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Sustainability, giving back, ft pink 130, our standards, life at ft blog, early careers, stay connected, november 28, 2022, financial times announces editorial leadership changes.

The Financial Times has announced a series of leadership changes in the newsroom and at FT Weekend.

FT editor Roula Khalaf said: “These appointments are motivated by my conviction that change and innovation are crucial to our success. I'm deeply grateful to senior editors who are changing portfolios and look forward to drawing on their energy and expertise in their new roles.”

After nearly seven years as FT Weekend editor, Alec Russell will move to the new role of foreign editor. Under his leadership, Russell launched FT Weekend festivals in London and Washington, and Globetrotter, the FT's insider guides to cities. The FT Weekend newspaper has seen circulation increase by double digits in the past two years.

Janine Gibson will take over as FT Weekend editor. Gibson has played an instrumental role in the FT's digital success since joining the FT in 2019, from the overhaul of the home page and the growth in visual and data journalism, and the launch of the FT Edit app. These changes take effect from 1 March 2023.

After four years as news editor, Matthew Garrahan has been appointed head of digital platforms and strategy and will write a biweekly column. Garrahan’s tenure leading the FT’s news coverage has spanned a tumultuous period which has included the Covid-19 pandemic, Donald Trump’s defeat in the 2018 presidential election and Russia’s invasion of Ukraine. 

Tom Braithwaite will become news editor, having been companies editor for the past four years, overseeing a strategic shift in coverage to high-impact and high-value stories. 

Anne-Sylvaine Chassany has been appointed companies editor and an assistant editor. Chassany joined the FT as private equity correspondent more than a decade ago, before serving as Paris bureau chief and then world news editor. The three newsroom changes will take effect at the end of January 2023.

These changes come off the back of a hugely successful year with the FT’s journalism driving record readership, while new formats and innovations secured strong gains in engagement. In 2021 the FT reached a record paying readership and a record number of digital only subscribers. The FT won 35 global awards for its journalism in 2021, and 32 so far in 2022.

For more information please contact: Mark Staniland | [email protected]

About the Financial Times

The Financial Times is one of the world’s leading business news organisations, recognised internationally for its authority, integrity and accuracy. The FT has a record paying readership of 1.2 million, more than one million of which are digital subscriptions. It is part of Nikkei Inc., which provides a broad range of information, news and services for the global business community.

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The 8 Best Books for Financial Professionals in 2024

From the ultimate cautionary tale to managing risk and preserving family wealth

Michelle Lodge is a contributor to Investopedia, who is also a writer, editor, and podcaster.

financial times book review editor

As financial professionals, honesty, trustworthiness, skill, and knowledge matter to clients, as you help them make important decisions about their lives and future. However, in your professional world, there’s also hype and bravado and, yes, criminal activity and fraud, which may litter your journey. Our book choices help you navigate what’s before you. 

We begin our list with the best overall book, which lays out a cautionary tale of a once-respected financial professional who was leading a double financial life, duping his clients worldwide to the tune of $65 million. Jim Campbell’s Madoff Talks: Uncovering the Untold Story Behind the Most Notorious Ponzi Scheme in History tells the story of Bernard “Bernie” L. Madoff in Madoff’s own words. The book is part confessional and part an attempt by Madoff to rewrite his role in the narrative.

Ellen Carr and Katrina Dudley’s Undiversified: The Big Gender Short in Investment Management makes the case for having more women in investment management , which now stands at a scant 10%.

Then, as you know, assets under management (AUM) rule the world of financial professionals. Mitch Anthony and Paul Armson make the argument to transform your practice into one that considers the goals and lives of clients first in Life Centered Financial Planning: How to Deliver Value That Will Never Be Undervalued.

Best Overall: Madoff Talks: Uncovering the Untold Story Behind the Most Notorious Ponzi Scheme in History  

financial times book review editor

“Bernie would never screw you” or a variation of that phrase is what was often conveyed about Bernard L. Madoff, the largest Ponzi schemer of all time, whose swindle against often deep-pocketed and unwitting individuals, families, and organizations was worth about $65 billion. Often referred to affectionately as “Uncle Bernie” by his clients, Madoff defrauded some 40,000 people or institutions worldwide, who turned over millions to him, thinking he was investing it well for them.

Before Madoff’s 2008 arrest, he was known as a respected Wall Street financier, who spearheaded the computerization of made markets, which led to the creation of Nasdaq , and ran a successful broker-dealer firm headquartered in midtown Manhattan. Unbeknownst to those at that legitimate firm, there existed an elaborate Ponzi scheme operation two floors down in the same building, which took in billions and pumped out false gains on paper to his “investors,” often reflecting better returns each year, even when the market was down.

Those who lost their money to their “financial advisor,” Madoff, failed to ask him if he was fiduciary , how he was investing their money, how he got paid, what their all-in costs were, what asset allocation he had selected for them, what investment benchmark he used, or what the tax cost was to them. It turned out that a lot of other people and institutions skipped those critical questions, too—including the U.S. Securities and Exchange Commission (SEC) , which investigated Madoff’s legitimate business four times without uncovering his illegal operation.

Madoff, who died in federal prison in North Carolina in 2021, decided to talk with radio host Jim Campbell candidly and waived his attorney-client privilege to give the author more access, after Campbell met with Madoff’s wife, Ruth, and son, Andrew. Campbell’s book is the only one that exposes the felon’s unfettered thoughts about his crime.

According to Campbell, Madoff saw himself as a do-gooder and hard worker who built a global business, and believed, in part, that he was corrupted by his clients’ greed. “The greed that is latent in all of us raised its head,” Madoff told Campbell. “The millions and then billions were not enough for some of these clients. My design of a strategy to fulfill their greed for more tax savings, together with my own ego and need to continue to prove my investing prowess, as well as my own insecurities and mistaken trust, led me down a path of destruction. This may be too simple a story for everyone, but that is the story.”

Best Quick Read on Strategizing Your Business: Strategy Plain and Simple

financial times book review editor

Business writer Vaughan Evans slims down his message about strategy into three points in Strategy Plain and Simple . He previously wrote the Financial Times Essential Guide to Developing a Business Strategy: How to Use Strategic Planning to Start Up or Grow Your Business and the Financial Times Essential Guide to Writing a Business Plan: How to Win Backing to Start Up or Grow Your Business.

In this 60-minute-or-so read, Evans lays out how to forecast and anticipate demand , target the strategic gap and bridge it, and balance risk and opportunity. The book features compelling examples of well-known businesses that faltered and then bounced back after instituting an effective strategic plan.

While Evans’ book is for a general business audience—not specifically those in the financial professions—the advice is relevant, actionable, and efficiently delivered.

Best on Managing Risk, with Humor: An Economist Walks into a Brothel

financial times book review editor

Financial professionals are all about weighing risks for their clients to help grow their portfolios —and for themselves, to help grow their business. Economist, author, and journalist Allison Schrager has written a smart, joyful book with an irresistible title that spells out how people in brothels and elsewhere make or avoid risky decisions, and how to weigh risks.

As the book opens, Schrager is at the Moonlight BunnyRanch in Nevada to research the risks encountered by sex workers, of which there are many, including many life-threatening ones. She also interviewed a paparazzo who stakes out celebrities for hours and days in hopes of coming up with a well-paid shot, and surfers (“Big wave surfers are just like actuaries , only with better tans”) of giant waves, who at times must wait in shark-infested waters for the big one to come. There are many dangers in all of those situations, but potentially huge rewards.

“Using risk measurement and management when you make a decision, big or small, is similar to taking a road trip with a map,” Schrager writes. “The map certainly increases the odds of a successful journey, but it can’t tell you if a truck will smash into your car.” As a financial professional, you must take the trip anyway.

Best on Lack of Gender Diversity in Financial Services: Undiversified: The Big Gender Short in Investment Management

financial times book review editor

“Diversity is a core principle of investing,” write authors Ellen Carr and Katrina Dudley in Undiversified: The Big Gender Short in Investment Management . “Yet money managers have not applied it to their own ranks. Only about 10% of portfolio managers—those most responsible for investing your money—are female, and the numbers are even worse at the ownership level.” Throughout the financial services industry, women are in the minority.

