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What Is the Purpose of

First Quarter Finance?

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First Quarter Finance started in 2013 by providing financial information for the first quarter of life. We've grown to cover all ages. We're now the largest solely-owned personal finance content website. Our purpose is to improve your personal finances by providing the best money content on the internet.

Why trust us?

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We feature the best companies, whether or not they pay us for referring customers.

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Research standards

We follow journal-quality academic research standards.

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We've been doing this since 2013.



We remain Founder-led, we solicit negative feedback, we work hard to do best by the user.

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We disclose every instance where we could potentially receive a commission.

Our team

These are the faces and hearts behind FQF.

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Our Leadership Team

William Lipovsky

Founder, CEO, Editor-in-Chief

Will has been passionate about personal finance for as long as he can remember. He has been working for just as long. He bought his first equity at age 10. Personal finance is his obsession, through and through.

He spent his early years after college working as an analyst in banking and freelance writing. His writing and quotes have appeared in Business Insider, Entrepreneur, Forbes, U.S. News & World Report, and Yahoo Finance.

In 2013, William founded First Quarter Finance to help improve the finances of those in the first quarter of life. The website has expanded to become the largest solely-owned personal finance website.

William is CEO, editor in chief, owner, and founder of First Quarter Finance.

Lindsey Desmet

Managing Editor

Lindsey has a master's degree in library and information science, a graduate certificate in information management, and a bachelor's degree in liberal studies, where her areas of concentration were journalism, history, and literature.

As the Managing Editor of First Quarter Finance, Lindsey conducts thorough research to ensure that her articles, as well as all of FQF’s new and previously-published content, contain accurate and up-to-date information.

Lindsey has expertise in retail store policies, consumer savings, personal finance, banking, loans, and credit cards. She has researched many prominent companies, including Capital One, CarMax, Discover, Enterprise, Nordstrom, Verizon, and Walmart.

Her research often includes interviews; thorough readings of official documents like state and federal laws, corporate handbooks, and cardholder agreements; and first-hand contact with corporate and store representatives.

During her academic career, Lindsey was named an honor scholar and James B. Angell Scholar, was nominated to the Beta Phi Mu International Honor Society, and won two undergraduate writing awards.

Lindsey is passionate about research, the written word, and connecting people with the information they need. Her writing has also been published in The Michigan Journal and on her classic film blog, The Motion Pictures.

Alexandra Fowler

Lead Analyst

Alexandra earned a bachelor’s degree with distinction in behavioral neuroscience from the University of Kansas Honors Program and completed an original honors thesis for which she received three awards before even tossing her cap. Her research crosses multiple disciplines, including neuroscience, bankruptcy, and personal finance; has been published in several leading journals, including Neurology; and, has taken her all over the country to present. Alexandra leads the research team at First Quarter Finance.

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