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Bitcoin Price Prediction: Will BTC reach new record highs in 2024?

Bitcoin price prediction
Cristian Cochintu
Cristian Cochintu
22 January 2024

Bitcoin gained +150 in 2023, with the Bitcoin ETFs and halving event causing great expectations. And several commentators — both inside and outside of the cryptocurrency industry — expect the rise to continue. Here are the latest Bitcoin forecast and price predictions for 2024 and beyond.  

Bitcoin climbed above $40,000 at the beginning of the year, fuelling the market with optimism. A blend of influential factors suggests a potential supercycle is underway.  Bitcoin’s 2024 price will hinge on regulatory environments, public perception, and institutional adoption. But perhaps the most potent catalyst is next year's halving, Happening approximately every four years.  

Despite recent turbulence in the crypto market, leading financial institutions remain bullish on Bitcoin’s future. As 2024 begins, these organizations project significant growth, with Bitcoin price predictions ranging from a moderate increase to a staggering surge.

However, before going out and loading up on Bitcoin in your portfolio, it's a good idea not to forget that this is still a very volatile asset. This article aims to address all the queries related to Bitcoin price prediction for 2024 and beyond, including fundamental and technical updates.    

Summary of Bitcoin Forecast & Price Predictions 

  • Bitcoin price prediction today: Bitcoin encountered substantial selling pressure at $48,000 and currently seems likely to undergo a brief consolidation within the $42,000-48,000 range before embarking on its next significant move.  
  • Bitcoin price prediction 2024: The popular opinion among institutional and individual experts seems to be that Bitcoin is bound to break its record price of almost $69,000 — or go even beyond that by the end of the year.  
  • Bitcoin price prediction 2025-2030: most analysts point out that crypto investors will shift focus from speculative trading to the development and adoption of blockchains and applications powered by tokens with utility and cash flows, to trade well above $100,000 in the next 5 years.  

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Bitcoin Forecast 2024 - Where we are now  

After hitting a record high in 2021, bitcoin had a rough 2022, which was marked by the collapse of high-profile projects, liquidity issues, and bankruptcies. That year, FTX, once one of the world’s largest cryptocurrency exchanges, filed for bankruptcy. Its founder Sam Bankman-Fried was found guilty of all seven criminal counts brought against him by federal prosecutors in the U.S. Also in 2023, Binance’s Changpeng Zhao pleaded guilty to criminal charges and stepped down as the company’s CEO as part of a $4.3 billion settlement with the Department of Justice.  

Now that those two high-profile cases are out of the way, many cryptocurrency executives see it as a chance to move forward and draw a line under the bad behavior of two of the industry’s poster children. With fervor returning to the crypto markets, industry executives are calling the start of a new bull run, mainly predicated on two things — the bitcoin halving and the approval of a bitcoin exchange-traded fund in the US.

Bitcoin Forecast - Fundamental Analysis

This forecasted Bitcoin supercycle is mostly being driven by the April 2024 halving event. In the past, there have been notable increases in the value of bitcoin during halving events, which lower the incentive for mining new blocks and, consequently, the rate at which new bitcoin is created. There is a supply shortage because of this decrease in supply and a constant or rising demand. There might not be enough Bitcoin available for purchase as a result, which would raise the price and encourage long-term holders to sell.

Although not instantly, historical evidence indicates that the price of bitcoin has increased following each halving event. For instance, in the year that followed the 2012 halving, the price of Bitcoin increased from about $12 to over $1,000. After the 2020 and 2016 halvings, similar trends were seen, with notable price hikes taking place months later.

The next Bitcoin halving in 2024 will further reduce the block reward from 6.25 BTC to 3.125 BTC, potentially increasing Bitcoin's price as the supply of new bitcoin slows down. This pattern suggests a strong correlation between the halving events and the long-term price appreciation, supporting the bullish Bitcoin price predictions, although the expected event might be already included in the price.

Bitcoin Forecast - Market Sentiment

About a dozen investment companies, including the giant investment managers Blackrock and Fidelity, have been waiting for months for the US Securities and Exchange Commission (SEC) to give them the green light to start buying Bitcoin for their ETFs. And after months of wrangling over wording, the first have now been given the nod, on January 10, 2024.  

