Research first, revenue second

Who writes this

I'm Shelzy Perkins. I spent a decade inside financial services — on the product and marketing side — before I started this site. I saw how the incentives worked, and I wanted to build something that worked differently.

Shelzy Finance exists to give people the same caliber of financial research that wealthy clients pay advisors for, without the upsell at the end.

How we pick products

Every product on this site gets evaluated against a structured rubric. For banking products, that means APY vs. the national average, fee schedules, withdrawal restrictions, and FDIC/NCUA insurance status. For credit cards, it means a real net-value calculation at common spend levels. For investing accounts, it means total cost including expense ratios, platform fees, and tax-loss harvesting access.

No product pays to appear on a list. Our rankings are based on the data.

How we make money

Some approved partner links may earn a referral fee after a qualifying action, at no cost to you. Other product links go directly to official provider pages and do not compensate us. These relationships do not influence our rankings or editorial decisions, and active affiliate links are labeled where they appear.

We never accept payment for placement. If a product would rank first without a referral deal, it ranks first. If a product is not competitive, it does not appear on the list, even when the company offers to pay us.

How often we update

Rates change. Fees change. Bonus structures expire. We recheck material terms when changes are identified and update affected content. Each article shows a last-reviewed date so you can judge how fresh the information is.

Contact

For corrections, questions, or editorial inquiries: hello@shelzyfinance.com