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Dock David Treece

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About

Dock David Treece is a former licensed investment advisor and member of the FINRA Small Firm Advisory Board. His focus is on breaking down complex financial topics so readers can make informed decisions. He has been featured by CNBC, Fox Business, Bloomberg, and MarketWatch.

  • 10 Top Real Estate Stocks Of 2025

    Real estate stocks are companies that own or operate real property. The category includes real estate investment trusts (REITs), a special category of public companies that own real estate. Investing in real estate stocks can provide your portfolio with stable...
    10 Top Real Estate Stocks Of 2025

  • 10 Top Tech Stocks Of 2025

    The best tech stocks come from companies that are building the future. Whether they manufacture sleek mobile devices or develop the digital services you can’t live without, fast-growing technology stocks can set portfolios into hyperdrive. To help you take advantage...
    10 Top Tech Stocks Of 2025

  • 10 Top Consumer Staples Stocks Of 2025

    Consumer staples are the basic goods that people buy to support their everyday lives. Companies in this industry manufacture, distribute and sell products like food, beverages and personal hygiene products, which are typically less sensitive to economic cycles. To help...
    10 Top Consumer Staples Stocks Of 2025

  • 10 Top Consumer Discretionary Stocks Of 2025

    Whether they manufacture cars, design luxury goods or make fast food, consumer discretionary stocks profit from the full range of consumer goods and services. When you invest in consumer discretionary stocks, you’re buying companies that command strong brand loyalty among...
    10 Top Consumer Discretionary Stocks Of 2025

  • Best Healthcare Stocks of 2025

    Healthcare stocks belong to companies that develop pharmaceuticals, manufacture medical devices or provide medical care or health insurance. The sector’s strong numbers appeal to many investors: Health spending accounted for almost 18% of U.S. gross domestic product (GDP) at the...
    Best Healthcare Stocks of 2025

  • 10 Top Communications Stocks of 2025

    Communication stocks are shares of companies that provide wired, wireless, satellite, cable and other coms infrastructure to businesses and consumers. When you invest in communications companies, you buy shares of their future cash flows—and help develop the new technologies we...
    10 Top Communications Stocks of 2025

  • 10 Top Utilities Stocks Of 2025

    Utilities provide services to nearly every home and business in the United States, supplying them with electricity, natural gas and water. These heavily regulated companies are among the largest and most stable equity investments available in the stock market. When...
    10 Top Utilities Stocks Of 2025

  • How To Become A Financial Advisor

    Becoming a financial advisor can be a rewarding career choice; they help people save for their future and make wise investment choices. To become one, you’ll need to find a firm, get licensed and start building a book of business....
    How To Become A Financial Advisor

  • Financial Advisor Vs. Financial Planner: What’s The Difference?

    Although the terms financial advisor and financial planner are often used interchangeably, there are distinct differences between these two types of professionals. If you’re deciding between a financial advisor and a financial planner, here’s what you should know. What Is...
    Financial Advisor Vs. Financial Planner: What’s The Difference?

  • What Is Wealth Management? Do You Need It?

    Your wealth—as measured by both possessions and money—should be managed in order to grow or to avoid losing value. Wealth management is the process of reviewing and making decisions about your wealth so you can achieve your financial goals. A...
    What Is Wealth Management? Do You Need It?

  • Are You In The Top 1%?

    In this day and age, we hear a lot about income equality, and people want to know where they stand on the economic ladder. If you’re curious about how the “other half” lives—or whether you’re already part of the 1%—start...
    Are You In The Top 1%?

  • What To Know Before Hiring A Retirement Financial Advisor

    When it comes to retirement planning, working with a financial advisor can be beneficial. A retirement financial advisor can help you map out a plan to ensure that you have the resources needed to support yourself during retirement. However, not...
    What To Know Before Hiring A Retirement Financial Advisor

  • How To Invest In Gold

    Throughout history, few investments have rivaled gold in popularity as a hedge against almost any kind of trouble, from inflation, to economic upheaval or currency fluctuations, to war. When you think about investing in gold, don’t restrict yourself to just...
    How To Invest In Gold

  • What You Need To Know About Wealth Advisors

    When it comes to your wealth, growing it and protecting it should be your main concerns. A wealth advisor—or wealth manager—is a licensed financial advisor who helps high-net-worth individuals (HNWIs) and families manage their financial wealth. Wealth advisors work with...
    What You Need To Know About Wealth Advisors

  • Do You Need A Financial Advisor Or An Accountant?

