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Richard Barrington, CFA, is the personal finance expert for MoneyRates.com, the source for personal finance where you can research best bank rates and compare savings accounts. Richard has earned the CFA designation and is a 20-year veteran of the financial industry, including having previously served for over a dozen years as a member of the Executive Committee of Manning & Napier Advisors, Inc. He has written extensively on investment topics, including investments, money market accounts, certificates of deposit and personal finance as it relates to retirement and has been quoted by numerous top media publications.