EduFinance Editorial Team
The EduFinance editorial team brings together writers and analysts with experience across personal finance, consumer credit, banking, wealth management, small business, and financial technology. Our contributors focus on clear, practical explanations of financial topics, combining research with real-world considerations to help readers understand products, costs, requirements, and long-term financial decisions without unnecessary jargon.
Meet the editors
Rachel Bernstein
Senior Credit & Debt Editor
Hannah Cohen
Investing & Retirement Writer
Lucas Vance
Lending & Borrowing Analyst
Sofia Martinez
Banking, Budgeting & Insurance Writer
“To provide accessible, practical information that helps readers understand financial, business, and organizational topics — and apply it to real-world decisions.”
Educational resources across six areas
Banking & Budgeting
Checking and savings accounts, high-yield options, online banking, and budgets that hold up in real life.
Insurance & Taxes
Auto, life, and health coverage, Medicare, deductions, credits, and options for addressing tax debt.
Investing & Retirement
Portfolio allocation, retirement accounts, and long-term strategies for growing and protecting wealth.
Loans & Mortgages
Mortgages, personal and business loans, and how rates, fees, and terms shape the true cost of borrowing.
Credit & Cards
Credit scores, rewards and travel cards, annual fees, and managing debt with a clear plan.
Small Business Finance
Business bank accounts, cash flow, financing, and the practical money decisions owners face.
Experience you can learn from
Our writers and analysts bring experience across consumer banking, credit, lending, wealth planning, and small-business finance.
Rachel Bernstein
Senior Credit & Debt Editor
Rachel has spent over eight years covering credit scoring, credit reports, and debt management, from card interest and repayment plans to debt relief and bankruptcy. Before writing full-time, she worked in community financial education, which shapes her no-nonsense, empathetic approach to helping people protect their credit, recover from debt, and guard against fraud and identity theft.
26 articles
Hannah Cohen
Investing & Retirement Writer
Hannah covers investing, retirement accounts, and long-term financial planning, from stocks, bonds, and funds to IRAs, 401(k)s, annuities, and retirement-age coverage such as Medicare and long-term care. She prefers plain-English explanations over industry jargon, helping readers break down complex, long-horizon decisions into manageable, actionable steps.
33 articles
Lucas Vance
Lending & Borrowing Analyst
Lucas specializes in consumer and real estate lending. With a background in retail banking analysis and loan advisory, his work helps readers weigh the true cost of borrowing, from mortgages, home equity, and refinancing to auto, personal, and student loans, and compare rates, terms, and fees before they sign.
29 articles
Sofia Martinez
Banking, Budgeting & Insurance Writer
Sofia writes about household budgeting, everyday banking, savings, and insurance. Her articles are grounded in real-world household constraints rather than idealized spreadsheets, focusing on the trade-offs families and individuals actually face when choosing accounts, protecting their homes, cars, and income, and managing tight monthly cash flows.
30 articles
Claire O’Donnell
Private Wealth, Tax & Estate Strategy Analyst
Claire specializes in high-net-worth wealth planning, tax strategy, and generational wealth transfer. Coming from a background in private client services, her work covers estate and trust planning, charitable giving, tax-efficient investing, and alternative investments, helping families make sense of complex decisions without getting lost in legal or financial jargon.
19 articles
Samuel Mensah
Small Business Finance Contributor
Sam covers small business banking, financing, and cash flow management, from SBA and equipment loans to invoice factoring and retirement plans for the self-employed. Drawing from his background advising independent service providers and retail startups, he focuses on the practical hurdles of funding and running a small business in changing market conditions.
14 articles
Ethan Kim
Credit Cards & Fintech Analyst
Ethan covers credit card products, rewards programs, and the digital tools people and businesses use to manage money. With a background in data operations and financial technology, he compares card fees, perks, and fine print, and looks at online banking, budgeting apps, and expense platforms with a focus on practical value rather than marketing claims.
19 articles
Information should be easy to evaluate
We present information in context rather than treating individual money decisions in isolation — a loan, a credit card, or a savings account is examined alongside its fees, risks, and long-term trade-offs.
Articles focus on explaining concepts, identifying important considerations, and helping readers understand how different choices can affect households, professionals, and small businesses.
Clear
We explain complex subjects without unnecessary jargon or misleading claims.
Transparent
Our content is based on publicly available information, research, and established concepts.
Balanced
Where it matters, we discuss benefits, challenges, and trade-offs so you can weigh them yourself.
Please note: our content is intended for educational and informational purposes and should not be considered personalized financial, investment, tax, legal, or professional advice.
Thank you for learning with EduFinance
We will keep developing educational resources designed to make complex subjects easier to understand and evaluate.
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