Our Experts & Editorial Team
Every review, ranking, and guide on WealthSpott is produced or reviewed by a credentialed financial professional. We do not accept payment to influence rankings.
David Freedland
CFP® · Senior Editor, Personal Finance
David Freedland is a Certified Financial Planner (CFP®) and Senior Editor at WealthSpott. Over 12 years he has reviewed hundreds of consumer financial products — credit cards, personal loans, mortgages, insurance policies, and investment platforms — for multiple personal finance publications.
His methodology focuses on total cost of ownership rather than promotional teaser rates. For credit products he models full-term APR, fee structures, and break-even periods. For insurance he compares claims satisfaction data (J.D. Power, NAIC complaint ratios) alongside premium estimates. For investing platforms he benchmarks expense ratios, order execution quality, and tax-loss harvesting access.
David holds FINRA Series 65 registration and a B.S. in Finance from the University of Michigan. He does not hold positions in any products he reviews and has no paid relationships with financial institutions.
Editorial Standards
No pay-to-rank
Financial institutions cannot pay to improve their ranking. Affiliate partnerships are disclosed on every page and never affect editorial scores.
Regular verification
Rates, fees, and features are verified against institution websites on a rolling schedule. Each product page shows a "Last Verified" date.
Third-party data
Ratings incorporate CFPB complaint data, J.D. Power satisfaction scores, NAIC complaint ratios, AM Best financial strength ratings, and FDIC/NCUA insurance status.