These two experienced financial professionals call up their own experiences and weave in research to spell out the barriers to women in the field at every stage—education, recruitment, and promotions—and proffer the benefits for not only the women who want to thrive in the field, but also to the industry that caters to women now that they hold the majority of personal wealth in the United States.

Work-life balance is frequently cited as a reason that women don’t thrive in the financial services professions. Carr and Dudley disagree and cite a 2016 CFA Institute study that found that a majority of men and women (66% and 63%, respectively) maintained that it wasn’t difficult to take time off when working in investment management.

Best on Rethinking the Assets Under Management (AUM) Model: Life Centered Financial Planning: How to Deliver Value That Will Never Be Undervalued

financial times book review editor

Financial consultants Mitch Anthony and Paul Armson argue that it’s time to reconsider whether the model of assets under management (AUM) is the best one for financial professionals to zero in on. Considering the whole of their clients as people and their goals is more effective, Anthony and Armson contend:

“How many times have we overhead advisers telling stories prefaced with, ‘I’ve got this $5 million client…’ and wondered to ourselves what would that client think if he or she were standing here and listening to that prefacing of the relationship. It’s difficult to see who clients are when our eyes are so pragmatically tuned to seeing what they have .”

The authors are co-founders of the consultancy Life Centered Planning, which recommends that financial professionals shift their focus, so that their clients realize an abundant life. In three parts, the book:

  • Advocates that financial advisors help ensure that clients have a richer life
  • Promotes developing “ soft skills ”—empathy, listening, behavioral intervention techniques, and conflict management—as a way of getting to know their clients and what’s important to them
  • Urges financial professionals to put the fulfilled life of their clients ahead of money

Best on Perpetuating Family Affluence Across Generations: Complete Family Wealth

financial times book review editor

The experts who wrote this book, now in its 20th year and revised in 2022, are James E. Hughes Jr., a retired attorney and author of several books on preserving family prosperity; Susan E. Massenzio, a psychologist and co-founder of the consultancy and think tank Wise Counsel Research; and Keith Whitaker, an educator and co-founder of Wise Counsel Research.

The trio has merged strengths to come up with a formula for advising rich families on how to retain their money over generations. While the book has been written for the wealthy client, it’s a foundational resource for the financial professional who hopes to develop family clients over multiple generations.

In the book’s three sections, it defines:

  • What enterprise, family, and wealth are
  • Who the family’s key, productive players are in managing its wealth
  • How, or what steps, families can take to augment family holdings

This edition includes a new chapter that delves into measures, which are to learn, labor, love, laugh, and let go, that can enhance the lives of well-off family members.

This is an excellent instructional book about managing generational wealth. What’s missing, however, is any discussion of the racial wealth gap in the U.S. and the structural inequality that has created it. Addressing this issue would have provided additional perspective about family wealth and the obstacles that many Americans face in creating and preserving it. For more on that issue for Black Americans, check out Understanding How to Build Black Generational Wealth, below. Unfortunately, a search turned up no books on developing wealth for America’s Native peoples.

Best Primer on Building Black Wealth: Understanding How to Build Black Generational Wealth

financial times book review editor

Esi Kagale Agyeman Gillo notes that after Native Americans, African Americans have the highest poverty rate, at nearly 21%, more than double that of Whites, who are at about 8%, in her practical, thought-provoking book Understanding How to Build Black Generational Wealth . Agyeman Gillo is the co-founder with her husband, Peter Markeeo Gillo, of DIFFvelopment, a seven-year-old nonprofit that develops “unique ways to foster sustainable global Black empowerment,” the book explains.

Agyeman Gillo lays out how you can build wealth in chapters on economic and employment realities and create generational and communal wealth through what she calls “Afropreneurship,” in which she promotes working for yourself over being an employee, and “Afrophilanthropy,” in which she suggests you give to charities that are meaningful. She presents quizzes and charts throughout to help you determine where you stand and what needs to be done to expand your affluence.

Best for Advising Clients: Advice That Sticks

financial times book review editor

Courtesy of Amazon

Even when people pay for advice, some don’t heed it. Add money to the equation, and behavior can become even more unpredictable.

In Moira Somers’ Advice That Sticks , the author, a practitioner of financial psychology and an executive coach, notes that, “Most people are at least mildly crazy when it comes to money.” With that in mind, it’s safe to assume that financial professionals have a high mountain to climb when dealing with clients. It isn’t helped by the fact that most in finance have no training on how to speak with clients effectively and may be unwittingly putting them off.

Clear communication is key. For each client meeting, Somers recommends setting parameters that she calls “adherence boosters,” so that clients know what to expect and have the chance to voice what they want to achieve. She also advises financial professionals to listen intently, speak plainly, and connect warmly, and make sure that the client understands what you are proposing, so that they can decide whether to go along with your advice.

Finally, Somers notes, “There can be no good advice without agreement from the advisee.” Only when there’s accord between the parties do discussions lead to deal-closing action.

Final Verdict

The world over wanted to know why and how Bernard “Bernie” L. Madoff committed the largest Ponzi scheme. Our pick for best overall book, Madoff Talks: Uncovering the Untold Story Behind the Most Notorious Ponzi Scheme in History, by radio host Jim Campbell, fits the bill in spades. Madoff gave Campbell carte blanche to interview him and his lawyer, resulting in revealing insights now covered by other books about the convicted felon. Finally, the book lays out the Madoff saga as a case study of how not to be a financial professional.

Why Trust Investopedia?

Michelle Lodge thrives in the book-reviewing world. She has been published in Publishers Weekly and was an editor and writer for Library Journal , both of which cover books and the industry. While a book review editor at Library Journal , which recommends books for public library collections, she selected a number of fine books on a range of financial topics for review. She was also the editor of the On Wall Street Book Club, in which she reviewed books and interviewed authors on a podcast on subjects important to financial professionals.

Seeking out a diverse field of books for financial professionals requires consultations with many experts. Lodge collected recommendations from Investopedia Financial Review Board members and Investopedia editors, business executives, and bestseller lists from the Financial Times , The New York Times , The Times of London, the London Review of Books , and others, as well as her own experience as a book review editor.

Lodge’s goal is to present the reader with factual, actionable books that are well-written and enjoyable to read, and that cover the bases in subject matter and expertise. She also aims to tap into a diverse pool of new writers, whose coverage reveals the many influences and perspectives on financial professionals.


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Q&A: The Editor Behind the Book Review

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  • Newspaper Book Review Editors

These book reviewers have been updated as indicated by the date noted after the listing. Note that this list also often includes the website URL for other reporter contacts at these newspapers. If the contact is vital to you, verify the book reviewer’s name and address before making submissions.

Please send us any corrections or additions. Email [email protected] . Thanks. I need your feedback to keep this list up-to-date.

Please note that most newspapers don’t review books any more and, when they do, they only review new books. So they need to see books (galley copies or advanced review copies) six to 12 weeks before the publication date of the book.

News Release Critiques That Help You Sell More Books, Products, Services, or Ideas

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Want to get more publicity? Write a book. And then market it! Learn more by reading  1001 Ways to Market Your Books .

Albuquerque Journal , 7777 Jefferson Street NE, Albuquerque NM 87109; 505-823-4400. Web:  https://www.abqjournal.com/contact . No book reviews. Updated 6/22.

Events calendar submissions: https://promote.events.com/plans/?calendarId=1368

Anchorage Daily News , Mike Dunham, Book Editor, 1001 Northway Drive (99508-2098), P O Box 149001, Anchorage AK 99514-9001; 907-257-4305 (life section); 907-257-4200 (main number). Email: [email protected] . Web: http://www.adn.com . Editor and reporter contacts: http://www.adn.com/help/newsroom . Only reviews books about Alaska and by Alaskans. Takes reviews off newswire. Updated 2/09.

The Arizona Republic , Randy Cordova, Pop Culture Editor (also books), 200 E Van Buren, Phoenix AZ 85004; 602-444-8000; Fax: 602-444-2417. Email: [email protected] . Web: http://www.arizonarepublic.com . Randy: 602-444-8849. Updated 2/15.

