR programs including “1A,” “Morning Edition,” “All Things Considered.” She regularly appears on CNN’s daily and weekend programs, including New Day, and “The Situation Room with Wolf Blitzer.” She has also appeared on NBC’s “Today Show” and PBS. For two years, she hosted her own national television program, “Singletary Says,” on TV One.
Singletary is the author of four books: “What To Do With Your Money When Crisis Hits: A Survival Guide,” “The 21 Day Financial Fast: Your Path to Financial Peace and Freedom,” a perennial Amazon bestseller; “Spend Well, Live Rich: How to Live Well With the Money You Have, and “Your Money and Your Man: How You and Prince Charming Can Spend Well and Live Rich.” In 2022, she was the first-place winner of a Society for Advancing Business Editing and Writing (SABEW) Best in Business award for commentary (The IRS Is a Hot Mess). In 2021, she won a prestigious Gerald Loeb Award for commentary for “Sincerely, Michelle,” a 10-part series on race and money. The series also landed her the 2021 National Association of Black Journalist award for commentary. In 2020, The Washington Post celebrated her long and distinguished career at the paper with the Eugene Meyer Award, its highest journalistic honor.
Singletary is the director of Prosperity Partners Ministry, a monthly personal finance program she founded at her church, First Baptist Church of Glenarden. As part of this ministry, she and her husband also volunteer to teach financial literacy to incarcerated individuals in various prisons in her home state of Maryland. Singletary is a graduate of the University of Maryland, College Park, and she earned a master's degree in business and management at Johns Hopkins University.
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Harry Sit is a respected voice in the personal finance community known for his practical insights into investing, taxes, retirement planning, and getting unbiased financial advice. He runs the popular personal finance blog The Finance Buff (thefinancebuff.com), which he started in 2006 and attracts 2 million visits a year. Harry wrote two books -- Explore TIPS and My Financial Toolbox -- and a chapter in The Bogleheads' Guide to Retirement Planning.
Harry was the 7th registered user of the Bogleheads forum and a repeat speaker in the San Jose and Sacramento Bogleheads chapters
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Ed Slott, CPA, America’s IRA Expert, is a nationally recognized speaker, television personality & best-selling author known for his unparalleled ability to turn advanced tax strategies into understandable, actionable and entertaining advice.
Named “The Best Source for IRA Advice” by The Wall Street Journal, he is the go-to resource for media, regularly providing insight on breaking news affecting retirement and tax planning laws and strategies.
Mr. Slott is a Professor of Practice at The American College of Financial Services and has been recognized by leading industry organizations for his significant thought leadership and contributions. He is one of the top pledge drivers of all time with his popular public television specials. Mr. Slott is the creator of Ed Slott’s Elite IRA Advisor Group? — celebrating its 20th year in 2025 — and a best-selling author with his latest book, The Retirement Savings Time Bomb Ticks Louder: How to Avoid Unnecessary Tax Landmines, Defuse the Latest Threats to Your Retirement Savings & Ignite Your Financial Freedom (Penguin Random House, 2024). Ultimately, through all of these efforts combined, Mr. Slott has taught millions of Americans (and their financial professionals) how to get the most out of their retirement savings.
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Jorge Soriano is the founder and CEO of Financial Optimist, not just a fee-only, but an advice-only financial planning firm committed to providing financial services to clients regardless of their age or accumulated assets.
After spending the first decade of his career working for financial firms in Tampa Bay, he knew it was time to launch his own company. He founded Financial Planning For Good to guide motivated professionals and mission-driven couples to build solid relationships with their money and create financial planning strategies that are designed to grow wealth. He became a CERTIFIED FINANCIAL PLANNER™ and an IRS Enrolled Agent professional to help others pursue their goals, with a commitment to keeping things simple.
Outside the office, Soriano has been an advocate for the University of South Florida and nationally recognized financial literacy organizations such as Junior Achievement, Foundation For Financial Planning, and Family Reach.
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Jill Steinberg, Ph.D. is an Emeritus Professor at SJSU, Licensed Clinical Psychologist, Salzburg Fellow, and author and Founder of MyRetirementWorks.com.Jill Steinberg, Ph.D. is an Emeritus Professor at SJSU, Licensed Clinical Psychologist, Salzburg Fellow, and author and Founder of MyRetirementWorks.com. She received her undergraduate degree from Boston University in 1972 and doctorate in Clinical Psychology from Ohio State University in 1978. She teaches classes and has presented her research on Successful Retirement to universities including B.U., Google and other professional organizations. Her research, "Successful Retirement: From Retiring to Rewiring" was published this year in: The Aging Consumer: Perspectives from Psychology and Marketing, 2nd edition, Eds: Drolet and Yoon (Routledge, 2021). Additionally, she has been working with the University of Michigan Ross Business School since the beginning of COVID.
