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“Traditionally, 401(k)s generally have some really good investment options that you wouldn’t be able to do on your own,” an expert says.

Rivals and rating agencies aren’t taking any breaks in the pandemic, and CEO Jamie Price says the new giant IBD network remains on track as well.

John R. Koelmel is the former CEO of First Niagara Bank, and is currently managing partner of JRK Advisors LLC.

Most planners have navigated major market events before. Others, like me, have not yet seen anything like this in our adult or professional lives.

Bonnie Sinnock is National Mortgage News' Capital Markets Editor at Arizent and has worked for NMN and affiliated publications since 1995. Her previous roles have included assisting in the coordination of origination coverage, technology reporting and chronicling cross-border issues.

Bonnie currently edits and writes about mortgage capital markets topics that include servicing, acquisitions, industry funding sources, securitization and other secondary market sales. Secondary market topics covered include two government-sponsored enterprise loan buyers that the U.S. has been considering spinning off part of in a new  and potentially groundbreaking initial public offering.

She also has contributed articles to multiple award-winning Arizent series, including:

• Election Coverage (Finalist, Neal Awards 2025), for her 2024 reporting on the likelihood Fannie Mae and Freddie Mac reform in the second Trump administration
• Online Single-Topic Coverage by a Team (American Society of Business Editors, Regional Bronze 2023), for participating in group reporting about industry layoffs.
• Online Breaking News Coverage (Regional Bronze, Azbees 2021) for contributing to a package of stories on about the initial impact of the pandemic on the mortgage market
• Best News Coverage (Neals 2016) for one of the articles in a package delving into multiple aspects of the transformative TILA/RESPA Integrated Disclosure rule 

Other journalistic accomplishments and designations include:

• New York Financial Writers Association member
• Reporter for the NonProfit Times, the Courier News, and the Los Angeles Independent
• Published articles in the Los Angeles Times and the Saginaw News
• Bachelor of Science in Journalism degree from Northwestern University

Twitter: @bcynic

Even when the market was climbing to records earlier this year, John Miller’s risk appetite exceeded that of some of his peers.

Amanda Albright is a municipal bonds and public finance reporter at Bloomberg News.