Justin Pritchard Title: Certified Financial Planner Education: University of Colorado Location: Montrose, Colorado Expertise: Banking, Loans, Retirement Investing Has written more than 600 articles for The Balance since 2003 on investing, banking, loans, and other personal finance topicsNationally recognized expert who has been interviewed by The Wall Street Journal, The New York Times, Forbes, U.S. News & World Report, and othersFee-only financial planner CFP, PPC, and MBA Experience Justin is a Certified Financial Planner with more than two decades of experience writing about personal finance. He has written hundreds of articles for The Balance, demystifying banking, investing, loans, credit, and other personal finance topics for consumers.Justin has worked for large financial firms and served in small credit unions, and he founded a fee-only financial planning practice, Approach Financial Planning in Montrose, Colorado.Justin is the author of "The Everything Improve Your Credit Book" and is a ghostwriter for financial services clients. He has worked behind the scenes on several publications as a technical reviewer and editor. He has also been interviewed on banking topics by numerous online and print outlets, including The Wall Street Journal, The New York Times, Forbes, Consumer Reports, Bankrate, U.S. News and World Report, HuffPost, and others.Besides holding a CFP and MBA degree, he is certified as a Professional Plan Consultant (PPC). The designation promotes best practices for managing workplace retirement plans to improve the chances of retirement readiness. Education Justin has an MBA from the University of Colorado. He completed the CFP education program from The College for Financial Planning and passed the CFP exam in 2009. He also has an M.S. in information systems and a bachelor's degree in Spanish literature and language from the University of Colorado. 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.