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About Daniel Cross

Daniel Cross has been in the industry as an investment writer and financial advisor since 2005. He holds the Chartered Financial Consultant designation (ChFC) as well as Series 7 and Series 66 licenses, and has embarked on the arduous journey of obtaining the coveted CFA designation. Daniel lives in Florida with his wife, daughter, and pet Tortoise ironically named Turbo.

Don’t Lose Your Shirt To The Next Stock Market Bubble: The Easy Guide To Smart Portfolio Diversification

Diversifying your portfolio is harder than it sounds; here's what you need to know.

In theory, portfolio diversification is easy: Put your eggs in many baskets. Actually diversifying is harder than it sounds. Here’s what you need to know.

What To Do When You You’re Over Roth IRA Income Limits


If you’re single and make more than $131,000 per year or married and jointly make more than $193,000 per year, congrats: You are no longer eligible to contribute to a Roth IRA. How can you still optimize your retirement savings if you’re over Roth IRA income limits?

Your Investments Are Up: When To Sell And Take A Profit

How to sell investments for profit as part of a long-term investment strategy.

Buy low, sell high. When to sell a winning stock is arguably more important than knowing when to buy. The golden rules for selling stocks at a profit.

How To Start Saving For Your Kids’ Education (Plus: The Biggest Mistake Parents Make Saving For College)

How to start saving for your kids' college education without sacrificing your own future.

How to start saving for your kids’ college while avoiding one very common — and financially detrimental — mistake.

End Your Fear of Investing

Get over your fear of investing.

Investing is the key to building wealth, yet many let fear hold them back from buying a single stock. Three no-nonsense reasons to get over your fear and why you should start investing today.

Be a Smarter Investor: The Best Investments to Make When Markets Waver Between Up and Down

How to invest in sideways markets: Be a playmaker.

It’s easy enough to buy low and sell high when the stock market rallies and dips. But how do you profit as an investor when the market is sideways? Learn the pro tactics to find investment opportunities even in the most boring of markets.

How Does the Federal Reserve Affect Your Portfolio? The New Investor’s Guide to Monetary Policy

The Federal Reserve: A Beginner's Guide to Monetary Policy

When the Federal Reserve (“the Fed”) speaks, Wall Street scrambles. Here’s a high-level guide to how the Fed influences monetary policy and what it means for your investments.

5 Penalty-Free Early IRA Withdrawal Options

Options for penalty-free IRA withdrawals.

Tapping an IRA for cash typically carries a 10 percent penalty tax. Although it’s always a last resort to cash out retirement funds, there are at least five circumstances in which you can make penalty-free early IRA withdrawals.

This Simple Nugget of Investing Advice is Timeless; Do You Follow It?

The Best Investing Advice: Invest in What You Know

Peter Lynch, Warren Buffet and Jim Cramer all dispense variations of this same simple investing advice. Learn what it is and how to apply it to your portfolio.

Avoid These Investments At All Costs!

Why you should never invest in forex or penny stocks. Photo: flickr.com/photos/kiwi2/

You never — never — want to invest in the two investments we discuss here. If somebody tries to sell you on these investments, they’re the only one profiting. And if your friends are investing, they’re rolling the dice no differently than if they were at a craps table.