Roger Ma

Roger is a CERTIFIED FINANCIAL PLANNER™, founder of financial planning firm lifelaidout, and a NYC-based licensed real estate agent. He writes extensively about personal finance and real estate on lifelaidout.com, as well as for Forbes. He is currently a member of his co-op's Board of Directors, the Real Estate Board of New York, and the Financial Planning Association. 

Prior to entering financial planning and real estate, Roger spent seven years in investment banking, most recently as a Vice President at Morgan Stanley. 

A native of Pittsburgh, Roger earned his bachelor's degree in Business Administration and Economics from Carnegie Mellon University and a certificate in Financial Planning from New York University.

Recent Articles By The Author

How to Put Down Less Than 20% to Buy a Home and Avoid PMI

How to Put Down Less Than 20% to Buy a Home and Avoid PMI

Here's how Millennials are finding homeownership increasingly affordable--with smaller down payments and no extra fees.

Yes, You Can Put Down Less Than 20% to Buy a Home

Yes, You Can Put Down Less Than 20% to Buy a Home

Here's how Millennials are finding homeownership increasingly affordable -- with smaller down payments and no extra fees.

How to to Tell if You Have a Good 401(k) Plan

How to to Tell if You Have a Good 401(k) Plan

With excessive fees rampant throughout the retirement investment industry, Americans need to be extra careful to make sure they have a solid 401(k).

7 Ways to Tell if You Have a Good 401(k) Plan

7 Ways to Tell if You Have a Good 401(k) Plan

With excessive fees rampant throughout the retirement investment industry, Americans need to be extra careful to make sure they have a solid 401(k).

How to Get Your Credit Card to Pay for Your Lost Things

How to Get Your Credit Card to Pay for Your Lost Things

A primer on credit cards' purchase protection feature and how it can reimburse you for your lost things

Is a High Deductible Health Plan Right for You?

Is a High Deductible Health Plan Right for You?

A look into the benefits and considerations of high deductible health plans.

Are You Missing Out on the Home Office Deduction?

Are You Missing Out on the Home Office Deduction?

A look at the ins and outs of an underutilized tax deduction - the home office deduction

How a Mortgage Pre-Approval Can Make Your Offer More Competitive

How a Mortgage Pre-Approval Can Make Your Offer More Competitive

Doing a little mortgage pre-work upfront can put you in the best position to score your dream home.

Is Your Side Income Considered a Hobby or Business for Tax Purposes?

Is Your Side Income Considered a Hobby or Business for Tax Purposes?

It's possible your side income isn't considered a business just because you make money. Here's how to figure out why.

Do You Qualify to Realize $500,000 in Capital Gains Tax-Free?

Do You Qualify to Realize $500,000 in Capital Gains Tax-Free?

Find out if you can reduce your tax burdens when your home increases in value.