Tina Orem is an editor at NerdWallet. Prior to becoming an editor, she covered small business and taxes at NerdWallet. She has been a financial writer and editor for over 15 years, and she has a degree in finance, as well as a master's degree in journalism and a Master of Business Administration. Previously, she was a financial analyst and director of finance for several public and private companies. Tina's work has appeared in a variety of local and national media outlets.
- Education: B.S.B.A. in finance, marketing and economics from University of Denver Daniels College of Business, M.A. in journalism from University of Oregon, MBA from University of Oregon Lundquist College of Business
- Organizations: Society for Advancing Business Editing and Writing, American Copy Editors Society
- Previous experience: Managing editor at American City Business Journals, Senior staff writer at Investing Answers, Senior editor at Outside Media Group LLC, Director of finance at Noodles & Co., Manager of financial planning and analysis at Rock Bottom Restaurants Inc.
Tina has also nerded out in...
The Associated Press, USA Today, MarketWatch, NBC News, ABC News, Nasdaq, The Seattle Times, Chicago Tribune, Los Angeles Times, Entrepreneur
The latest from Tina
Is Retirement Income Taxable? What You Need to Know
Retirement income is often taxable, but there are notable caveats for Social Security and Roth accounts.
Payable on Death (POD) Account: Definition, Uses
A payable on death bank account automatically transfers to a beneficiary without going through probate.
What Is a Charitable Trust and How Does It Work?
There are two main types of charitable trusts: charitable remainder trusts (CRTs) and charitable lead trusts (CLTs).
What Is the Social Security First Year of Retirement Rule?
Earning income in retirement can reduce your Social Security, but income earned before retirement doesn't count.
Legatee: What It Is, How It Works
The term "legatee" is often used in wills. It's distinct from similar terms "heir" and "beneficiary."
What Is a Contingent Beneficiary?
Naming contingent beneficiaries is important in case your primary beneficiaries can't receive your assets when you die.
What Is Concierge Medicine? (And Should You Consider It?)
Less waiting, more access, longer visits — find out if concierge medicine is right for you.
Qualified Terminable Interest Property (QTIP) Trust
QTIP trusts provide income for a surviving spouse while protecting the final inheritance from future marriages.
Per Stirpes: Definition and How to Use for Estate Planning
If one of your beneficiaries dies before you do, per stirpes can ensure their share of your estate goes to their kids.
Conservatorship: How It Works, Types
Conservatorship appoints someone to manage the financial or personal affairs of a significantly incapacitated person.
Do You Need a Lawyer to Make a Will?
You can make a will without a lawyer, but there are things you'll need to know if you're going to DIY your will.
How Much Social Security Does a Nonworking Spouse Get?
Stay-at-home and nonworking spouses are entitled to Social Security retirement benefits. The amount varies, though.
Divorced Spouse Social Security Benefits: How Much and How to Qualify
Divorced spouse Social Security benefits can equal up to 50% of an ex-spouse's Social Security retirement benefit.
Back Taxes: How to File Past-Due Tax Returns
Unpaid taxes from the current year or previous years are referred to as back taxes. Filing and paying off a past-due return can help you to get current with the IRS.