Atlanta Journal-Constitution , 223 Perimeter Center Parkway, Atlanta GA 30346; 404-526-5747. Web: http://www.ajc.com . Sadly, they don’t seem to have a book review section anymore. Probably your best chance is to contact one of the Sunday Living and Arts Reporters below. Updated 8/11.

Austin American Statesman , 305 S. Congress Avenue (78704), P.O. Box 670, Austin, TX 78767; 512-445-3610; Fax: 512-445-3968. Web: http://www.Austin360. com or http://www.statesman.com . Updated 11/09.

Jody Seaborn, Book Editor. Email: [email protected]

Joe Gross, books reporter and editor. Email: [email protected]

Baltimore Sun , 501 N Calvert Street (21202); P O Box 1377, Baltimore MD 21278. 410-332-6100. Web: http://www.baltimoresun.com . Editor and reporter directory: http://www.baltimoresun.com/about/bal-baltimore-sun-newsroom-directory,0,536389.htmlpage . Updated 2/15.

Mary Carole McCauley, Books Reporter; 410-332-6704. Email: [email protected] . Note: most of their book reviews come from from the LA Times.

The Baton Rouge Advocate , 7290 Blue Bonnet Road (70810); P O Box 588, Baton Rouge, LA 70821-0588; 225-383-1111. Web: http://www.theadvocate.com . Employee list: http://theadvocate.com/help/employeelist . Local-related books are covered by local reporters. They currently do not have a book editor. Updated 4/14.

Boston Globe , 135 Morrissey Boulevard, P.O. Box 2378, Boston, MA 02125; 617-929-2000. Web: http://www.bostonglobe.com . Reporters and editors: http://www.bostonglobe.com/tools/help/stafflist . Updated 12/20. Web: http://www.bostonglobe.com/arts/books .

Kate Tuttle, Book Editor. Email: [email protected] .

Amy Sullivan, Globe Correspondent, interviews authors. Twitter: http://twitter.com/globebiblio . Email: [email protected] .

Nicole Lamy, the previous book editor, still reviews books for the Globe in the Short Stack column. This email may still be valid: [email protected] .

Boston Herald , 1 Herald Street (02118), P.O. Box 55843, Boston MA 02205; 617-426-3000; Fax: 617-451-3506. Arts & Lifestyle: 617-619-6193. Email: [email protected] . Web: http://www.bostonherald.com . Most book news is from the Associated Press. Updated 9/16.

The Bozeman Daily Chronicle , Ben Pierce, 2820 West College, Bozeman MT 59715; 406-587-4491; Fax: 406-587-7995. Email: [email protected] . Web: http://www.bozemandailychronicle.com . Update 12/15.

Buffalo News , Jeff Simon, Sunday Arts & Books Editor, One News Plaza, P.O. Box 100, Buffalo, NY 14240; 800-777-8680; Fax: 716-856-5150. Email: [email protected] . Web: http://www.buffalonews.com . Features editors: http://www.buffalonews.com/section/help05/#Features . Update 4/15.

Charlotte Observer , Pam Kelley, Reading Life Editor, 600 S. Tryon Street, Charlotte NC 28202; 704-358-5024; Fax: 704-358-5036. Email: [email protected] . Pam: 704-358-5271. Web: http://www.charlotteobserver.com or http://www.charlotte.com/mld/charlotte . Staff listings: http://www.charlotteobserver.com/staff . Updated 8/12.

Chicago Sun-Times , Teresa Budasi, Books Editor, 350 N. Orleans Street, 10th Floor, Chicago IL 60654; 312-321-3000. Email: [email protected] . Web: http://www.suntimes.com . One of the ten largest newspapers in the U.S., the Sun-Times is dropping most book coverage except for coverage of local authors. Updated 2/15.

Chicago Tribune , Elizabeth Taylor, Literary Editor, 435 N. Michigan Avenue #400, Chicago IL 60611-4022; 312-222-3232; Fax: 312-222-3143 or 312-222-0236 (features). Web: http://www.chicagotribune.com . Reviews very few independent presses. Now in the Saturday issue rather than Sunday. Updated 2/15.

Christian Science Monitor , One Norway Street, Boston, MA 02115; 617-450-2000; Fax: 617-450-7575. Book Editor (617-450-2462). Web: http://www.csmonitor.com .

Cincinnati Enquirer , 312 Elm Street, Cincinnati OH 45202; 513-768-8477; Fax: 513-768-8340. Web: http://news.enquirer.com . Local news: [email protected] . Editorial contacts: http://news.cincinnati.com/apps/pbcs.dll/section?Category=contact . No book reviews. Updated 2/15.

Cleveland Plain Dealer , Skylight Office Tower, 1660 West 2nd Street #3200, Cleveland, OH 44113; 216-999-4800; 800-688-4802; Fax: 216-999-6354. Web: http://www.cleveland.com . They do not do book reviews. They do feature a few syndicated book reviews. Updated 9/15.

Contra Costa Times , Sue Gilmore, Book Editor, Bookends, 175 Lennon Lane #100, Walnut Creek CA 94598; 925-977-8482; main phone: 925-935-2525. Email: [email protected] . Web: http://www.contracosta times.com and http://www.mercurynews. com/books . They have just reinstated their book review section in print. Contact list: http://www.contracostatimes.com/contact-us . Updated 2/15.

Dallas Morning News , Michael Merschel, Assistant Arts & Culture Editor, Books, P O Box 655237, Dallas TX 75265; 214-977-8594. Email: [email protected] . Web: http://www.dallasnews.com/arts/books . Main phone number: 214-977-8222; Fax: 214-977-8838. Lifestyle editors: http://www.dallasnews.com/connectwithus/newsroom_lifestyles.html . Twitter: http://twitter.com/mmerschel . Updated 5/17.

The Denver Post , Ray Rinaldi, Books Editor, 101 W Colfax Avenue #600, Denver CO 80202; 303-820-1624;Fax: 303-820-1679. Email: [email protected] . Web: http://www.denverpost.com . Editors: http://www.denverpost.com/contactus . Updated 12/11.

Detroit Free Press , Steve Byrne, Entertainment Editor, 615 West Lafayette Street, Detroit MI 48231; 313-222-5977; Fax: 313-223-4726. Email: [email protected] . Web: http://www.freep.com . Main number: 313-222-6400. Editors: http://www.freep.com/apps/pbcs.dll/article?AID= 200551101001 . Updated 4/09.

East Bay Times , 2121 N California Boulevard #290, Walnut Creek CA 94596; 925-935-2525. Web: https://www.eastbaytimes.com . Updated 6/22.

News Tips, Local News: [email protected]

Breaking Bay Area News: [email protected]

Letters to the Editor: https://www.eastbaytimes.com/letters-to-the-editor (submission form)

Randy McMullen, Arts and Entertainment Editor; 510-293-2461. Email: [email protected]

Book and other events: Anne Gelhaus. Email: [email protected]

Business and technology stories: [email protected]

Linda Zavoral, Food Reporter; 408-920-5960. Email: [email protected]

South Florida Sun-Sentinel , 200 E. Las Olas Boulevard, Fort Lauderdale, FL 33301-2293; 954-356-4710; Fax: 954-356-4612. Web: http://www.sun-sentinel.com . No current book editor. Primarily syndicated reviews. Updated 12/16.

Fort Worth Star-Telegram , Stephanie Allmon, Assistant Managing Editor, Features, P O Box 1870, Fort Worth TX 76101; 817-390-7720. Web: http://www.star-telegram.com . Life & Arts Department: 817-390-7750; Fax: 817-390-7257. Email: [email protected] . Newsroom number: 817-390-7400. Editors: http://www.star-telegram.com/contact . They don’t really do original book reviews. Updated 11/12.

Hartford Courant , 285 Broad Street, Hartford CT 06115; Main: 860-241-6200. Web: http://www.courant.com . Reporter/editor listings: http://www.courant.com/about/custom/thc/thc-news-submit,0,7366803.html . No book reviewer, but MaryEllen Fillo, an entertainment columnist once interviewed a book author. Email: [email protected] . Updated 06/12.

