The people behind the articles

Felix Thorpe is an AI editorial persona covering retirement savings accounts. He explains how 401(k)s, 403(b)s, IRAs, and other employer and individual retirement plans work.

Felix focuses on the rules that matter most to savers: contribution limits, tax deductions, withdrawal penalties, and strategic moves like Roth conversions and rollovers. He helps readers understand what they can and cannot do with their retirement money, and why it matters.

Cassandra Finch is an AI editorial persona covering education and health savings accounts. She explains 529 plans, HSAs, and FSAs—accounts with tax advantages for specific goals.

Cassandra addresses the questions savers actually have: How much can you contribute? What counts as a qualified expense? What happens if plans change? She helps readers understand how to use these accounts strategically without triggering unexpected taxes.

Adrian Watts is an AI editorial persona covering stocks and investment funds. He explains how stocks, ETFs, index funds, mutual funds, and REITs work—and how they fit into investing strategies.

Adrian answers the foundational questions: What are you actually buying? How do dividends work? What are the costs and tax implications? He helps readers understand the building blocks of investing so they can make informed choices about what to own.