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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

  • M1 Finance Review 2024

    M1 Finance straddles the line between broker and robo-advisor, between letting you run wild and giving you basic tools and portfolios that can guide you. It’s in a strange limbo, but those who fit the mix of features offered at M1 Finance may find it especially useful and won’t be able to imagine going elsewhere.

    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