These ETFs have two main impacts: increased distribution in the US and increased credibility of crypto as an ‘asset class’. With the newly approved ETFs, bitcoin is no longer considered shady or infamous. This significantly changes the perception of the mainstream public. It also means that bitcoin could start appearing in mainstream portfolios, where many more retail investors can gain exposure.

Big institutional fund managers can add it to their investment funds. Additionally, a new group of investors can now enter the speculative world of Bitcoin, without having to worry about getting digital wallets or navigating crypto exchanges.

Learn more about Bitcoin ETFs 

Bitcoin Forecast – Technical Analysis

After attempting to breach the critical resistance at $47-48K, Bitcoin encountered substantial selling pressure, resulting in a notable rejection and a drop to the $41K level. However, the cryptocurrency currently seems likely to undergo a brief consolidation before embarking on its next significant move.

Short-Term Bitcoin Forecast

Bitcoin has broken the floor of the rising trend channel in the short term, which indicates a weaker initial rising rate. The price has risen strongly since the positive signal from the chart pattern.  

Bitcoin Price Prediction Today
The currency has support at points 42,000 followed by 40,500 and resistance at points 48,000. The RSI curve shows a falling trend, which could be an early signal of the start of a downtrend for the price as well. Even if the short-term Bitcoin forecast is slightly bearish pointing toward a minor countertrend or congestion, is overall assessed as technically slightly positive for the medium and long term (see below).

Medium-Term Bitcoin Forecast

Examining the daily chart, Bitcoin’s attempt to reclaim the significant resistance at $48K faced rejection, leading to a substantial 15% decline to the crucial support at $40-42K. This resistance is delineated by the upper boundary of the ascending channel and the pivotal $48K threshold, acting as a robust barrier for BTC buyers.

Bitcoin_Price_Prediction_2024.png

Should the selling pressure persist and extend the retracement, a vital support zone is expected to intervene, preventing further downward movements. This area encompasses the middle trendline of the channel, coinciding with the 100-day moving average at $38K, providing a formidable barrier for sellers. Nevertheless, a consolidation phase within the $48K resistance (61.8% Fibonacci) and $36K support (38.2% Fibonacci) range is anticipated in the mid-term.  

Long-Term Bitcoin Forecast

Turning to a long-term Bitcoin forecast as best highlighted by the weekly chart of BTC/USD, we can see that 2023’s bullish move has completely retraced 50% of the 2022 drop as of the end of 2023 – beginning of 2024. The cryptocurrency is currently in overbought territory per the 14-week RSI and the Japanese candlestick pattern, signaling the potential for a near-term pullback, but as long as prices remain above previous-resistance-turned-support around $36,000 and even above the previous swing high at 32,000, Bitcoin bulls will remain in control.

Bitcoin_Price_Prediction_2025_2030.png

To the topside, bulls will be watching the 61.8% and 78.6% Fibonacci retracements of the 2021-2022 pullback around $48,500 and $57,400 as logical resistance levels, with little above those areas and the all-time record high near $69,000.

Where will Bitcoin prices go according to technical indicators?  

Oscillator analysis further enriches our understanding. The relative strength index (RSI) and Stochastic present a neutral to bearish stance at 59 and 68, respectively. However, the commodity channel index (CCI) at 105 suggests more bearish action is in the cards, while the moving average convergence/divergence (MACD) level at 1,113 leans toward bullish optimism, displaying the multifaceted nature of market sentiment.

Moving averages (MAs) paint a bullish picture as well, with both exponential moving averages (EMAs) and simple moving averages (SMAs) across various periods (10, 20, 30, 50, 100, 200-day) unanimously indicating positive market sentiment. This consistency across time frames emphasizes a strong underlying bullish sentiment in the market, albeit juxtaposed against the backdrop of the oscillators’ mixed signals.

Bitcoin Forecast – On Chain Analysis

The Puell Multiple metrics provide a comprehensive view of the market by assessing the profitability of Bitcoin mining pools compared to the past year. It poses the question: “How profitable are mining pools if all newly created Bitcoins were instantly distributed on the market?”. Historical data indicates that when the metric enters the green zone (discount region), it often signals the market’s bottom and the conclusion of bear markets. Conversely, an increase in the metric suggests profitability for mining pools, indicating a healthy and positive market condition.

