David Kindness is a Certified Public Accountant (CPA) and an expert in the fields of financial accounting, corporate and individual tax planning and preparation, and investing and retirement planning.

Amanda Smith is a freelance journalist and writer. She reports on culture, society, human interest and technology. Her stories hold a mirror to society, reflecting both its malaise and its beauty.

ETFs allow investment in diversified portfolios via a single transaction, mimicking index performance. ETFs are more liquid than mutual funds, trading like stocks with fluctuating prices throughout ...