The Honolulu Star-Advertiser , 7 Waterfront Plaza #210, 500 Ala Moana, Honolulu HI 96813; 808-529-4747; Fax: 808-529-4750. Web: http://www.staradvertiser.com . Editors: http://www.staradvertiser.com/about/ Star_Advertiser_Contact_Information.html . No book reviews. Updated 11/10.

Christie Wilson, Today Editor; Email: [email protected]

Book signings and events email: [email protected]

Houston Chronicle , Maggie Galehouse, Book Editor, 801 Texas Street (77002-2904), P.O. Box 4260, Houston, TX 77210; 713-362-7171. Email: [email protected] . Web: http://www.chron.com . Updated 4/09.

Indianapolis Star , Jennifer Morlan, Life Editor, 130 S Meridian Street, Indianapolis IN 46225; 317-444-6921. Email: [email protected] . Web: http://www.indystar.com . For a list of reporters, see http://static.indystar.com/en/follow . Updated 2/15.

International Herald Tribune , 6 bis, rue des Graviers, 92521 Neuilly Cedex, France; (33-1) 41 43 93 22; Fax: (33-1) 41 43 93 32. General email: [email protected] . Web: http://www.iht.com . A daily international English-language newspaper owned by the New York Times . Book reviews are taken from the New York Times . Updated 11/16.

Kansas City Star , Steve Paul, Arts Editor, 1729 Grand Boulevard, Kansas City MO 64108-1413; 816-234-4141; Fax: 816-234-4926. Email: [email protected] . Web: http://www.kansascity.com . Editorial contacts: http://www.kansascity.com/contact_us . Short book reviews, primarily from other sources. Updated 2/11.

Los Angeles Times Book Review , 202 West 1st Street, Los Angeles CA 90012; 213-237-7778; Fax: 213-237-5916. Main #s: 213-237-5000; Fax: 213-237-7679. Email: [email protected] . Web: http://www.latimes.com/ book . Editorial staff: http://www.latimes.com/about/mediagroup/la-mediacenter-editorial_staff,0,3058915.htmlstory . Jacket Copy book blog: http://latimesblogs.latimes.com/jacketcopy . Send email first with as much information as possible to [email protected] – no attachments. Updated 4/14.

Joy Press, Books and Culture Editor. Email: [email protected]

David Ulin, Book Critic. Email: [email protected]

Carolyn Kellogg, Staff Writer – Writes about books. Email: [email protected]

Facebook: http://www.facebook.com/latimesbooks

Twitter: http://www.twitter.com/latimesbooks

Louisville Courier-Journal , 525 W Broadway, P O Box 740031, Louisville KY 40201-7431; 502-582-4667; Fax: 502-582-4665. Web: http://www.courier-journal.com . For a list of other Courier-Journal editors (with phone numbers and email addresses), see their website at: http://archive.courier-journal.com/section/contact06 . No book reviews. Updated 2/17.

Marin Independent Journal , 103 Shoreline Parkway #201, San Rafael CA 94901; 415-883-8600. Editorial Fax: 415-883-5458. Editorial contacts: https://www.marinij.com/contact-us . Updated 6/22.

Press release email: [email protected]

Arts and Entertainment Calendar and listings: Colleen Bidwill; 415-382-7282. Email: [email protected] .

Miami Herald , Connie Ogle, Book Editor, One Herald Plaza, Miami, FL 33132-1693; 305-376-3649; Fax: 305-376-8950. Email: [email protected] . Web: http://www.herald.com . Updated 12/13.

Milwaukee Journal Sentinel , 333 W. State Street, P.O. Box 371, Milwaukee, WI 53201; 414-224-2181; General: 414-224-2000. Web: http://www.jsonline.com . Here’s what their old book editor once wrote about self-help books: “I would never have bothered with them had it not been for a perverse idea to poke fun at them.” This is a common opinion among newspaper book reviewers. Updated 8/09.

Minneapolis Star Tribune , Laurie Hertzel, Books Editor, 425 Portland Avenue South, Minneapolis, MN 55488; 612-673-4380; Fax: 612-673-7568. Email: [email protected] . Web: http://www.startribune.com . General news: 612-673-4414. Updated 2/09.

Nashville Tennessean , 1100 Broadway, Nashville TN 37203; 615-259-8228; Fax: 615-259-8057. Web: http://www.tennessean.com . Updated 2/17.

New Orleans Times-Picayune ,3800 Howard Avenue, New Orleans, LA 70125-1429; 504-826-3457; 800-925-0000; Fax: 504-826-3186. Living section email: [email protected] . Web: http://www.timespicayune.com and http://www.nola.com . Updated 11/12.

New York Daily News , Sherryl Connelly, Book Editor, 4 New York Plaza, New York, NY 10004; 212-210-2100; Fax: 212-643-7831. Email: [email protected] . Web: http://www.nydailynews.com . Updated 9/13.

New York Observer , Alexandra Peers, Culture Editor, 321 West 44th Street, 6thFloor, New York, NY 10036; 212-755-2400; 800-542-0420; Fax: 212-688-4889. Email: [email protected] . Web: http://www.observer.com . A weekly newspaper in New York City. Updated 6/12.

New York Post , 1211 Avenue of the Americas, New York, NY 10036; 212-930-8000; Fax: 212-930-8542. Web: http://www.nypost.com . Updated 2/09.

New York Times Book Review , 620 Eighth Avenue, New York, NY 10018-1405; 212-556-1234 or 212-556-3652; Fax: 212-556-3690. Web: http://www.nytimes.com/books . You can send email to most reporters and critics via the website.

Gilbert Cruz, Book Editor. Twitter: https://twitter.com/gilbertcruz

Dwight Garner, senior writer and book critic

Janet Maslin, book critic

Sarah Harrison Smith, Children’s Book Editor at the New York Times Book Review

Main emails for the various sections in the paper:

[email protected]

[email protected]

[email protected]

[email protected]

[email protected]

[email protected]

Newark Star-Ledger , Jacqueline Cutler, 1 Star-Ledger Plaza, Newark, NJ 07102; 973-392-4040. Web: http://www.starledger.com . Newsroom contacts: http://www.starledger.com/editorial/News.asp . Updated 2/15.

Newsday , 235 Pinelawn Road, Melville NY 11747-4250. Web: http://www.newsday.com . Arts & Entertainment Editor, 2 Park Avenue, 8th Floor, New York NY 10016-5695; 212-251-6622; Fax: 212-696-0590. Features/Entertainment (Part 2): 631-843-2950; Fax: 631-843-2065. Option: 631-843-4659. Updated 8/12.

Tom Beer, Books Editor. Email: [email protected] .

Aileen Jacobson, Media Writer

The Oregonian , Jeff Baker, Book Editor, 1320 S.W. Broadway, Portland OR 97201-9911; 503-221-8165; 877-238-8221, ext. 8165; Fax: 503-294- 5172. Email: [email protected] . Web: http://www.oregonlive.com . Editors: http://biz.oregonian.com/newsRoster . Updated 2/11.

Orlando Sentinel , Arts and Entertainment Editor, Books, 633 N. Orange Avenue, Orlando FL 32801; 407-420-5671; main number: 407-420-5000. Web: http://www.orlandosentinel.com . After big papers do a review, send info on the book. They are followers not leaders. Updated 1/15.

Philadelphia Inquirer , John Timpane, Books Editor, 801 Market Street #301, Philadelphia PA 19107; 215-854-2401. Email: [email protected] . Web: http://www.philly.com . Updated 1/15.

Pittsburgh Post-Gazette , Tony Norman, Book Review Editor, 34 Boulevard of the Allies (15222), P O Box 566, Pittsburgh PA 15230; 412-263-1601; Tony: 412-263-1631; Fax: 412-391-8452. Email: [email protected] . Web: http://www.post-gazette.com . Twitter: http://www.twitter.com/tonynormanpg . Updated 4/14.

Pittsburgh Tribune-Review , D. L. Clark Building, 503 Martindale Street, 3rd Floor, Pittsburgh PA 15212; 412-321-6460. Web: http://www.pittsburghlive.com . They do not have a book review editor but feature reviews from LA Times and Associated Press. Updated 4/14.

