Robert R. Johnson, Ph.D., CFA, CAIA, is a professor of finance at Creighton University and chairman and CEO of Economic Index Associates, LLC.| Bankrate
Brian Beers is the managing editor for the Wealth team at Bankrate. He oversees editorial coverage of banking, investing, the economy and all things money.| Bankrate
Brian Baker covers investing and retirement for Bankrate. He is a CFA Charterholder and previously worked in equity research at a buyside investment firm. Baker is passionate about helping people make sense of complicated financial topics so that they can better plan for their financial futures.| Bankrate
Bankrate principal writer and editor James F. Royal, Ph.D., covers investing and wealth management. His work has been cited by CNBC, the Washington Post, The New York Times and more.| Bankrate
At Bankrate, we take the accuracy of our content seriously. Many of our articles are reviewed for accuracy and relevancy by a panel of financial experts. They hold us accountable for publishing content that’s objective, balanced and worthy of your trust.| Bankrate