Authors & Reviewers

Harsch is written and edited by a small, named team of finance writers, editors, and licensed reviewers — not by anonymous contributors.

MR

Morgan Reyes

Editor-in-Chief · Personal Finance

12 years covering consumer finance for regional business press. B.A. Economics, University of Texas. Focuses on budgeting systems, emergency funds, and everyday money decisions.

DC

Daniel Cho

Senior Writer · Credit & Lending

Former credit union loan officer turned journalist. Specializes in credit scoring models, card mechanics, and how consumers can use credit as a tool rather than a trap.

PR

Priya Ramanathan

Senior Writer · Investing & AI

Ex-fintech product manager. Writes on investing fundamentals, retirement accounts, and the practical (and limited) role of AI in personal finance tools.

JW

Jordan Whitfield, CFP®

Certified Financial Planner · Reviewer

CFP® professional who reviews selected Harsch guides on credit, retirement, and household planning.

AS

Amara Stone

Data & Rates Editor

Maintains our rate tables and economic data feeds. Background in financial data journalism and a focus on keeping figures current and sourced.

TL

Theo Lindqvist

Copy Editor & Compliance

Reviews published pieces against our editorial policy and advertising disclosure standards. Ensures clarity and consistency across the site.