Jean Murray headshot

Jean Murray

MBA, Ph.D.
Expertise: Business Taxes, Business Law, Business Finance
Title: Small business laws and taxes expert
Education: Cleveland State University, Walden University, Mount Union College
Location: Tampa/St. Petersburg, Florida


  • Business law and taxes expert for The Balance (and prior to that, since 2008
  • Holds an MBA and Ph.D. in small business management and entrepreneurship
  • More than 35 years' experience teaching business startup, finance, tax, and legal issues
  • Owner of Emence Enterprises, LLC
  • Author of several business books on saving money and simplifying your business


Jean Murray, MBA and Ph.D, has specialized in business law and taxes content for The Balance over a decade. During her career, she taught at business and professional schools for over 35 years. This includes serving as an associate professor at Palmer College of Chiropractic from 1995 to 2009, where she taught accounting, business law, finance, and business startups.

Murray was also the owner of Emence Enterprises, LLC for 15 years, writing about business startup issues and publishing business startup guides for professionals.

She is the author of several books including "The Complete Guide to Working for Yourself" and "The Complete Guide to Writing Effective and Award Winning Business Proposals." Her latest books in the "Frugal Business Secrets" series focus on saving money, working smarter, and simplifying your business.


Murray has an MBA in small business/entrepreneurship from Cleveland State University (1974) and a Ph.D. in administration/management from Walden University (2000). She received her bachelor's in English and literature from Mount Union College.

About The Balance

The Balance, a Dotdash Meredith brand, makes money easy to understand. We give people tools they need to not only make smart financial decisions but also prepare for the experiences they will have along the way. Our team of expert writers and editors have extensive qualifications in the topics they cover, and many of them have MBAs, PhDs, CFPs, and other advanced degrees and professional certifications. We require our writers to use primary sources in their articles, which are also approved by our Financial Review Board and fact-checked. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.