As per the Trading View chart, miners’ revenue experienced a significant uptick from August 2023 until the year’s end, reaching the middle region of the Puell Multiple, with a 14-day Simple Moving Average (SMA) included. The last time this region was reached was in January 2021, when Bitcoin reached $40K for the first time. Consequently, based solely on the Puell Multiple metric, the potential return compared to risk remains favorable, as the indicator is below the intermediate region.

However, it’s essential to consider that significant capital has been in profit since the end of 2022. This factor could potentially trigger a more substantial price correction before the start of the next impulsive bullish trend. 

Bitcoin Price Predictions 2024

This bullish outlook is rooted in factors like Bitcoin’s historical dominance, the anticipated increase in adoption following the Bitcoin Halving, and the expected influx of capital from new spot Bitcoin ETFs, which are creating a lot of excitement among experts. However, it's crucial to keep in mind that many crypto experts are perpetual optimists, especially when it comes to wider adoption of the technology.  

Institutional Bitcoin Price Predictions 2024

These institutional Bitcoin price predictions vividly depict the potential trajectory in 2024. Despite varying specifics, they collectively underscore a shared optimism about Bitcoin’s future.  

Bitcoin price prediction from JP Morgan - $45K

JP Morgan analysts predict Bitcoin (BTC) could reach $45,000 in 2024, a slight premium to its current trading price. This neutral Bitcoin forecast is partly based on the belief that investors see Bitcoin as interchangeable with gold and consider the impact of the upcoming Bitcoin halving event scheduled for next April or May. This represents a notable change in the narrative around Bitcoin and cryptocurrencies from the investment bank, considering the opposition from the past.

Bitcoin price prediction from Berenberg - $56.6K

The investment bank Berenberg has updated its forecast for Bitcoin, setting a target of $56,630 for April 2024. This revised Bitcoin price prediction is shaped by the anticipated 2024 Bitcoin halving event, which is expected to impact the supply dynamics significantly and increase interest from institutional investors. Berenberg’s projection reflects a cautious yet optimistic outlook on Bitcoin’s future.

Bitcoin price prediction from VanEck – above $69k

Global investment fund VanEck has made predictions for 2024, suggesting that bitcoin could reach new all-time highs by Q4 2024. This prediction is driven by factors such as the US election, the supply shock caused by the halving, and regulatory shifts that could make the crypto commodity as easy to own and account for as regular stock.

Bitcoin price prediction from ETC Group - Slightly Above $100,000

ETC Group, another player in the financial system, forecasted Bitcoin to slightly exceed $100,000. Its bullish Bitcoin price prediction considered various on-chain metrics, such as the dwindling supply of Bitcoin on exchanges and the increase in long-term holdings, which suggest a tightening market that could drive up prices. These on-chain metrics imply that both liquid supply on exchanges is relatively scarce and that there is a lot of ‘dry powder’ in terms of supply distribution during the next bull cycle.

Bitcoin price prediction from Standard Chartered - $120K

Standard Chartered has revised its Bitcoin price forecast, now estimating it will escalate to $120,000 by the end of 2024. This projection represents an upward revision from the bank’s earlier forecast, which anticipated Bitcoin reaching a value of $100,000 by the conclusion of 2024, showcasing an increasingly optimistic view of Bitcoin’s market potential in the next few years.

Bitcoin price prediction from Fundstrat - $180K

Fundstrat, a prominent research firm, has set an ambitious target for Bitcoin, predicting it could soar after the launch of a Bitcoin ETF to $180,000 by its 2024 halving. Fundstrat’s projection reflects a bullish stance on Bitcoin’s future, buoyed by these significant market developments and anticipated changes in the cryptocurrency landscape.

Individual Bitcoin Price Predictions 2024

What will Bitcoin be worth in 2024? There are some bolder Bitcoin price predictions being made by investors, analysts, and industry leaders.

Bitcoin price prediction from Arthur Hayes (CEO of BitMEX) - $70K

BitMEX’s founder, Arthur Hayes, forecasted Bitcoin potentially reaching $70,000 by 2024 amid a more conservative short-term outlook. He underscored the importance of Bitcoin’s capped supply at 21 million coins, which he believes will fuel demand. Additionally, Hayes anticipates a bullish trend across all asset markets, influenced by central bank policies.  

