Why you shouldn’t be tempted by BNPL credit cards
Buy now, pay later credit cards aren’t likely to be your best option. Here’s why.
5 min read
Jun 30, 2025
Kenneth Chavis IV
Senior wealth advisor at Versant Capital Management
Kenneth Chavis IV is a Senior Wealth Advisor at Versant Capital Management, a $900 million wealth management firm founded in Phoenix, AZ. Versant provides investment management, wealth strategy, financial planning, and tax advice to business owners, wealthy families, and women experiencing life transitions. Versant's advisors serve clients as fee-only fiduciaries, with an emphasis on growing and preserving multi-generational wealth.
Kenneth's career in the wealth management industry spans nearly a decade. In prior roles he served business owners and entertainers as a Senior Wealth Manager at LourdMurray and previously served executives, business owners and medical doctors as a Financial Advisor at Empirical Wealth Management.
Kenneth's experience includes providing advanced financial planning, retirement planning, tax planning and investment management to equity-compensated executives, business owners and engineers with stock compensation at many Fortune 100 companies on the West Coast, including Intel, Microsoft, Nike, Alphabet (formerly Google), Apple and Amazon.
Kenneth has received multiple industry awards and recognition, including the InvestmentNews 40 under 40 in 2023, the Investopedia Top 100 Financial Advisor in 2022 and 50 Under 50 by the Association of African-American Financial Advisors in 2021 and 2020, recognizing the most outstanding and influential Black and African American financial professionals in the country.
Kenneth has been interviewed on national television on the topics of personal finance, investing and the economy. He has also been quoted in financial media publications including Wall Street Journal, CNBC, Business Insider, TIME, Nasdaq, MarketWatch, NerdWallet, Bankrate and MoneyGeek.
Kenneth is a CERTIFIED FINANCIAL PLANNER™ professional, holds a Certificate in Financial Planning from Boston University and earned a Bachelor of Science in Business Economics from Hawaii Pacific University, where he graduated summa cum laude.
Kenneth is a member of the Financial Planning Association of Greater Phoenix and an advisory member of the Association of African American Financial Advisors.
Connect with Kenneth on LinkedIn and follow him on Instagram at @good4yourmoney.
Kenneth's latest articles
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Expense ratio: What’s considered a good one and how these fund costs are calculated
A fund with a high expense ratio could cost you 10 times – maybe more! – what you might otherwise pay.
6 min read Jun 26, 2025 -
Money market funds: How to invest in these highly liquid, low-risk types of mutual funds
Lay away cash for an emergency or short-term goals with a money market mutual fund.
4 min read Jun 26, 2025 -
Roth 401(k) vs. 401(k): Which one is better for you?
The choice between a 401(k) and a Roth 401(k) depends a lot on your individual situation.
9 min read Jun 26, 2025 -
Pros and cons of government 457(b) retirement plans
Many civil servants save for retirement with their own type of 401(k).
6 min read Jun 26, 2025 -
Got a stash of $2 bills? Here’s how to check if they’re worth thousands
Certain $2 bills can fetch thousands of dollars on the collector’s market.
3 min read Jun 26, 2025 -
When should you remove yourself as an authorized user?
The authorized user relationship isn’t designed to last forever.
6 min read Jun 25, 2025 -
Guide to WebBank and its credit cards
If you’re a credit-builder or small-business owner, our WebBank guide will show you which WebBank card might be a good match for you.
10 min read Jun 25, 2025