Charles Lloyd Bovaird II, a Forbes Senior Contributor, is a financial writer and editor with strong knowledge of asset markets and investing concepts. He has worked for financial institutions including State Street, Moody’s Analytics and Citizens Commercial Banking. An author of more than 1,000 publications, his work has appeared in mediums such as Fortune, Business Insider, Washington Post, CoinDesk and Investopedia. An advocate of financial literacy, Mr. Bovaird created all the industrial finance training for a company with more than 300 people and spoke at industry events across the world. In addition, he delivered speeches on financial literacy for Mensa and Boston Rotaract. Mr. Bovaird holds a Bachelor’s Degree in Economics and Political Science from the University of Massachusetts Boston.