Providence Journal-Bulletin , Phil Kukielski, Managing Editor, Features, 75 Fountain Street, Providence RI 02902; 401-277-7000; Fax: 401-277-7346. Email: [email protected] . Send newstips to: [email protected] . Web: http://www.projo.com . Updated 11/12.

NewsReleaseCritiques.com — I see dozens of news releases every day. Few make the grade. Most are uninteresting, unnewsworthy, and product-oriented. What does it take to sell books with a good news release? In a 15-minute phone call, I can give you feedback on your news release to help you make it one that sells books. — John Kremer

Sacramento Bee , Cathie Anderson, Features Editor, 2100 Q Street, P O Box 15779, Sacramento CA 95852; 916-321-1000; Fax: 916-321-1109. Email: [email protected] . Web: http://www.sacbee.com . Updated 2/09.

“I am a writer in the Sacramento Valley area, and have contacted the Bee numerous times concerning book reviews. The answer has been consistent, if not encouraging: They DO NOT do fiction reviews. They reprint syndicated review columns from Los Angeles, Chicago, Baltimore, et al. in their Ticket section – when they print book reviews at all. If a nonfiction book has some immediate relevance to something going on in Sacra-tomato, they might give it some coverage.”

Saint Louis Post-Dispatch , Jane Henderson, Book Review Editor, 900 N. Tucker Boulevard, Saint Louis, MO 63101; 314-340-8107; Arts and entertainment: 314-340-8124; Features Fax: 314-340-3080. Email: [email protected] . Web: http://www.stltoday.com . Her Book Blog: http://www.stltoday.com/blogzone/book-blog . Main phone: 314-340-8000. Editors: http://www.stltoday.com/help/contact-us . Updated 8/10.

Salt Lake Tribune , Ellen Weist, Books & Theater Reviews, 90 South 400 West, Salt Lake City UT 84101; 801-257-8742; Fax: 801-257-8525. Opinion fax: 801-257-8515. Email: [email protected] . Web: http://www.sltrib.com . Staff info: http://www.sltrib.com/pages/staff . Ellen: 801-257-8621. They don’t have an official book page. Few book reviews. Updated 4/14.

San Antonio Express-News , Steve Bennett, Books Editor, 301 Avenue E (78205), P O Box 2171, San Antonio TX 78297-2171; 210-250-3000; City Desk: 201-250-3171; Fax: 210-250-3105. Email: [email protected] . Web: http://www.mysanantonio.com . Newsroom contacts: http://www.mysanantonio.com/about_us/contact_us/contact_the_newsroom . Maggie Galehouse writes about books; email: maggie.galehouse#chron.com . Updated 5/12.

San Diego Union-Tribune , Robert L. Pincus, Books Editor, P.O. Box 120191, San Diego, CA 92112-0191; 619-293-1321; 800-244-6397; Fax: 619-293-2436. Email: [email protected] . Web: http://www.uniontrib.com . Also web: http://www.signonsandiego.com . Pincus’s blog: Creative Reading. Updated 2/09.

San Francisco Chronicle , 901 Mission Street, San Francisco, CA 94103; 415-777-6258; Fax: 415-957-8737. Web: http://www.sfgate.com . Main phone number: 415-777-1111. Chronicle staff: https://www.sfgate.com/home/article/SFGATE-Staff-15734829.php . SF Chronicle apparently now does two reviews every Sunday. Updated 4/23.

Barbara Lane, Books Columnist. Barbara Lane can’t remember a time when she didn’t have her nose in a book. Her column appears every other Tuesday in Datebook. Email: [email protected] .

San Jose Mercury News , 75 E Santa Clara Street #1100, San Jose CA 95113; 408-920-5000; main fax: 408-288-8060. Email: [email protected] for features and lifestyle stories. Staff contacts: https://www.mercurynews.com/contact-us . Newsroom: 408-920-5444. Updated 6/22.

Letters to the Editor: https://www.mercurynews.com/letters-to-the-editor submission form

Santa Fe New Mexican , Kristina Melcher, Pasatiempo Editor, 202 E Marcy Street (87501), P O Box 2048, Santa Fe NM 87504-2048; 505-995-3878. Main switchboard: 505-983-3303. News: 505-986-3030; Fax: 505-986-9147. Email: [email protected] . Web: http://www.santafenew mexican.com . Updated 2/09.

Seattle Times , 1000 Denny Way, Seattle WA 98109; P O Box 70, Seattle WA 98111; 206-464-2496; Fax: 206-464-2261. Web: http://www.seattletimes.com . Reviews few independent presses outside region. Editorial staff listing: http://seattletimes.com/flatpages/services/newsroomstaff.html . Updated 9/13.

Mary Ann Gwinn, Books Editor; 206-464-2357. Email: [email protected]

Michael Upchurch, book critic; 206-464-8793

Tampa Bay Times , Colette Bancroft, Book Editor, 490 First Avenue S (33701), P.O. Box 1121, Saint Petersburg FL 33731; 727-893-8435; 800-333-7505. Email: [email protected] . Web: http://www.tampabay.com . Contact page: http://www.tampabay.com/company/contact-us . Updated 10/15.

Pamela Davis, Staff Writer, HotStuff (in teen section). She reviews YA novels, music, movies, games, etc. of interest to teens. Updated 2/09.

Tampa Tribune , The News Center, 202 S. Parker Street (33606-2395), P.O. Box 191, Tampa, FL 33601-0191; General: 813-259-7711; Newsroom: 813-259-7600. Web: http://www.tampatrib.com . No book news or reviews. Updated 10/15.

Toronto Star , One Yonge Street, Toronto, Ontario M5E 1E6 Canada. Web: http://www.thestar.com . Editorial contact: http://www.thestar.com/about/contactus.html#editorial . Updated 4/14.

Jennifer Hunter, Columnist, The Reader. Features Canadian fiction and non-fiction. 416-869-4249. Email: [email protected] . Twitter: http://www.twitter.com/sjenniferhunter (but not active).

Barbara Carey, Columnist, Poetry. Sporadic reviews of poetry.

Deirdre Baker, Columnist, Small Print. Mini-reviews of books for tots to teens, every other week.>

USA Today ,   7950 Jones Branch Drive, McLean VA 22108-0605; 703-854-3400; Fax: 703-854-2053 and 703-854-2049. Email: [email protected] . Web: http://www.usatoday.com . New York bureau: 535 Madison Avenue, 20th Floor, New York NY 10022. Want to email specific reporters at USA Today ? For those that have email addresses, the following formula works most of the time: [email protected].

While the paper reviews few books (only 5 to 10 on Thursdays), the book editor does make all books she receives available in a small library for other editors to use.

Barbara VanDenburgh, Book Editor. Email: [email protected] . Twitter: https://twitter.com/babsvan

Voice Literary Supplement , Village Voice, 36 Cooper Square, New York NY 10003-4846; 212-475-3300; Fax: 212-475-8944. Email: http://villagevoice.com/feedback/submitSuccess/email . Web: http://www.villagevoice.com . Staff listing: http://www.villagevoice.com/about/staff . Zach Baron, Senior Associate Editor, blogs book reviews.

Wall Street Journal , 1211 Avenue of the Americas, New York NY 10036; 212-416-2000. Web: http://www.wsj.com . Updated 12/17.

Christopher Carduff, Books Editor

Sam Sacks, Columnist, Fiction Chronicle

Tom Nolan, Columnist, Mysteries

Tom Shippey, Columnist, Science Fiction

Meghan Cox Gurdon, Columnist, Children’s Books

Washington Post , 1150 15th Street N.W., Washington, DC 20071; 202-334-6000; Fax: 202-334-7502. Web: http://www.washingtonpost.com . Editor info: http://projects.washingtonpost.com/staff/email . You can email staff members via that web page. The Post also provides a guide to all the DC area bookstores. Updated 12/13.

Steve Levingston, Nonfiction Editor. Now reports to the Outlook section.

Ron Charles, Fiction Editor. Reports to the Style section. Email: [email protected] . Twitter: h ttp://www.twitter.com/roncharles . He also writes and produces his own video blog of book reviews.

Elizabeth Ward, Children’s Books. Email: [email protected] . She reviews many children’s books. She also works at the copy desk for foreign stories.

