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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

  • Robinhood Review 2024

    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.

    May 08, 2024
  • TD Ameritrade Review 2023

    If you're a novice investor but serious about getting more involved with the market, TD Ameritrade will hold your hand every step of the way.

    May 08, 2024
  • tastytrade Review 2024

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

    May 08, 2024
  • Lightspeed Review 2023

    Lightspeed brokerage focuses on serving active traders with large amounts of trades, and offers benefits like lower prices and access to multiple powerful trading platforms, but it doesn’t prioritize small costs offered by other brokers.

    May 08, 2024
  • A woman working on a laptop and a man looking over her shoulder, paying close attention

    Best IRA accounts in April 2024

    If you’re looking to get off to a fast start on your retirement finances, an IRA is a great place to begin.

    10 min read Apr 01, 2024