The Balance Financial Review Board

Meet our Review Board members and learn more about our process

We know that finding trustworthy financial advice online can be difficult and confusing—the internet is full of unverified information and personal opinions masquerading as facts. In order to help you feel confident making money decisions, we prioritize publishing fact-checked articles that are up to date with industry developments and trends. To ensure we’re reaching that goal, we created the Financial Review Board, a group of professionals with wide-ranging expertise in the financial industry, from professors to certified financial planners. These experts comb over our content and work with our editorial team to make sure we’re giving you the best possible information, every time.

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Who Is On The Board?

Our board boasts experts with 100+ years of combined financial experience and a range of specialties, like taxes, investing, debt, financial planning, and economics. We hand-picked these members based on their impressive credentials and ability to communicate sometimes difficult or dense concepts to a broad audience.

Somer G. Anderson
Professor
Somer G. Anderson

Somer G. Anderson is an Accounting and Finance Professor with a passion for increasing the financial literacy of American consumers. She has been working in the Accounting and Finance industries for over 20 years.

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Anthony Battle
Certified Financial Planner
Anthony Battle

Anthony Battle is a financial planning expert, entrepreneur, dedicated life long learner and a recovering Wall Street professional. He has been working in the finance industry for 15+ years and is a fierce advocate for including financial literacy as a basic educational requirement in public education.

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Janet Berry-Johnson
CPA & Writer
Janet Berry-Johnson

Janet Berry-Johnson is a CPA and freelance writer. She earned the CPA designation in 2009. After ten years working as both an auditor and tax consultant, Janet left public accounting to focus on writing about income taxes and small business accounting. 

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Michael J Boyle
Michael Boyle

Michael Boyle is an experienced financial professional with 9+ years working with Financial Planning, Derivatives, Equities, Fixed Income, Project Management, and Analytics.

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Thomas J. Brock
Thomas Brock

Thomas Brock is a well-rounded financial professional, with over 20 years of experience in investments, corporate finance, and accounting.

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Dr. JeFreda R. Brown
Founder and CEO of Xaris Financial Enterprises
Dr. Brown

Dr. JeFreda R. Brown is a financial consultant, educator, entrepreneur, and researcher. She has 20+ years of professional finance experience across federal, nonprofit, corporate, and academic sectors. She is extremely passionate about helping others become financially literate, develop strong financial skills, and establish lasting financial health and wellness.

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Thomas J. Catalano
Financial Advisor
Thomas Catalano

Tom Catalano is the owner and Principal Advisor at Hilton Head Wealth Advisors, LLC. He holds the coveted CFP designation from The Certified Financial Planner Board of Standards in Washington, DC, and is a Registered Investment Adviser with the state of South Carolina.

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Marguerita Cheng
Certified Financial Planner
Marguerita Cheng Headshot

Marguerita M. Cheng is the Chief Executive Officer at Blue Ocean Global Wealth. Prior to co-founding Blue Ocean Global Wealth, Marguerita was a Financial Advisor at Ameriprise Financial and an Analyst and Editor at Towa Securities in Tokyo, Japan. Marguerita is a spokesperson for the AARP Financial Freedom Campaign and a regular columnist for Kiplinger. She is a CFP® professional, a Chartered Retirement Planning CounselorSM, a Retirement Income Certified Professional® and a Certified Divorce Financial Analyst.

Marguerita studied at Keio University in Tokyo, Japan, and earned her B.S. in Finance and her B.A. in East Asian Language and Japanese Literature from the University of Maryland, College Park. She is a recipient of the Ameriprise Financial Presidential Award for Quality of Advice and the prestigious Japanese Monbukagakusho Scholarship.

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Doretha Clemon
Senior Project Executive
Doretha

Doretha is a corporate IT executive and professor for 34 years. She has been a real estate investor in CA and CT for 21 years and trades equities, fixed income securities and derivatives to maximize retirement income. She advises on debt, credit repair, government mortgage funding and down payment assistance and tax savings on properties in HUD opportunity zones and enterprise zones.

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Amy Drury
Amy Drury

Amy started her finance career with Deloitte, gaining the ACA qualification in London before moving into a corporate finance role focusing on mid-cap companies.

Currently based in New York, Amy's client list includes recognized Wall Street names as well as educational institutions. She aims to make her classes practical, interactive and as close to the experience of working in a bank as possible. Tutorials and lessons are conducted at the computer, building models, using Excel and solving problems real-time and with real-company data.

As well as teaching in the classroom, Amy has written for a number of publications and contributed to an accounting and investment banking textbook, and produced online e-learning content.

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Eric Estevez
Financial Professional
Eric Estevez

Eric Estevez is financial professional for a large multinational corporation. His experience is relevant to both business and personal finance topics. 

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Ebony J. Howard
Ebony Howard

Ebony Howard is a certified public accountant and credentialed tax expert. She has been in the accounting, audit and tax profession for 13+ years. 

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Margaret James
Peggy James

Peggy James is a CPA with 8 years of experience in corporate accounting and finance who currently works at a private university, and prior to her accounting career, she spent 18 years in newspaper advertising. She is also a freelance writer and business consultant.

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Robert C. Kelly
Managing Director

Robert Kelly is involved in developing energy projects utilizing emerging technologies including renewable energy (solar, wind) and natural gas. He is a graduate school lecturer and has been developing and investing in energy projects for 35+ years.

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Khadija Khartit
Khadija Khartit

Khadija Khartit is a strategy, investment, and funding expert with over 25 years of experience. She is an educator of fintech and strategic finance at top universities.

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David Kindness
Senior Accountant & Tax Expert
David Kindness

David Kindness is an accounting, tax and finance expert. He has helped individuals and companies worth tens of millions achieve greater financial success.