Washington Times , 3600 New York Avenue NE, Washington DC 20002-1947; Main phone: 202-636-3000. Fax: 202-832-2235. Web: http://www.washingtontimes.com . Updated 2/09.

Carol Herman, Books Editor. Email: [email protected] .

Jennifer Harper, Media Issues Reporter; 202-636-3085. Email: [email protected] . She also covers book publishing. Don’t send review copies. She doesn’t do reviews, but she does cover interesting publishing stories if you have one to tell. Send her information on your innovations.

Westchester Journal-News , One Gannett Drive, White Plains NY 10604; 914-694-9300; Fax: 914-696-8396. Web: http://www.thejournalnews.com . Editors: http://www.thejournalnews.com/about/contactus.html . They don’t have a book editor, but their monthly Mind section features many books and authors. They only review local authors. Updated 7/07.

Mary Dolan, Life&Style Editor; 914-694-5070; Fax: 914-696-8122.

Robert Heisler, Entertainment Editor; 914-694-3507.

Kathy McClusky, Arts/Events Editor; 914-694-5074.

Newspaper Book Reviewers: Please note that most newspapers only review new books.

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Thanks for putting this list together which I just stumbled upon. It sure would be great to have an updated version of this list. I had about a 50% success rate in emailing the contacts listed to promote my new commercial real estate tale, “Don’t Sign the Lease! The Tale of a Triumphant Business Owner.” http://www.dontsignthelease.com.

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Please let me know which contacts were no longer valid. Note: Email success rates don’t always reflect a bad email address. Some email recipients have filters that reject any unsolicited emails. But I’d still like to know which emails did not work. John Kremer

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Editorial: Financial literacy is important for teens to learn along with math and science

Twenty-dollar bills are counted in North Andover, Mass.

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Adulting is hard, and it’s gotten much harder even for mature adults. That’s especially true when it comes to personal finances.

We are subjected to more sophisticated and sometimes downright insidious online marketing that often uses influencers instead of ads. The investing world has grown more complicated, with investment apps, digital brokers and cryptocurrency. Hard-to-spot scams come to us every day via social media, emails and text.

We buy more of our goods online, sight unseen, and take the risk that our personal data might be compromised. Fewer employers provide traditional pensions; instead, it’s up to employees to figure out how much to put away for retirement, where the money should be stowed and how it should be managed.

CLAREMONT, CA - APRIL 12: A campus tour takes place at Claremont McKenna College on Monday, April 12, 2021 in Claremont, CA. The school has reopened in-person tours after shutting them down last year amid the pandemic. The college tour is a key aid in helping students make their big decisions. (Myung J. Chun / Los Angeles Times)

Editorial: Early decision admissions for college unfairly favor wealthy students

Legacy admission is on the wane but colleges are doubling down on early decision, another admissions practice that favor the wealthy.

Jan. 4, 2024

Many colleges are downright unaffordable , but the financial aid process makes doing taxes seem easy by comparison, and lenders beckon with federally guaranteed loans that have put far too many young Americans into serious debt. As the gig economy becomes a bigger slice of the employment picture, it shifts the burden of healthcare and calculating tax deductions on to workers, and makes getting a mortgage, buying a home and creating stability more difficult.

Clearly, young adults need to be better equipped to tangle with the modern world of money.

That’s why there’s been growing interest in teaching financial literacy in high school, the point at which students are old enough to understand the topic and find it relevant as they apply to college and prepare to enter the working world.

A view of New College at the University of Oxford in Oxford, England. The college was founded in 1379.

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March 22, 2024

According to Next Gen Personal Finance, a nonprofit that promotes financial literacy instruction and provides free curriculum and teacher training, half of all states have passed a requirement for a one-semester course. And more states require financial education to be taught as part of other courses, such as math or economics.

California isn’t among the states that require teens to take a designated financial literacy course, at least not yet. A bill before the Legislature this year would mandate a course for public schools. Silicon Valley businessman Tim Ranzetta, co-founder of Next Gen Personal Finance, has gathered signatures for a ballot measure to do the same; he says he would withdraw the measure if the bill becomes law.

The concept is great. But turning it into reality isn’t as simple as proponents would have us think.

Arcata, California November 17, 2023-Students Brad Butterfield and Maddy Montiel study in their campers on the Cal Poly Humboldt campus. The university recently issued an eviction notice for students who sleep in their vehicles. (Wally Skalij/Los Angeles Times)

Opinion: I was homeless in college. California can do more for students who sleep in their cars

An estimated 1 in 5 of the state’s 2 million community college students are unhoused.

April 9, 2024

David Tokofsky, a former member of the Los Angeles school board, told The Times that if the state is going to add new high school requirements, it also has to take some things out. Otherwise, there will be practically no time for high school students to pursue electives that most interest them. It’s a good point. The state recently added a one-semester ethnic studies course to its requirements. How many more courses can be fit into the school day?

Adding new coursework should be undertaken only with a more comprehensive look at California’s curriculum standards, with the involvement of teachers and administrators. Educators should look for possible areas of overlap and repetition. That might make room for a couple of high school courses to be moved to eighth grade, though it would require the involvement of the University of California to ensure those courses would be accepted as part of the A-G curriculum.

The worst scenario would be a ballot initiative, no matter how well-intentioned. There is too little flexibility in such initiatives to meet changing needs of students and schools.

Mandates from Sacramento have generally not proved to be the best way to improve education, unless they are undertaken with the involvement of the people who have to carry them out. Let’s teach our high school students the complications of personal finance, but let’s do it thoughtfully, with the bigger picture in mind.

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LOS ANGELES, CA - FEBRUARY 08: Lynda McGee, a college counselor, helps students fill FASFA application at Downtown Magnets High School, Los Angeles, CA. (Irfan Khan / Los Angeles Times)

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TEMPLE CITY, CA - OCTOBER 21: Pierre Gochuico, second from right, with her 15-year-old daughter Patricia Gochuico, gathers information at an annual college and career fair at Temple City High School on Saturday, Oct. 21, 2023 in Temple City, CA. (Irfan Khan / Los Angeles Times)

Opinion: Struggling to get help with college through the FAFSA? Here’s why you shouldn’t give up

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Los Angeles, CA - May 17: Signage and people along Bruin Walk East, on the UCLA Campus in Los Angeles, CA, Wednesday, May 17, 2023. (Jay L. Clendenin / Los Angeles Times)

California extends deadline for students seeking state financial aid amid FAFSA turmoil

March 25, 2024

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LOS ANGELES, CA - APRIL 16, 2024 - Asna Tabassum, facing, a graduating senior at USC, receives a hug of support from a friend on the USC campus on April 16, 2024. Tabassum was selected as valedictorian and offered a traditional slot to speak at the 2024 graduation. After on-and-off campus groups criticized the decision and the university said it received threats, it pulled her from the graduation speakers schedule. (Genaro Molina/Los Angeles Times)

Editorial: USC was wrong to silence its valedictorian

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SIGNAL HILL, CALIF. - JULY 5, 2023. July 3 and July 4, 2023, were on record as the hottest days on Earth for global average. Above, a visitor to Signal Hill seeks respite from hotter temperatures inland. (Luis Sinco / Los Angeles Times)

Editorial: If 10 straight months of record-breaking heat isn’t a climate emergency, what is?

REDONDO BEACH, CA - July 13: Overhead electric power lines photographed with a tilt-shift lens, in Redondo Beach, CA, Tuesday, July 13, 2021. (Jay L. Clendenin / Los Angeles Times)

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LOS ANGELES, CA - APRIL 22: Rosa Padilla Cervantes, mother of shooting victim Isaias Cervantes, talks with attorneys at a press conference at the Hall of Justice on Thursday, April 22, 2021 in Los Angeles, CA. Isaias Cervantes, an autistic and deaf man, was shot by Los Angeles Sheriff's deputies at his Cudahy home on March 31 and is now paralyzed. (Brian van der Brug / Los Angeles Times)

Editorial: Board of Supervisors’ silent sign-off on $25-million payout fails accountability test

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TIME Stamped: Personal Finance Made Easy

Personal Finance

Best financial advisors 2024.

best financial advisor

Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created independently from TIME’s editorial staff. Learn more about it.

