Alex Morgan
Senior Writer, Savings & Banking
B.S. Economics, 7 years covering personal finance
Alex covers high-yield savings accounts, CDs, and banking strategy. Previously covered consumer finance at a regional publication.
savingsbanking
E-E-A-T Standards
SwitchWize Research Desk
Who writes and reviews
SwitchWize content
Every guide is written by a named expert, reviewed for accuracy, and updated when rates change. No anonymous content, no unverified claims.
Our team includes professionals with experience at major U.S. financial institutions — bringing firsthand knowledge of how banks, lenders, and credit products actually work.
The team
Elena Torres
Investing & Retirement Editor
CFP®, 12 years financial planning
Elena covers retirement planning, index investing, and long-term wealth strategy. She is a CERTIFIED FINANCIAL PLANNER™ professional.
investinggeneral
James Wu
Cards & Rewards Specialist
6 years credit card analysis, 500+ cards reviewed
James has analyzed credit card rewards programs for six years and personally tests cards across spend categories to give readers real-world data.
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Priya Shah
Mortgage & Real Estate Editor
Licensed Real Estate Agent, M.S. Finance
Priya specializes in mortgage rates, home buying strategy, and real estate market analysis. She holds a real estate license and writes from direct market experience.
mortgage
Rio King
Editor-in-Chief
Certified Financial Education Instructor (CFEI)
Rio oversees editorial strategy and ensures every article meets SwitchWize accuracy standards. All rate claims are verified against live data before publication.
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Our editorial standards
SwitchWize follows Google's E-E-A-T framework as the foundation of every article we publish.
Experience
Our writers have direct experience with the financial products they cover — personal savings accounts, mortgages, credit cards, and investment accounts used in real life.
Expertise
Authors hold relevant credentials — CFP®, CFEI, real estate licenses, and years of specialized financial journalism across our coverage categories.
Authoritativeness
Rate claims are reviewed against data from 150+ institutions. We cite Federal Reserve data (FRED), FDIC records, and official lender sources.
Trustworthiness
SwitchWize earns revenue through affiliate partnerships but our rankings are never influenced by commercial relationships. Editorial decisions are independent.
How every article is made
01
Research
Writers gather rate data, lender terms, and relevant FRED data before drafting.
02
Draft
Articles written to a strict accuracy standard — every rate claim cited, every claim verifiable.
03
Review
Editor reviews for accuracy, completeness, and compliance with SwitchWize's editorial standards.
04
Fact-check
Rate data verified against live sources on the day of publication.
05
Publish
Articles go live with publishedAt and updatedAt timestamps for full transparency.
06
Maintain
Articles reviewed on a rolling basis. Rates verified and updatedAt bumped when content is refreshed.
Where our data comes from
Rate data
150+ institutions reviewed. Rate observations are stored with source URL, timestamp, and institution ID, then checked by hand quarterly.
Market benchmarks
Federal Reserve Economic Data (FRED) for national averages — DPSACBW027SBOG for savings, MORTGAGE30US for mortgages, TERMCBCCALLNS for credit cards.
Affiliate disclosure
Some links earn referral fees. These never influence rankings or recommendations. All rankings based on independent analysis.