    From certified financial planners (CFPs) and accountants, to wealth managers and financial consultants—there are plenty of different professionals out there who want to help you manage your money. Given all the options, it can be hard to know where to...
    Do You Need A Financial Advisor Or An Accountant?

  • HELOC Vs. Home Equity Loan: Which Is Right For You?

    A home equity line of credit (HELOC) is a loan that is backed by your house or other property and lets a borrower draw money as they need it, pay interest only on what they borrow and repay the balance...
    HELOC Vs. Home Equity Loan: Which Is Right For You?

  • Second Mortgage: What It Is And How It Works

    A second mortgage is a type of home loan—like a home equity loan—a lender approves in addition to an original mortgage that has not yet been paid off. Using a second mortgage, homeowners can borrow against the equity they have...
    Second Mortgage: What It Is And How It Works

  • What Is An Appraisal Contingency?

    An appraisal contingency clause is a provision included in purchase contracts that allows homebuyers to back out of their contract if a home is appraised for less than the purchase price included in the contract. Appraisal contingencies are commonly used...
    What Is An Appraisal Contingency?

  • What Is Loan-To-Value (LTV) Ratio And How To Calculate It

    A loan-to-value (LTV) ratio is a metric that measures the amount of debt used to buy a home and compares that amount to the value of the home being purchased. LTV is important because lenders use it when considering whether...
    What Is Loan-To-Value (LTV) Ratio And How To Calculate It

  • What Is A Mortgage Contingency?

    A mortgage contingency is a condition written into a real estate purchase contract that the buyer indicates must be met in order for them to close on the purchase. Buyers use these contingencies in order to protect themselves in case...
    What Is A Mortgage Contingency?

  • Liens: What They Are And How They Work

    Liens are legal tools used to protect the interests of creditors and other people who are owed money by property owners. They’re commonly used by banks, lenders, contractors and courts to ensure that property owners pay valid debts, such as...
    Liens: What They Are And How They Work

  • Mortgage Closing Costs Explained: How Much You’ll Pay

    Mortgage closing costs are the fees you pay when you secure a loan, either when buying a property or refinancing. You should expect to pay between 2% and 5% of your property’s purchase price in closing costs. If you’re buying...
    Mortgage Closing Costs Explained: How Much You’ll Pay

  • Is A Balloon Mortgage Right For Anyone?

    Balloon mortgages are loans that aren’t completely paid off when the loan ends. Instead, with a balloon mortgage, a considerable portion of the loan amount is due as a single lump-sum payment at the end of the loan term. These...
    Is A Balloon Mortgage Right For Anyone?

  • Prepayment Penalty: What It Is And How To Avoid One

    A prepayment penalty is a fee that lenders charge borrowers who pay off all or part of their loans ahead of schedule. These fees are outlined in loan documents and are allowed in certain types of loans, like conventional mortgages,...
    Prepayment Penalty: What It Is And How To Avoid One

  • Fixed-Rate Mortgage: What It Is And When To Use One

    A fixed-rate mortgage is a type of loan that is secured by real estate and has an interest rate that remains unchanged during the mortgage term. These mortgages are ideal for borrowers who want to lock in their interest rate and always...
    Fixed-Rate Mortgage: What It Is And When To Use One

  • What Is A Mortgage?

    A mortgage is a type of loan that is secured by real estate. When you get a mortgage, your lender takes a lien against your property, meaning that they can take the property if you default on your loan. Mortgages...
    What Is A Mortgage?

  • Conventional Loan: What You Need To Know To Qualify

    Conventional mortgages make up the majority of all home loans. They're issued by banks and other lenders, and often sold to government-backed entities like Fannie Mae and Freddie Mac. Even though a conventional loan is the most common mortgage, it...
    Conventional Loan: What You Need To Know To Qualify

  • What Is A USDA Loan?

    USDA loans are home loans issued or guaranteed by the United States Department of Agriculture. These loans are part of the USDA’s Rural Development program, meant to encourage homeownership in small communities across the U.S. by offering low-interest, low-down-payment mortgages...
    What Is A USDA Loan?

About

Dock David Treece is a former licensed investment advisor and member of the FINRA Small Firm Advisory Board. His focus is on breaking down complex financial topics so readers can make informed decisions. He has been featured by CNBC, Fox Business, Bloomberg, and MarketWatch.