Even for the best informed among us, managing investments can be a challenge. While hiring a financial advisor may seem like territory reserved for the wealthy, in truth, investment advice is available at many price points, and can be helpful regardless of your net worth.

This is especially true in the post-pandemic economic landscape. While a roller-coaster housing market and exorbitant inflation rates finally seem to be settling down, the last few years took a toll on many Americans’ financial outlook. Below, we explore some of the most popular online brokers who offer financial advice from real, live human beings.

Best personal advisors compared

Our recommendations, best for beginning investors: j.p. morgan.

J.P. Morgan

J.P. Morgan Personal Advisors

If you’re a beginning investor looking to have your hand held the whole way, J.P. Morgan can help—and with a 200-plus-year history and $4.3 trillion in assets under management (AUM), they have the reputation and longevity to back up their services. Any J.P. Morgan investor with at least $25,000 to invest can sign up to have a team member contact them and walk them through the advisory process and recommended services. Plus, a fee of 0.6% or less is competitive.

  • Relatively low fee cap of 0.6%.
  • Low minimum required investment of $25,000.
  • Services are customized to each client with a live team member.
  • Tiers and options are opaque before sign-up.
  • JP Morgan Chase has only one of five stars on the Better Business Bureau’s (BBB) website based on customer reviews.

Best for higher net worth: Empower


Empower Financial Advisor

With a minimum required investment of $100,000 , financial advisement at Empower isn’t in reach for every investor. For those who qualify, the firm offers personalized advice with an eye toward tax efficiency. Along with tax-loss harvesting, Empower private clients get access to private equity investments usually only accessible to wealthy and institutional investors. Advisors can help clients prepare for financial goals like retirement and helping fund a higher education, as well as tackling estate planning and reviewing insurance coverage amounts on a regular basis.

  • Lower-than-average fees are tiered based on assets under management, with the lowest net worth investors only paying 0.89%.
  • Holistic advice gives investors the opportunity to build a comprehensive, firm financial future.
  • Rebalancing opportunities reviewed on a daily basis.
  • A $1 million account minimum puts Empower advisement out of reach for many investors.
  • Fees, while lower than average, are not the lowest on our list.

Best for rewards: Fidelity


Fidelity Investments Financial Advisor

Along with holistic wealth management with a dedicated Fidelity advisor—or a wealth management team, in the case of investors with at least $2 million—eligible Fidelity clients also have access to an array of rewards and benefits. Fidelity also has specialized offers including trust services, fixed income and bond investing, and integration with third-party tax planning and preparation services.

  • Fidelity investors can access 3% cash-back rewards, waived minimum investments on select assets, and identity-protection services.
  • Tax-loss harvesting and other tax-efficient strategies are implemented—though on a “limited basis” per the site’s fine print.
  • The highest-tier fee of 1.5% is among the highest on our list.
  • Account minimum of $500,000 for personalized advice is on the higher side.

Best for flat fees: Facet


Facet Financial Advisor

Many financial advisors assess fees as a percentage of assets under management. The highest tiers are typically reserved for those with the least amount of money under advisement. Facet, on the other hand, assesses a flat fee starting at $2,000 per year—going up from there based on the complexity of your financial situation. While investors would have to have a significant investment to break even on this model—at least $300,000, compared to a fee of 0.8%—it could make financial planning easier for those wanting to know exactly what they’ll spend on advisory services. And, a $0 minimum makes Facet’s advice accessible to anyone who can afford it.

  • A flat fee can make financial planning easier for some investors.
  • No account minimum makes Facet accessible to beginners who can afford its flat fee (starting at $2,000).
  • For investors with $300,000 or less, the flat fee may be more expensive than a percentage would with a different advisor.
  • With $1 billion AUM, Facet is less established than some other firms.

Best for low fees: Vanguard


Vanguard Financial Advisor

While Vanguard offers a digital advisor service—essentially a robo-advisor—for those with at least $3,000 invested, its personal advisor tier starts at $50,000, which is still relatively low and accessible. Investors at this tier will have access to a blend of automated tools and professional advisory services for a fee of “approximately $30 per $10,000 invested,” which comes out to 0.3%—one of the lowest tiers on our list. (Dedicated personal advisory service from a Certified Financial Planner (CFP) is reserved for investors with at least $500,000.)

  • Fees at or around 0.3% are among the lowest on our list.
  • Multiple tiers, including robo-advisor technology, allow investors to choose the product that best suits their financial situation and investment skill level.
  • Tax strategies implemented starting at the Personal Advisor ($50,000) tier.
  • Dedicated human help from a CFP is reserved only for investors with at least $500,000.
  • Holistic wealth and estate planning starting at a high minimum of $5 million in AUM.

Best for choosing your own advisor: Edward Jones

Edward Jones Financial Advisor

Edward Jones Financial Advisor

These days, much of financial advising is done remotely either by phone or video call. But for those looking for in-person meetings, Edward Jones is a valuable exception to the rule. With a large network of offices across the country, Edward Jones helps you match with a financial advisor near you or you can choose your own if there’s someone specific you want to work with.

  • Offices across the country allow you to have an in-the-flesh relationship with your financial advisor.
  • Advising available at a relatively low $25,000 threshold, depending on the types of assets you wish to invest in.
  • A fee schedule including an annual program fee of up to 1.35% is costlier than many online brokers.
  • Despite an A rating with the BBB, customer service reviews are mixed.

Best for customizable services: Charles Schwab

Charles Schwab

Charles Schwab Financial Advisor

Not every investor needs every service—and most certainly don’t want to pay for services they don’t need. Fortunately, Charles Schwab offers a range of investment accounts and service levels that you can customize to your personal requirements. (The firm’s self-directed brokerage account comes with no account minimums and no fees.)

For those in need of dedicated wealth management, Charles Schwab’s team of experts is available once investors reach the $500,000 threshold. Fees max out at 0.80% and decrease for those with higher levels of assets under management.

  • Management fees of 0.8% max are competitive in today’s market.
  • With more than $7 trillion AUM, Charles Schwab is a well-established and reputable name in the industry.
  • A half-million dollar threshold for personal wealth management disqualifies many investors.
  • Trust, estate, and fixed-income consulting is done through third-party specialists
  • Many services, potentially including third-party services, are charged à la carte—though the company promises total price transparency and a comprehensive list of fees and commissions.


We reviewed seven of the most popular firms offering financial advisory services, assessing factors including available services, fees, implemented tax efficiency strategies, customer service reputation, total assets under management, and more. We then chose advisor services for specific categories of client need and benefit. We focused on well-known online brokers, not including smaller, local firms. Our list is not comprehensive or exhaustive, and available services and fees may change at any time.

How to select the best financial advisor for you

With so many options available, choosing a financial advisor can be a challenge. The following tactics can help you narrow the choices and focus in on the right fit for you.

Decide how much help you need

Not all advisory services are created equally and neither are all investors. Some people are looking solely for investment advice, while others want professional assistance with the whole kit and kaboodle—retirement, putting the kids through college, choosing insurance products, and more.

Deciding how much assistance you need will help you hone in on advisory service providers that offer your choices at a price that makes sense for your portfolio. And it can also help you avoid overpaying for services you’re not actually in the market for.

Consider fees

The whole point of wealth management is to help you retain and grow as much of your hard-earned money as possible and set yourself up for financial success now and in the future—but of course, financial advisors need to make their living, too.

Still, as an investor looking for advice, fees should be part of your calculation; obviously, the lower the better (so long as the firm is legitimate and reputable). Again, it may help to choose less-inclusive service tiers to save money if you don’t actually need holistic wealth management. And, of course, those with more money to invest will usually enjoy lower wealth management price points.

Look for fiduciaries

A financial advisor who is a fiduciary is legally bound to put your best interests first, regardless of how they are compensated, as opposed to, for example, recommending investments based on the commissions they earn.

Your financial advisor should be a fiduciary whose compensation doesn’t directly depend on what you invest in. Certified Financial Planners (CFPs), for example, are fiduciaries. Insurance agents, on the other hand, are generally not. Note that some professional financial advisors can work under a “suitability standard” rather than a fiduciary one, which means the decisions they make must be “suitable” for your needs, but not necessarily the absolute best.

