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James F. Royal, Ph.D. covers investing, financial markets, wealth management, and retirement issues such as IRAs and 401(k) plans – helping individuals make smart financial decisions that can positively and significantly improve their lives. He’s been investing in the markets for more than two decades, starting to invest during the “dotcom” boom and bust.

His work has been cited across major media, including CNBC, the Washington Post, The New York Times, CNN International and the Associated Press, and he has appeared on TV and radio in countless media outlets. James is also the author of The Zen of Thrift Conversions and Options Trading 101.

When he’s not thinking and writing about investing, James enjoys reading, French cinema and playing Jeopardy, having appeared on the TV game show.