She received her undergraduate degree from Boston University in 1972 and doctorate in Clinical Psychology from Ohio State University in 1978. She teaches classes and has presented her research on Successful Retirement to universities including B.U., Google and other professional organi
Her research, "Successful Retirement: From Retiring to Rewiring" was published this year in: The Aging Consumer: Perspectives from Psychology and Marketing, 2nd edition, Eds: Drolet and Yoon (Routledge, 2021). Additionally, she has been working with the University of Michigan Ross Business School since the beginning of COVID.
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Larry Swedroe is a principal and Chief Research Officer of Buckingham Strategic Wealth, a 17 billion dollar wealth management company headquartered in St. Louis, MS. Since joining the firm in 1996, Larry Swedroe has spent his time, talent and energy educating investors on the elements of investing with an enthusiasm few can match.
Larry has published 17 books that explain investing in layman's terms. His first book, "The Only Guide to a Winning Investment Strategy You'll Ever Need" is in its second edition. He has since authored sixteen more books.
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Richard Sylla is Professor Emeritus of Economics at the Stern School of
Business, New York University, where from 1990 to 2015 he was Henry Kaufman
Professor of the History of Financial Institutions and Markets. Sylla is also a Research
Associate of the National Bureau of Economic Research, a Fellow of the Economic
History Association, a Fellow of the Cliometric Society, and a Fellow of the American
Academy of Arts & Sciences.
Sylla received the B.A. summa cum laude, the M.A., and the Ph.D. from Harvard
University, and a member of Phi Beta Kappa. His research focus is on the financial
history of the United States in comparative contexts. He is the author of Alexander
Hamilton: The Illustrated Biography (2016) and The American Capital Market, 1846-
1914 (1975); co-author of Alexander Hamilton on Finance, Credit, and Debt (2018),
Genealogy of American Finance (2015), The Evolution of the American Economy (1993;
1 st ed., 1980); and A History of Interest Rates (4 th ed., 2005; 3 rd ed. Rev., 1996; 3 rd ed.,
1991); and co-editor of Patterns of European Industrialization—The Nineteenth Century
(1991), Anglo-American Financial Systems: Institutions and Markets in the Twentieth
Century (1995), The State, the Financial System, and Economic Modernization (1999),
and Founding Choices: American Economic Policy in the 1790s (2011), as well as
articles, essays, and reviews in business, economic, and financial history.
Sylla is a former editor of The Journal of Economic History. During 1998-2000,
Sylla served as chair of the board of trustees of the Cliometric Society, an association of
quantitative economic historians. In 2000-2001, he was president of the Economic
History Association, the professional organization of economic historians in the United
States. In 2005-2006, he served as president of the Business History Conference (BHC),
the leading professional association of business historians; BHC presented its Lifetime
Achievement Award to him in 2011. From 2010 to 2020, Sylla served as chair of the
board of trustees of the Museum of American Finance, a Smithsonian affiliate museum,
and remains a member of its board.
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Lonnie Thibodeaux is the owner of Sargent Insurance and Financial Services. He is responsible for taking care of clients needs in Medicare plans, health insurance, and financial services.
Lonnie received his degree from Spartan College of Aeronautics and Technology.
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Derek Tharp is a senior research nerd at Kitces.com and an assistant professor of finance at the University of Southern Maine. He earned his Ph.D. in personal financial planning at Kansas State University. In addition to writing at Kitces.com, Derek regularly contributes to the wealth management section of the Wall Street Journal’s Experts Blog. His research has been published in academic journals such as Financial Planning Review, Journal of Financial Planning, Journal of Retirement, and Journal of Personal Finance.
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As a Lead Advisor at Timothy Financial Counsel, Kara Beth Vance, CFP® provides holistic financial planning advice to clients in an hourly-only format. She currently serves as the primary advisor for over 125 clients, partners with the firm's other advisors to collaborate on their clients, and leads the firm's investment committee.
Kara Beth holds a bachelor's degree in economics from Wheaton College in Illinois and is a NAPFA Registered Financial Advisor. Outside of work, Kara Beth leads a college small group through her local church and enjoys singing and training for half marathons (which she runs very slowly).
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Sunil Wahal, Ph.D., is the Jack D. Furst Professor of Finance and Director of the Center for Investment Engineering at the W.P. Carey School of Business, Arizona State University. Before joining the ASU faculty in 2005, Dr. Wahal served on the faculty at Emory University and Purdue University.
