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Christine Benz is Morningstar's director of personal finance and author of 30-Minute Money Solutions: A Step-by-Step Guide to Managing Your Finances and the Morningstar Guide to Mutual Funds: 5-Star Strategies for Success. Follow Christine on Twitter: @christine_benz.

Russel Kinnel is director of manager research for Morningstar.

John Rekenthaler is Vice President of Research for Morningstar.

Ben Johnson, CFA, is director of global exchange-traded fund research for Morningstar.

Susan Dziubinski is director of content for Morningstar.com.

Karen Wallace, CFP® is Morningstar’s director of investor education. Follow her on Twitter @KarenW60602.

Alex Bryan, CFA, is director of passive strategies for North America at Morningstar.

Leo Acheson, CFA, is an associate director of multiasset and alternative strategies for Morningstar.

Joshua Aguilar is an equity analyst for Morningstar.

Zain Akbari, CFA, is an equity analyst for Morningstar.

Karen Andersen, CFA, is a healthcare strategist for Morningstar.

Karin Anderson is a director of manager research for Morningstar.

Brian Bernard, CFA, CPA, is an equity analyst for Morningstar.

Andrew Bischof, CFA, CPA, is a senior equity analyst for Morningstar.

David M. Blanchett, Ph.D., CFA, CFP®, is head of retirement research for Morningstar’s Investment Management group.

Bobby Blue is a manager research analyst for Morningstar.

Alaina Bompiedi is a manager research analyst for Morningstar.

Ben Brown is a Certified Financial Planner professional and an IRS Enrolled Agent. He is the founder of Entelechy, a fee-only financial planning and investment management firm based in Bethesda, MD, serving clients in the Washington, DC, area and nationally.

Alfonzo Bruno is a manager research analyst for Morningstar.

Sarah Bush is director of North American fixed-income strategies for Morningstar.

Preston Caldwell is an equity analyst for Morningstar.

Greg Carlson is a senior manager research analyst for Morningstar.

Mark Cash is an equity analyst for Morningstar.

Josh Charlson, CFA, is a director, manager selection, for Morningstar Research Services LLC, a wholly owned subsidiary of Morningstar, Inc.

Natalie Choate practices law in Boston with Nutter McClennen & Fish LLP, specializing in estate planning for retirement benefits. Her book, Life and Death Planning for Retirement Benefits, is a leading resource for professionals in this field.