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Lucas Downey is the co-founder of MoneyFlows, and an Investopedia Academy instructor. Samantha (Sam) Silberstein, CFP®, CSLP®, EA, is an experienced financial consultant. She has a demonstrated ...

Carol M. Kopp edits features on a wide range of subjects for Investopedia, including investing, personal finance, retirement planning, taxes, business management, and career development. Amy is an ACA ...

Shelby Putnam Tupper is founder and creative director of Shelby Designs Inc., a small-but-mighty, full-service, customer-obsessed design consultancy.