Stephen Kates, CFP

About Stephen

About the author

Stephen Kates is a CFP® professional and personal finance expert specializing in financial planning and education. He serves as a Financial Analyst for Bankrate, where he provides strategic insights on economic trends, wealth management, and practical ways to make better financial decisions in everyday life.

With more than 15 years of experience in the financial industry, Stephen focuses on demystifying the economy and financial markets to help consumers and investors navigate a complex system with greater confidence. His work has included developing financial strategies for individuals, families, and business owners, covering areas such as debt management, retirement and estate planning, and aligning financial assets with evolving lifestyle priorities. He is passionate about financial literacy and is committed to simplifying complex topics so that financial planning is accessible to everyone.

Stephen began his career as a financial advisor in Boston, Massachusetts. Early in his career, he worked at two of the largest financial services firms in the country, Fidelity Investments and TIAA, where he helped hundreds of clients navigate financial challenges and build comprehensive plans to grow and protect their wealth.

As an industry expert, Stephen writes and speaks on topics related to personal finance, retirement, and wealth building. He has appeared on national broadcasts, including ABC, NBC, CBS, and Fox Business, and has been quoted in leading publications such as Bloomberg, The New York Times, Axios, USA Today, The Hill, and Newsweek.

Stephen lives and works in Charlotte, North Carolina, with his wife, Kate, and their two children. He remains a devoted Boston sports fan while also enjoying football and hockey games in his adopted home. An avid traveler, he enjoys collecting local artwork during family trips.

Stephen beyond Bankrate

TikTok financial advice red flags

Trump gets spot of good news from delayed January jobs report

How AI can help homeowners maximize tax refunds

Pay attention to your savings before the Fed cuts rates

Stephen wants you to know

Building wealth and achieving your goals requires will, skill, and time. There is no shortage of internal and external obstacles that can slow financial progress, but patience and discipline tend to produce positive results, whether you are creating your first emergency fund or planning for retirement. Do not hesitate to ask for help along the way.