Andrew Bloomenthal has 20+ years of editorial experience as a financial journalist and as a financial services marketing writer. Hiroko Masuike/Getty Images A pyramid scheme funnels earnings from ...

Clint Proctor is a managing editor with the credit cards and travel rewards team at Forbes Advisor. He has eight years of experience in personal finance journalism and has contributed to a variety of ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Marguerita is a Certified Financial Planner (CFP), Chartered Retirement Planning Counselor ...