Hal M. Bundrick, CFP® is a writer, Certified Financial Planner™, and former financial consultant and senior investment specialist for Wall Street firms. Hal has advised individual investors, trusts and non-profits, as well as 401(k) plan sponsors and participants. A Louisiana native, he enjoys "spicy Cajun food, aimless travel and air conditioning." His goal is to serve up practical financial insight, minus the jargon. His articles on personal finance, investing and running a small business have been widely published and he's a ghost writer and corporate blogger for Fortune 500 companies. Read more on Hal's blog TheMoneyPivot.com. Follow him on Twitter @HalMBundrick.