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Julius Mansa
Senior Analyst & Investor
Julius Mansa

Julius Mansa is a finance, operations, and business analysis professional with over 14 years of experience improving financial and operations processes at start-up, small, and medium-sized companies.

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Charles Potters
Capital Markets Lecturer and Historian
Charles Potters

Charles is a nationally recognized capital markets specialist and educator with over 30 years of experience developing in-depth training programs for burgeoning financial professionals. Charles has taught at a number of institutions including Goldman Sachs, Morgan Stanley, Societe Generale, and many more.

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Erika Rasure
Assistant Professor of Business & Finance
Erika Rasure

Erika Rasure, Ph.D., is an Assistant Professor of Business and Finance at Maryville University. She is an expert in personal financial planning and practices as a financial therapist.

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Brandon Renfro
Financial Planner, adjunct professor, and Writer
Brandon Renfro

Brandon is a financial planner with expertise in retirement, investing, and taxes. He has a well-rounded perspective on personal finance as an academic, practitioner, and writer.

His professional certifications include the Certified Financial Planner designation, Retirement Income Certified Professional, and Enrolled Agent.

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Charlene Rhinehart
CPA, Author, and Speaker
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Charlene Rhinehart is the Founder and Editor-in-Chief of The Dividend InvestHER. She’s been a CPA for over a decade and has served as the Chair of the Illinois CPA Society Individual Tax Committee.

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Gordon Scott
Gordon Scott Headshot

Gordon Scott has been an active investor and has provided education to individual traders and investors for over 20 years. He is a licensed broker, an active trader, and proprietary day trader. He was the managing director for the Chartered Market Technician (CMT)® program offered by the CMT Association. 

Gordon had an additional seven years of experience as a trading coach at Beacon Learning Group. Gordon's career also includes 10-years with International Business Machines Corporation (IBM), where he developed instructional materials and business process refinement. He also was an Adjunct Instructor at Brigham Young University–Organizational Strategy and Leadership department.

 

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Samantha Silberstein
Financial Consultant/Financial Wellness Coach
Samantha Silberstein

Samantha Silberstein is a Financial Consultant and Financial Literacy Coach. She is a CERTIFIED FINANCIAL PLANNER™ currently based out of Northern California. She provides financial education and advice through 1:1 sessions, customized workshops and personalized webinars. Her day to day is filled with 1-on-1 conversations about 401ks/403bs, ERISA guidelines, IRAs, student loans, tracking spending, creating budgets, debt repayment strategies, pretax/Roth contributions/savings, and other non-retirement saving options/vehicles.

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Andy Smith
Financial Planner and Realtor
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Andy Smith is a self-employed consultant, Certified Financial Planner (CFP®), licensed realtor and educator. He is an expert on investing, loans, and financial planning. He has been a financial manager and investor for more than 35 years. Andy received his MBA from Rivier University, his Master’s in Personal Financial Planning from the College for Financial Planning, and his Bachelor’s from the University of South Carolina in Real Estate and Finance.

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Chip Stapleton
Financial Analyst
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Chip Stapleton is a Financial Analyst, Angel Investor, and former Financial Planner & Business Advisor of 7+ years. He currently holds a Series 7 and Series 66 licenses. He has experience with case design, product knowledge, investment analysis, investment recommendation, portfolio construction, asset management, financial statement analysis, business planning, and business exit strategies.

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Lea D. Uradu
Lea Uradu

Lea D. Uradu, JD is an American Entrepreneur and Tax Law Professional. Professionally, Lea has occupied both the tax law analyst and tax law adviser role. Lea has years of experience helping clients navigate the tax world.

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Toby Walters
Senior Financial Analyst
Toby Walters

Toby Walters is a financial writer, investor, and lifelong learner. He has a passion for analyzing economic and financial data and sharing it with others.

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Peter Westfall
Professor
Peter Westfall headshot

 Peter H. Westfall achieved Associate, Full and Horn Professor ranks at the Rawls College of Business at Texas Tech University (Horn Professor is the highest possible rank), as well as honorary fellowships in learned societies. He has also received several awards for his statistical writings, including a Distinguished Technical Communication award from the Carolina Chapter of the Society for Technical Communication. 

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Roger Wohlner
Financial Advisor
Roger Wohlner Headshot

Roger is a financial writer who brings his extensive experience as a financial advisor to his writing. His background and experience provide his clients with a unique perspective that most financial writers just can’t offer.

Roger is fluent on a wide range of financial topics, including financial planning; investments; retirement planning; mutual funds; ETFs; 401(k) plans, pensions, and other employer sponsored retirement plans; planning issues for baby boomers, millennials, and Gen X; and content geared for financial advisors and retirement plan sponsors

 

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How Does The Review Board Work?

Each article is written by an expert in their respective financial field, often certified professionals like CPAs and CFPs. Then, we assign the article to the best-suited Review Board member, based on their expertise. From there, our board members read each article thoroughly, evaluating it for accuracy and relevancy, and pass it back to the editorial team to make any necessary adjustments. Finally, the article receives an official stamp indicating it has been reviewed by a member of our Financial Review Board. Our Review Board members’ extensive training and experience, paired with our editorial know-how, give you the best answers to your money questions.

How Do I Know If An Article Was Reviewed?

You may notice a check mark appear at the top of some articles. The check mark signifies that a board member has reviewed the article, taking special care to confirm that the information presented is both accurate and up-to-date.

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We Appreciate Your Feedback

We are here to serve you, and we strive to provide the very best information so you can make confident financial decisions. If you think we could be doing better, we want to hear about it.

If you have any questions about the relevance or accuracy of any articles, or about our review process, please email us at contact@thebalance.com.