About Stephen

Stephen Kates is a CFP® professional and personal finance expert specializing in financial planning and education. He is a Financial Analyst for Bankrate, providing strategic insights on economic trends, wealth management, retirement planning, and personal finance.

Stephen is the founder of Clocktower Financial Consulting, LLC, and previously served as the Head of Financial Planning for Advisor.com.

With over 15 years of experience in the financial industry, Stephen focuses on creating targeted consumer finance solutions for individuals, families, and business owners. He leverages his passion for financial literacy by simplifying complex topics and making financial planning accessible to everyone.

Stephen began his career as a financial advisor in Boston, MA. During his early career at two of the largest financial firms in the country, Fidelity Investments and TIAA-CREF, he helped hundreds of clients build comprehensive financial plans to grow and protect their wealth.

As an industry expert, Stephen writes and speaks about personal finance, retirement, and income planning fundamentals. He has appeared on national broadcasts, including NBC, CBS, and Fox Business, and has been quoted in leading digital publications such as Business Insider, CNET, The Hill, Newsweek, and more. His experience in financial planning and fintech has made him a sought-after resource for other advisors, retirees, and first-time savers.

Stephen lives and works in Charlotte, NC, with his wife, Kate, and their two children. He is a passionate Boston sports fan but still enjoys the local football and baseball games in his adopted home. Stephen is an avid traveler and enjoys collecting local artwork while traveling with his family.