Rick is a Wall Street Journal best-selling author, and with over two decades of experience, he's a personal finance expert focusing on investing, equities analysis, and options trading. The most authoritative publications, including Good Morning America, Washington Post, Yahoo Finance, MSN, Business Insider, NBC, FOX, CBS, and ABC News, cover his work. His passion is business, and he works tirelessly to deliver content in an easy-to-understand manner.Rick started his career very young. In 2004, he started a web marketing agency, which was acquired in 2007. Then, he and his partner, Andrea, became pioneers in the telecom VoIP industry by offering a business phone service that would work from anywhere. The business experienced triple-digit growth, having assisted clients of all types, including Fortune 100 companies.Between 2009 and 2015, Rick was elected to the board of directors at GVCCU, responsible for a portfolio exceeding 200M. Being on the board of directors gave Rick inside knowledge of the mortgage and lending business!In 2012-2013, Rick became involved in several strategic acquisitions in the telecom industry that helped add significant value to his company, which was acquired in 2014.In 2018, Rick wrote The Financially Independent Millennial to inspire his readers with his story about becoming financially independent at age 35 despite not learning about money when he was younger. His books are easy to read and often refer to key points that “He would tell his younger self.”When not thinking about business, Rick writes (mainly about cruise ship travel) for his travel blog and is an enthusiast of fast cars, technology, and cooking.