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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

  • 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.

    Sep 15, 2023
  • Wealthfront Review 2023

    Wealthfront ranks among the best robo-advisors, offering sophisticated portfolio management, a top cash management account and some of the most useful planning tools. Wealthfront scores big in all major areas – then somehow does it all at low cost, too.

    Sep 13, 2023
  • Charles Schwab Review 2023

    Charles Schwab offers a robust and cost-effective platform that offers something for everyone, from a wide array of commission-free funds to deep research to rich educational resources.

    Sep 12, 2023
  • Schwab Intelligent Portfolios Review 2023

    You might initially think of broker Charles Schwab only as an option for “do-it-yourself” investors, but the dean of discount offers up a highly competent robo-advisor, too: Schwab Intelligent Portfolios.

    Sep 12, 2023