David Kudla is founder, CEO, and chief investment strategist of Mainstay Capital Management, LLC, a fee-only, independent, registered investment adviser. He has been ranked by Barron’s as one of the “Top 100 Independent Financial Advisors” in the country for the past 7 years and in the top 25 for the past two years. Mr. Kudla is a contributing writer for Dow Jones and Forbes. He is also president and executive editor of FIA Publishing, LLC, which publishes the “401k Investor” series of investment advisory newsletters. He regularly speaks at national conferences, publishes articles about retirement planning and investing, and advises thousands of workplace savings plan participants. Mr. Kudla’s insights into investments, the financial markets, and retirement planning are often sought out by prominent media sources worldwide, such as the Wall Street Journal, Barron’s, Forbes, USA TODAY, Detroit News & Free Press, Reuters, NBR, CNN, Bloomberg, FOX Business, and CNBC. He has earned his certificate in financial planning and two postgraduate degrees, including a master’s degree in management at Stanford University. As part of his philanthropic activities, Mr. Kudla founded and serves as the executive director of the ENGAGE® International Investment Education Symposium, the largest annual student investment conference in the world. He is an adjunct professor, serves on several university advisory councils, and is the sponsor of the largest student-managed portfolio at Stanford University.