Malcolm Ethridge is a Certified Financial Planner®, speaker, and author. Malcolm is a Managing Partner at a Capital Area Planning Group, a boutique financial planning and investment management firm, and a member of CNBC’s Investment Committee. Malcolm is a proud North Carolina A&T State University alumn and lives in Washington D.C. with his wife and daughter.

Ricky Mulvey is the former co-host of Motley Fool Money, an award-winning daily investing podcast. He is currently studying to become a Certified Financial Planner®. Ricky is an alumn of The Ohio State University and lives in Denver, Colorado with his wife.