Bitcoin price prediction from Messari - Parity with Gold

Messari, a notable name in crypto analytics, predicted a Bitcoin value exceeding $600,000. Its analysis underscored Bitcoin’s resilience and dominance in the cryptocurrency market, citing its ability to lead recoveries and overshadow other digital currencies. Bitcoin dominance shrank from 87% to 37% in 2017. It reclaimed 70% during its consolidation phase and went up to $40,000 in 2021 before dropping to 38% at the height of the bubble. We just tapped 54%. There’s still room to consolidate, analysts at Messari argued.

Bitcoin price prediction from Tim Draper (Billionaire Investor) - $250K  

Billionaire investor Tim Draper, known for his early advocacy of cryptocurrency, has adjusted his Bitcoin price prediction. Initially, Draper forecasted that Bitcoin would reach $250,000 by June 2023.  However, he recently acknowledged that this target might be delayed until 2025, attributing the postponement to unexpected aggressive enforcement actions by the U.S. government, particularly the SEC, against crypto companies.  

Draper remains optimistic about Bitcoin’s value and underlying technology, envisioning a future where financial transactions and operations are conducted entirely in Bitcoin, leveraging blockchain’s transparency and efficiency.

Bitcoin price prediction from Cathie Wood (CEO of Ark Invest) - $600K

Cathie Wood of ARK Invest predicts Bitcoin could reach $650,000 in 2024, with her optimism spawning from a potential spot Bitcoin ETF and Bitcoin’s decentralized nature, contrasting with centralized entities like FTX.  

This outrageous Bitcoin price prediction entails a crypto market cap representing over half of a projected $25 trillion total crypto market, emphasizing Bitcoin’s role as a unique global digital monetary system.

AI Bitcoin price predictions 2024

TradingEconomics forecasts Bitcoin to be priced at 42740 USD by the end of this quarter and at 35521 USD in one year, according to its global macro model's projections and analysts' expectations.

WalletInvestor provides a slightly bearish Bitcoin price prediction for 2024. The website forecasts Bitcoin to hit a 2024 high at 53,000 before halving and trading on the downside for the rest of the year, closing at 38k.

According to CoinPriceForecast, Bitcoin price will hit $80,000 by the end of 2024, while LongForecast predicts Bitcoin to trade as high as 73,618 by the end of 2024.

Bitcoin Price Prediction 2025-2030  

Mike McGlone, senior commodity strategist at Bloomberg Intelligence, said that limited supply and rising demand would suggest a bullish bitcoin projection. The analyst's Bitcoin price prediction for 2030 is $100,000.

Arthur Hayes predicts a significant surge in Bitcoin’s value, with a long-term projection of $750,000 to $1 million by 2026. In his recent interview, Hayes pointed to Bitcoin’s limited supply, the introduction of Bitcoin spot ETFs in regulated markets, and geopolitical uncertainties as significant factors driving this anticipated growth.

Renowned bitcoin analyst PlanB predicts a potential all-time high of $524,000 for bitcoin in the next four years.

Analysts at Blockware Solutions suggest that the 2024 bitcoin halving could propel the price to a staggering $400,000 in the next 5 years.

Mike Novogratz, a prominent Bitcoin advocate and CEO of Galaxy Digital, has significantly revised his earlier bullish predictions for Bitcoin. In 2021, he had anticipated Bitcoin reaching $500,000 by 2024, even planning a commemorative tattoo for the milestone. Novogratz maintains a long-term optimistic view, believing Bitcoin will eventually hit $500,000, though not within the next five years.

His current ultra-bullish Bitcoin price prediction is influenced by Federal Reserve Chair Jerome Powell’s firm stance on interest rates, which Novogratz has forecasted as a barrier to a rapid return to BTC’s previous highs.

Mark Basa gave a more bullish Bitcoin price prediction for 2030 and beyond. He expected the token to reach $1m in the next eight years.  He believes that a whole new generation of young people is going to be introduced to easier ways to buy Bitcoin and interact with crypto. They’ll be faced with a much higher cost of living, US debt, inflation, and a housing market almost out of reach.

The most bullish 2030 Bitcoin price prediction comes from Cathie Wood of ARK Invest. She forecasts Bitcoin will hit $1.5 million by 2030.

The Bitcoin price prediction for the next 5 years from WalletInvestor is bearish, with BTC forecasted to trade around 20,000 USD.

