Melissa PhippsMELISSA PHIPPS is a financial journalist with more than 15 years of experience covering retirement planning, investing, and money management. She has written for print publications including New York Times, Glamour, and orth, as well as online media such as Today.com, Inc.com, and RobbReport.com. She has managed Worth's popular annual "Best Financial Advisors" list and run About.com's money and small business site. She is married with two kids. Read More Read Less