When you choose an advisor within a brokerage, be sure your advisor is a fiduciary—because many brokerages offer advisors who are as well as advisors who are not. You can ask your advisor or investment brokerage this question directly, and you can also look up your broker with BrokerCheck to get a more detailed understanding of their history.

Alternatives to financial advisors

Not sure real, live financial advice is a fit or priced right for you? Fortunately, there are some worthy alternatives to consider.


Robo-advisors are, as their name suggests, largely run by robots—or, if not literal robots, complex algorithms (made and managed by real humans) that can make investment management a much more passive (and therefore cost-efficient) process. Robo-advisors can’t take the place of human beings dedicated to helping you plan your financial future or provide holistic financial planning services. But they can take some of the guesswork out of the process of allocating your assets.

Self-directed investing

If you’re willing to take matters into your own hands, many investment firms offer extremely low-cost ways to manage your investments in a self-directed brokerage account. They may also provide additional research and education materials to help you make the best possible decisions. While DIY investing can be overwhelming at first, a digital world means more information is available than ever, and self-directed investors may be on the hook for nothing more than trade and commissions fees. Some online brokers offer access with no account management fees or minimums.

More on financial advisors

How much do financial advisors make.

According to the data gathered by the U.S. Bureau of Labor Statistics (BLS) in 2022 the mean hourly wage for financial advisors is $66.22 and the mean annual wage $137,740. Those in the 75% percentile earned $165,590 annually, while those in the 90% percentile earned $239,200 per year or more.

How much do financial advisors cost?

Financial advisors’ fees range in both amount and type. In many cases, financial advisory fees are assessed as a percentage of a client’s assets under management. For example, if you invested $300,000 at a firm whose annual advisory fee was 0.6%, you’d pay $1,800 (though of course specific figures shift as investments grow and change). Other firms might assess a flat fee, usually starting at a few thousand dollars per year, for advisory services.

What do financial advisors do?

Financial advisors traditionally are devoted to helping investors choose specific investments and helping them shape and reshape their portfolios as the market shifts and changes. These days, though, the term is often used interchangeably with “financial planner.” A financial planner might help with more holistic goals such as calculating exactly how much you need at retirement or reviewing insurance-coverage options.

How many financial advisors are there in the U.S.?

According to the same BLS data referenced above, more than 283,000 people in the United States are employed as personal financial advisors. Most work at investment firms.

Financial advisors vs. financial planners—what’s the difference?

Although the terms are often used interchangeably, financial advisors have a narrower scope than financial planners. Generally, a financial advisor’s job is to help investors manage their investments. A financial planner has a more comprehensive job, helping clients set themselves up for long-term financial stability. This often includes investing, but also encompasses things like estate planning, planning for retirement, and more. (Another word for financial planner is wealth manager.)

TIME’s Take: The best financial advisor is one who fits your needs

When it comes to choosing a financial advisor, there is no one-size-fits-all best advice. By searching for an advisor who offers services tailored to your financial needs, you can find the advice you need at a price that makes sense for your portfolio.

Frequently asked questions (FAQs)

Which bank has the best financial advisors.

It’s impossible to name a specific bank that has the best financial advisors. There are many well-qualified advisors working for a wide variety of firms, not just banks. However, when searching for a financial advisor, it’s always a good idea to look for a fiduciary who is bound by law to put your best interests first, rather than working on a commission-based model that incentivizes upselling. Certified Financial Planners (CFPs) are fiduciaries, for example.

Is it worth paying for a financial advisor?

Given the complexity of planning a firm financial future—not to mention navigating the stock market—many investors do think it’s worth paying for professional financial advice. Many firms assess fees as a percentage of assets under management, ensuring your expenses will always be in proportion to the amount of money you’ve invested. These fees are often a fraction of a percent, which can be well worth it for the service of holistic financial planning. Keep in mind, however, that account minimums in the hundreds of thousands of dollars may apply.

How much money should you have to see a financial advisor?

While there’s no set amount of money at which financial advice becomes absolutely necessary—or unnecessary, for that matter—many financial advisors have minimum investment requirements to start. In some instances, the investing barrier may be as low as $25,000 (and planning services may be limited or aided by digital tools like robo-advisors). But many financial advisors’ minimums—or their most valuable services—start at $500,000 or even $1 million or more.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.


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Our recommended books this week include two satirical novels — one about identity politics and victimization, the other about artificial intelligence and gender roles — along with Tana French’s second crime novel about a Chicago police officer who retired to the Irish countryside. In nonfiction, we recommend the story of a deadly avalanche, a philosopher’s exploration of the concept of giving up, and the gratifyingly intimate audio version of Barbra Streisand’s recent memoir, which she narrates herself. Happy listening, and happy reading. — Gregory Cowles

MY NAME IS BARBRA Barbra Streisand

Certain of the, shall we say, eccentricities (oh … the ellipses!) in Streisand’s 992-page doorstop of a memoir get wonderfully ironed out in audio form. Its sprawling a-star-is-born anecdotes seem to find their natural form in the towering performer’s 48-plus hours of discursive, disarming and often gloriously off-the-cuff narration.

financial times book review editor

“As Streisand recites the story of her life … she ad-libs off the written text, splices sentences, audibly shakes her head at dubious decisions, and altogether places us opposite her on the sofa with a cup of coffee for a two-day kibitz.”

From Zachary Woolfe’s review

Penguin Audio | 48 hours, 17 minutes

VICTIM Andrew Boryga

Boryga’s debut is a lively social satire about the fetishization of victimhood, following a young working-class student, Javi, who uses exaggerated stories of tragedy to earn attention and success. Boryga is having fun, and he’s inviting us to join in.

financial times book review editor

“Let’s be clear: Though Boryga is playing, he’s not playing around. Through Javi’s story, Boryga humorously and scathingly calls out the gluttonous consumption of stories of victimhood.”

From Mateo Askaripour’s review

Doubleday | $27

ANNIE BOT Sierra Greer

On the surface, “Annie Bot” is a story about an A.I. sex robot that grows more and more sentient, but underneath this high-tech premise is a sharp and smart exploration of misogyny, toxic masculinity, selfhood and self-determination.

financial times book review editor

“A brilliant pas de deux, grappling with ideas of freedom and identity while depicting a perverse relationship in painful detail.”

From Lydia Kiesling’s review

Mariner | $28

ON GIVING UP Adam Phillips

In his latest book, Phillips’s exploration of “giving up” covers the vast territory between hope and despair. We can give up smoking, sugar or a bad habit; but we can also give up on ourselves. Phillips proposes curiosity and improvisation as antidotes to absolute certainty.

financial times book review editor

“Phillips doesn’t try to prevent us from thinking whatever it is that we want to think; what he does is repeatedly coax us to ask if that’s what we really believe, and how we can be sure.”

From Jennifer Szalai’s review

Farrar, Straus & Giroux | $26

THE DARKEST WHITE: A Mountain Legend and the Avalanche That Took Him Eric Blehm

In January 2003, seven skiers and snowboarders were killed in an avalanche on a glacier in western Canada. Among them was the American snowboarder Craig Kelly, and the adventure writer Blehm turns this page-turner not just into a biography of the athlete, but a tribute to the sport itself: addictive, thrilling — sometimes deadly.

financial times book review editor

“Probably the most unremittingly exciting book of nonfiction I have come across in years. I found myself reading late into recent nights wholly transfixed by every paragraph, every word.”

From Simon Winchester’s review

Harper | $32

THE HUNTER Tana French

For Tana French fans, every one of the thriller writer’s twisty, ingenious books is an event. This one, a sequel to “The Searcher,” once again sees the retired Chicago cop Cal Hooper, a perennial outsider in the Irish west-country hamlet of Ardnakelty, caught up in the crimes — seen and unseen — that eat at the seemingly picturesque village.

financial times book review editor

“The novel’s greatest pleasures — genuine twists aside — reside in the specific intersection of outsider and native, and particularly the former’s determined need to idealize, to claim, to tint whole rivers green.”

From Sadie Stein’s review

Viking | $32

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