Giving longer-term price targets for bitcoin in 2030, DigitalCoinPrice, as of 18 April 2023, suggested that the coin could trade at an average price of $305,981.72 in 2030.

On the bright side, if the market recovers, Bitcoin could reach new highs by 2030. According to PricePrediction, the average Bitcoin value could be $387,000.  

According to CoinPriceForecast, Bitcoin price will hit  $90000 by the end of 2026. Bitcoin will rise to $100000 within the year of 2028, $120000 in 2029, $140000 in 2030, $150000 in 2031, and $200000 in 2035.  

Is It Possible to Forecast the Price of Bitcoin?  

Many price predictions for Bitcoin are flawed because they lack the necessary analytical support. Investors will always be attracted to a high price point, especially one that is on an upward price trend. Someone holding a cryptocurrency priced at $0.01 could easily believe that it will rise to $10,000 just because it sounds good.  

The problem is that predictions can be made without any evidence or analysis. However, three types of analysis have been used in the financial world for a long time to try and forecast prices and the evolution of markets.  

  • Technical Analysis 
  • Fundamental Analysis
  • Sentimental Analysis  

Bitcoin Forecast using fundamentals  

Investors in financial markets use fundamental analysis to study and evaluate the variables that impact an asset’s price. 

You can assess the intrinsic value of a cryptocurrency to determine if it is undervalued or overvalued. This can be achieved by analyzing qualitative factors like the state of the economy and cryptocurrency market conditions, as well as the management and market capitalization of crypto companies. 

Fundamental analysis can help traders determine the price of a cryptocurrency based on a wide range of information. This could be a great way to make long-term investment decisions. 

How to conduct a Bitcoin price prediction today using fundamentals

Fundamental analysis is when you examine the fundamentals of cryptocurrency projects, from their market capitalization to the utility and value of the native token. 

Do not confuse fundamental analysis and technical analysis. Fundamental analyses of cryptos are more qualitative and less tangible than statistical trends like price charts or historical market data. 

The fundamental analysis of cryptocurrency is like that of traditional financial markets with more traditional assets such as stocks. It is not as important to focus on a company’s historical financial performance, financial statements, or balance sheets. 

The following parameters can be used to help investors predict trends in crypto markets: 

  • Market capitalisation 
  • Total and circulating supply 
  • Token utility and use cases 
  • Community size 
  • The team for the crypto project
  • The crypto's trading volume
  • Crypto exchanges listings
  • Partnerships with trusted institutions
  • The latest news about the coin
  • Government rules and regulations 

It is important to remember that fundamental analysis can only give you an overview of cryptocurrency investments. You can better understand the project and the future changes in cryptocurrency prices by looking at all the information. To get a better picture, you can also refer to the company’s whitepaper. 

You can also examine blockchain metrics which provide crucial information about a cryptocurrency's technology and processes. 

Bitcoin Forecast using technical analysis 

Technical analysis uses historical price charts and market statistics to examine and anticipate price changes in the financial markets. It is founded on the concept that if a trader can recognize historical market trends, they may anticipate future price trajectories accurately. 

Whereas fundamental analysis focuses on an asset's 'real value,' considering both external and intrinsic elements, technical analysis is only based on an asset's price charts. To anticipate future movements, all that is required is the recognition of patterns on a chart. 

The ability to recognize price trend cues in a market is an important part of any trading strategy. All traders must devise a strategy for determining the optimal entry and exit points in a market and using technical analysis tools is a popular technique for doing so. 

Technical analysis software is now so widely utilized that many people believe it has established self-fulfilling trading rules: As more traders use the same indicators to find support and resistance levels, more buyers and sellers will congregate around the same price points, repeating the patterns. 

In general, technical analysts look at the following broad types of indicators, formations, and theories: 

 

Bitcoin Price Prediction Using Market Sentiments 

In finance, the term "sentiment" refers to a viewpoint or opinion about a market's condition. The sentiment of crypto market investors towards the asset is a description of their general emotions and attitudes. It reflects the collective psychology of all those involved in trading and developing cryptocurrency. 

How investors feel about cryptocurrency can have a tangible impact on market cycles and the price. It can have serious implications if enough traders act on the ideas, thoughts, and feelings they share, regardless of whether they are based on real-world data. This is evident in how tweets by Elon Musk have impacted Bitcoin's price (a bullish sentiment). 

