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Our Authors & Reviewers

MoneyTips’ mortgage and financial experts have a wide range of experience. What do they share in common? A desire to make complex financial concepts make sense, so you can live your best financial life.

The Team

Think of us like your Yoda, but for finance stuff.

Phillip Christenson, CFA, Contributing Writer for MoneyTips.com
Phillip Christenson, CFA

Phillip is a tech-focused financial planner who co-owns a wealth management company focusing on college planning, investments, retirement planning, and other financial planning needs. He has specific expertise in financial planning and taxes.

Dan Crimmins, Contributing Writer for MoneyTips.com
Dan Crimmins

Dan is an experienced financial advisor who loves helping people clarify their financial goals and take steps to enjoy and protect their lifestyles. He writes on creating financial comfort and building legacies as well as helping & protecting families financially.

Brendan Harkness, Contributing Writer for MoneyTips.com
Brendan Harkness

Brendan has been writing about personal finance for over eight years. He makes sure that he covers the most important financial topics transparently and precisely, and that we have up-to-date information to meet your financial needs.

Sandra Kenrick, Contributing Writer for MoneyTips.com
Sandra Kenrick

Sandra is qualified as a financial advisor with business accreditation and has an eye for detail. She got her start in the banking industry working with small businesses and startups – and she can tell a good deal from a shiny gimmick. Her passion lies in writing about personal finance and entrepreneurship.

Amy King, Contributing Writer for MoneyTips.com
Amy King

Amy got her start in finance as an accountant. She soon developed a passion for sharing her knowledge about taxes. She wants to help readers better understand the ins and outs of taxes, making complex ideas understandable and accessible to everyone, so they can live their best financial lives – and save money.

Michelle Lambright Black, Contributing Writer for MoneyTips.com
Michelle Lambright Black

Michelle Lambright Black is a leading credit expert, author, writer, and speaker with over a decade and a half of experience in the credit industry. She is an expert in credit reporting, credit scoring, financing (mortgages, credit cards, loans), debt eradication, budgeting, saving, and identity theft. She is featured monthly at credit seminars, podcasts, and in print.

Kris Lamey, Contributing Writer for MoneyTips.com
Kris Lamey

Kris Lamey is a real estate professional and investor in the competitive South Florida market and has worked as a senior consultant in finance at Fortune 500 and S&P 500 companies. Kris understands the impact content plays in the finance and real estate industries. She holds an MBA in finance from Florida International University.

Jacob Lunduski, Contributing Writer for MoneyTips.com
Jacob Lunduski

Jacob uses his years of experience in the credit-information space to follow the latest trends in the credit card industry and identify the topics that are most important and helpful to readers. The surveys and original research he conducts help capture the pulse of consumers' relationships with credit. He leads projects to improve the website based on reader feedback and experiences, supporting his mission to help people build and use their credit responsibly.

Sean Messier, Contributing Writer for MoneyTips.com
Sean Messier

Sean Messier works to empower individuals with the knowledge required to use credit cards responsibly and to their advantage. His writing and research-based background has granted him experience in an array of topics, from finance to business and beyond. Sean distills the knowledge accumulated over years of experience in the credit space into consistent, actionable articles, guides, and reviews.

Brian J. O'Connor, Contributing Writer for MoneyTips.com
Brian J. O'Connor

Brian is an award-winning and nationally syndicated personal finance author. He specializes in providing guidance on how to save thousands of dollars on mortgage payments and taxes, and he provides money tips and debt advice.

Josh Richner, Contributing Writer for MoneyTips.com
Josh Richner

Josh is a personal finance enthusiast and writer. He began helping people learn how to refinance their homes in 2008 and has been learning and teaching mortgage and money matters ever since.

Rachel Rose, Contributing Writer for MoneyTips.com
Rachel Rose

Rachel has a bachelor’s degree in English and a master's in accounting – the perfect background for a finance writer. She has worked for numerous Fortune 500 companies. Today, Rachel is a Finance Manager for a global entertainment conglomerate in NYC.

Susan Shain, Contributing Writer for MoneyTips.com
Susan Shain

Susan is a freelance writer who specializes in turning complex financial topics into engaging and accessible articles. She's been writing about personal finance for six years, and was previously the senior writer at The Penny Hoarder and a staff writer at Student Loan Hero. Her personal finance writing has also appeared in publications like MarketWatch and Lifehacker.

Ellen Sirull, Contributing Writer for MoneyTips.com
Ellen Sirull

Ellen Sirull is a writer with over 15 years of experience, covering topics from personal finance to identity protection to credit and credit cards. Her work has been featured on CNBC, New York Daily News, Fox News, Yahoo! Finance, AOL Finance, Experian and the Identity Theft Resource Center. She enjoys spending time with her family and traveling as much as possible and is always thinking about how best to invest her own money for retirement and her family’s well-being.

David Stephens, Contributing Writer for MoneyTips.com
David Stephens

David is a trusted 30-year professional in the mortgage, real estate, and home-buying space. His work for MoneyTips includes home buying advice, providing thought-provoking insights from the mortgage industry, including compelling thought leadership on interest rates and types of mortgages.

Winnie Sun, Contributing Writer for MoneyTips.com
Winnie Sun

Winnie is a wealth advisor and financial planner who writes for MoneyTips and contributes to national publications. She is frequently featured as a “top advisor” at national industry events and is often quoted in financial news media outlets such as CNBC.

John Ulzheimer, Contributing Writer for MoneyTips.com
John Ulzheimer

John Ulzheimer is a recognized expert on credit reporting, credit scoring and identity theft. He is twice Fair Credit Reporting Act (FCRA) certified by the credit reporting industry’s trade association and has been an expert witness in over 140 cases involving credit issues.

Evan Zimmer, Contributing Writer for MoneyTips.com
Evan Zimmer

Evan graduated from SUNY Oswego with a degree in journalism and creative writing. In his professional writing career, he strives for precision and comprehension in his work. He’s written news articles, blog posts, and copy, working across a slew of different mediums. With in-depth research and great care for accuracy and detail, he now works to bring you the most up-to-date credit information.

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MoneyTips exists to provide personal finance advice that you can trust. We explain concepts simply, without bells and whistles or formality, to help you live your best financial life.

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