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James Royal, Ph.D.

Principal writer, investing and wealth management
  • Investing
  • Wealth management
  • Behavioral finance
  • Stock analysis
  • Bachelor of Science in management, University of Florida
  • Master of Arts in English, University of Florida
  • Doctorate in English, University of Florida

About the author

Bankrate principal writer and editor James F. Royal, Ph.D. covers investing and wealth management. His work has been cited across major media, including CNBC, the Washington Post, The New York Times and the Associated Press. Royal believes in the power of education to help individuals make smart financial decisions that can positively and significantly improve their lives.


James is the author of The Zen of Thrift Conversions. He’s a veteran writer and stock analyst with a history of working in the financial-services industry, including at the Motley Fool and Bankrate.


Royal has a bachelor’s degree in management as well as master’s and doctoral degrees in English earned at the University of Florida.

Media mentions

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

— James Royal, Ph.D.

James's latest articles

  • Betterment Review 2023

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

    Oct 18, 2023
  • Robinhood Review 2023

    Zero-commission broker Robinhood is a good gateway to the stock market if you've never invested before, but the majority of investors will quickly hit a wall even if the price is right.

    Sep 18, 2023
  • Interactive Brokers Review 2023

    If you're not afraid to dive into the market with both feet, Interactive Brokers is the most powerful and customizable platform available.

    Sep 18, 2023