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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

  • Ellevest Review 2023

    Founded by Wall Street veteran Sallie Krawcheck, Ellevest makes its pitch to women with planning that addresses their specific financial needs. But don’t overlook Ellevest just because you may not identify as a woman.

    Jul 21, 2023
  • tastytrade Review 2023

    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.

    Jul 12, 2023
  • E-Trade Core Portfolios Review 2023

    E-Trade Core Portfolios offers a reasonably priced robo-advisor with some of the lowest-cost portfolios in the industry, making it a good fit for those looking to keep a lid on their costs.

    Jul 11, 2023
  • Titan Review 2023

    Titan is a registered investment advisor that runs separately managed accounts, actively investing your money in a sophisticated portfolio that it designs itself – not the usual run of ETFs used by other robo-advisors.

    Jul 05, 2023