David Kudla is founder, CEO, and Chief Investment Strategist of Mainstay Capital Management, LLC, a fee only, independent, Registered Investment Advisor. He is also President and Executive Editor of FIA Publishing, LLC, which publishes the “401k Investor” series of investment advisory newsletters. David speaks at national conferences, conducts educational seminars, writes articles about retirement planning and investing, and has advised thousands of workplace savings plan participants. David is a contributing writer for Dow Jones MarketWatch and Forbes. His insights into investments, the financial markets, and retirement planning have been sought out by Bloomberg, CNBC, Fox Business, CNN,