For analyzing the sentiment of cryptocurrency markets, there are many statistics you can use. The following statistics provide vital information about the movement and trajectory of cryptocurrency assets: funding rates, sentiment indices, social media, community analysis, and whale monitoring. 

The funding rates are the monthly payments that traders receive based on price differences between the spot price of currencies and tokens and the price difference between cryptocurrency perpetual contracts. Positive funding rates indicate a bullish market.  

A sentiment index is used to predict whether investors will act fearfully or greedily. It can be affected by volatility, market momentum, and investor responses to surveys. A fearful market can be an opportunity to buy if it is managed correctly. Conversely, a greedy market means that it is a good moment to sell. 

Another crucial aspect for assessing sentiment in crypto markets is the community’s activity on social media, especially Twitter and Telegram. Investors would look for an active social network with meaningful interaction across platforms. 

Whale monitoring is the process of keeping an eye out for big crypto players. A cryptocurrency whale is an investor who holds large-value transactions on multiple blockchains. Whale watchers spot major market participants' trades and trade accordingly. 

Bitcoin Historical Prices 

To better inform your Bitcoin price predictions, here are the most important price movements and trends in Bitcoin's history.

2009 - 2015 

Bitcoin was first introduced in 2009. Back then, the price of BTC was zero. Its price reached $0.09 on July 17, 2010. In April 2011, the price was around $1 and surged to around $29.60 by June 2011, which was a 2,960% growth in only three months. Its price dropped to $2 by November 2011.  

Bitcoin had a steady evolution throughout 2012, and by 2013 it surged again, reaching $230 by April and then $1,237 in October 2013. However, the Bitcoin price plummeted by 2014, and it was around $300 by the start of 2015.  

2016-2022

The price of Bitcoin steadily climbed through 2016, reaching $900 by December 2016. In December 2017, Bitcoin's price reached $19,345.49, gaining massive social media attention. Major investors took notice of Bitcoin, and the cryptocurrency market exploded.   

The price of Bitcoin fluctuated over the next two years, with only small spikes in price. In June 2019, prices surpassed $10,000, indicating a rebound in both price and trading volume. It dropped to $6,635.84 in December 2019.  

The COIVD-19 pandemic caused the economy to shut down in 2020. However, Bitcoin's price surged into activity again. Bitcoin’s price was around $7,000 at the beginning of 2020. Then the price of the asset was accelerated by the pandemic shutdown and subsequent government policy. And they were right, as the price did increase about 416% by the end of the year, reaching $29,000 in December 2020.  

It took Bitcoin less than a month to surpass its 2020 price record of $40,000, which happened in January 2021. Prices fell by half in the summer of 2021. Bitcoin’s price reached its lowest point on July 19, when it was trading at $29,795.55.   

But the crypto market experienced another bull market during October and November, and Bitcoin reached an all-time record of $67,549.14 on November 7, 2021.   

Bitcoin failed to break the $70,000 level and started dropping in late 2021. The cryptocurrency has slipped into a bear market since November 2021, recording one of its biggest historical crashes in 2022, driven by the collapse of high-profile projects, liquidity issues and bankruptcies.

By the end of 2022, the cryptocurrency crashed below $20,000 for the first time since 2020, fueling extreme fear in the market. In December 2022, Bitcoin was struggling to maintain at $17,000. 

2023 and present  

In 2023, FTX founder Sam Bankman-Fried was found guilty of all seven criminal counts brought against him by federal prosecutors in the U.S.

Also in 2023, Binance’s Changpeng Zhao pleaded guilty to criminal charges and stepped down as the company’s CEO as part of a $4.3 billion settlement with the Department of Justice.

However, Bitcoin had a huge rally in 2023, with the digital currency up some 152% for the year.

At least some of this success can be chalked up to an improving overall economy; job gains, the deceleration of inflation, and the prospect of interest rate cuts this year have helped to bolster stocks, which have been shown to follow similar price patterns as cryptocurrencies.

The expected Bitcoin halving and Bitcoin ETF added optimism to the market. 

Bitcoin buy sell

FAQs about Bitcoin price prediction  

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Cristian Cochintu
Cristian Cochintu
financial_writer

Cristian Cochintu writes about trading and investing for CAPEX.com. Cristian has more than 15 years of brokerage, freelance, and in-house experience writing for financial institutions and coaching financial writers.