His research focuses on short- and long-horizon investment strategies (momentum, profitability and others), trading issues (trading algorithm design, trading costs and high-frequency trading), and delegated portfolio management and asset allocation for large institutional investors. His work covers public equities, fixed income and private equity. He has published extensively in The Journal of Finance, Journal of Financial Economics, The Review of Financial Studies and numerous other journals.
He serves as a consultant to Avantis Investors and was previously a consultant to Dimensional Fund Advisors (2005-2019) and AJO Partners. He sits on the investment committees of several registered investment advisors. He is also a regular speaker at academic and practitioner conferences and has given numerous presentations to sovereign wealth funds, endowments, foundations, family offices, defined-benefit plans, defined-contribution plans, and registered investment advisors.
James W. Watkins, III, is a forensic investment analyst, educator, and founder of InvestSense.com.
Mr. Watkins has extensive experience in fiduciary law, investment adviser/securities/ERISA law, financial planning, wealth management planning, retirement planning, and estate planning. He is the author of several books, including CommonSense InvestSense: The Power of the Informed Investor, The 401(k)/403(b) Investment Manual: What Plan Sponsors and Plan Participants REALLY Need to Know and The Prudent Investment Adviser Rule: Risk and Liability Management for Investment Fiduciaries.
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Roger Whitney is the founder of the Rock Retirement Club and host of the Retirement Answer Man podcast. He is also CEO of Agile Retirement Management. Roger has been a certified financial planner for more than 25 years and he has also earned the Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), and Retirement Management Advisor (RMA) designations.
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Jim Wiandt is a pioneer in the world of Exchange Traded Funds, a published author and entrepreneur. Wiandt is the founder of ETF.com and from 2002-2015 also published the Journal of Indexes, ETF Report and IndexUniverse.com. Alongside of this, he created the successful series of Inside ETFs conferences, which are the largest ETF-focused events in the world.
Jim currently heads up Donostia Ventures, an investment and consulting firm, and is the current CEO of SparkNetwork.com. He is the author of Exchange Traded Funds, a book published by John Wiley & Sons in 2001. Jim has served as an editor and writer for Compton's Encyclopedia, and worked as a contract journalist in West Africa, after serving in the Peace Corps in Niger. He is a 1991 graduate of Tufts University.
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Jim Wiandt's Spark Network, helped to coordinate the 2022 Bogleheads Conference.
Robin Wigglesworth is The Financial Times’ global finance correspondent, and author of Trillions, the book on the past, present and future of passive investing. He currently lives in Norway, but covers macroeconomics, finance, investing and markets internationally for the FT.
Robin is a graduate of City, University of London and The London School of Economics and Political Science.
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Dr. Ed Yardeni is a legendary Wall Street economist and investment strategist. He is the President of Yardeni Research, Inc., a provider of global investment strategy and asset allocation analyses and recommendations and is the author of the book Fed Watching for Fun & Profit. He previously served as Chief Investment Strategist of Oak Associates, Prudential Equity Group, and Deutsche Bank's US equities division in New York City. He was also the Chief Economist of CJ Lawrence, Prudential-Bache Securities, and EF Hutton. He taught at Columbia University's Graduate School of Business and was an economist with the Federal Reserve Bank of New York. He also held positions at the Federal Reserve Board of Governors and the US Treasury Department in Washington, D.C.
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Mark Zoril is the founder of PlanVision. Mark has 27 years of direct client work experience in the financial services industry. He started his career helping smaller companies establish employer based retirement plans. However, his efforts over the years evolved to primarily helping individuals plan and prepare for their financial futures.
Mark received his B. A. from Southern Methodist University.
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Jason Zweig is an investing and personal-finance columnist for The Wall Street Journal. He is the author of The Devil’s Financial Dictionary, a satirical glossary of Wall Street (PublicAffairs Books, 2015), and Your Money and Your Brain, on the neuroscience of investing (Simon & Schuster, 2007). Zweig edited the revised edition of Benjamin Graham’s The Intelligent Investor (HarperCollins, 2003), the classic text that Warren Buffett has described as “by far the best book about investing ever written.” Zweig also wrote The Little Book of Safe Money (Wiley, 2009); co-edited Benjamin Graham: Building a Profession, an anthology of Graham’s essays (McGraw Hill, 2010); and assisted the Nobel Prize-winning psychologist Daniel Kahneman in writing his book Thinking, Fast and Slow. From 1995 through 2008 Zweig was a senior writer for Money magazine; before joining Money, he was the mutual funds editor at Forbes. Zweig has also been a guest columnist for Time magazine and cnn.com. He has served as a trustee of the Museum of American Finance, an affiliate of the Smithsonian Institution, and sits on the editorial boards of Financial History magazine and The Journal of Behavioral Finance. A graduate of Columbia College, Zweig lives in New York City.
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