About the Author

Hello, I’m Adarsha Dhakal, the Founder and Research Lead of Investozora.com, a U.S.–focused personal finance publication built with a single mandate: to bridge the gap between complex regulatory data and consumer financial decisions.

Investozora was not established as a casual blog. It was built as a response to a financial media landscape often cluttered with recycled advice and vague marketing. Adarsha specializes in analyzing Federal Reserve policy, FDIC rate movements, and consumer credit trends to provide actionable, evidence-based financial intelligence.

I recognized early on that the internet is full of recommendations written by content farms that have never analyzed a bank’s balance sheet. That frustration drove me to build an alternative—a publication that respects the reader’s intelligence by prioritizing forensic research over speed.

Every guide on Investozora is the result of rigorous analysis. I dedicate significant hours to studying official data, bank call reports, APY disclosure sheets, and CFPB compliance documents. I do this not because it is easy, but because readers deserve to know the truth behind the fine print.

And I believe that when you understand the mechanism of a financial product, you can make confident, independent decisions. That is what Investozora stands for: Clarity through verification.

Why I Built Investozora

I founded Investozora to address a massive deficit in the market: the gap between what financial products promise and what they actually deliver. Too many finance sites are engineered solely to rank on search engines or sell affiliate products. I refused to contribute to that noise.

My goal was to build a publication where Consumer Trust is the primary metric. I have seen firsthand how financial misinformation—from high-fee savings accounts to predatory credit card rewards—can erode a family’s wealth.

Investozora is built on a foundation of primary-source journalism: tell the truth, show the data, and explain the implications in plain English. When I research, I go directly to the source the FDIC database, the CFPB Consumer Complaint records, IRS tax guidelines, and Federal Reserve official reports. I do not rely on secondary interpretations.

If a number appears on this site, I know exactly where it came from and what it means for your wallet. This commitment to integrity is why I write content that I would trust with my own capital.

How I Work: The Research Methodology

My editorial process is forensic. Every article begins with a “ground-up” audit of the topic. I read official rate sheets, regulatory filings, and product terms of service line-by-line. I do not summarize; I verify.

For example, if a bank advertises “up to 5.25% APY,” I do not simply repeat the claim. I access the official disclosure PDF, identify the minimum balance requirements, check for tiered rate structures, and analyze whether that yield is mathematically achievable for the average depositor.

I examine the triggers—direct deposit requirements, transaction limits, or promotional expirations—to ensure readers see the full picture. This depth takes time, but it is the difference between publishing information and publishing value.

I am not in a race to post fast; I am here to post accurately. My responsibility is to ensure that when you finish reading, you feel in control of your financial next steps, not overwhelmed by jargon.

My Writing Standards

Every piece of content on Investozora adheres to three core pillars that define our editorial identity:

Accuracy Over Speed

I never publish based on speculation. Every statistic or rate on Investozora is cross-referenced against its original source (FDIC, SEC, or Issuer). If a data point cannot be verified via an official document, it does not go live. I would rather publish one perfectly accurate guide per week than ten generic articles. In the YMYL (Your Money or Your Life) space, accuracy is the only currency that matters.

Transparency Over Monetization

Investozora is independent. I do not allow affiliate commissions or potential revenue to influence editorial sentiment. If a product is sub-par, I will state that clearly, regardless of the revenue impact. Readers are sophisticated; they can detect when content is written for a “click.” I disclose how I evaluate products and where my data originates, ensuring the platform remains a space built for users, not algorithms.

Clarity Over Jargon

Finance should empower, not intimidate. I avoid complex industry phrasing in favor of clear, conversational English. The goal is to make sophisticated financial concepts accessible to everyone. If an explanation feels overly technical, I rewrite it until it is intuitive. Quality is measured by how clearly a reader understands their options, not by the complexity of the sentence structure.

My Beliefs

Money is emotional before it is mathematical. It shapes how people live, dream, and plan for stability. You cannot separate the math from the human experience.

Most financial stress stems from a lack of clarity, not a lack of intelligence. People do not need flashy predictions; they need calm, reliable explanations. When I write, I visualize the reader sitting across from me—not as a “user,” but as a person trusting me with their time.

I do not write to impress regulators. I write to simplify the complex. My job is to remove fear from financial decisions, one article at a time.

My Background & Global Perspective

I handle all research, writing, and data verification on Investozora personally. I believe that in the age of AI, true expertise requires a human hand.

Global Vantage Point Operating from Kathmandu, Nepal, I leverage international market hours to monitor U.S. economic data releases and banking rate shifts in real-time. This distinct vantage point allows for deep-dive research into regulatory filings that is often overlooked in the 24-hour U.S. news cycle. While the U.S. sleeps, I am analyzing the latest data from the Federal Reserve and global markets to ensure our content is ready for the opening bell.

Professional Network & Industry Insight

I maintain an active professional presence within the U.S. financial media ecosystem. Through platforms like LinkedIn, I engage with editors, analysts, and researchers from institutions including Forbes, The Wall Street Journal, NerdWallet, Investopedia, and Bankrate.

This network allows me to benchmark Investozora against the highest editorial standards in the industry. Furthermore, I engage with senior teams from major supply-side platforms (PubMatic, Magnite, Raptive) to ensure our digital environment meets the strict compliance and brand-safety standards expected by top-tier U.S. advertisers.

By integrating these industry-standard practices, I ensure Investozora operates with the same rigor, transparency, and ethical compliance as the largest financial publishers in the United States.

Credentials

• Role: Founder & Research Lead at Investozora
• Specialty: Federal Reserve Policy, Consumer Banking Regulations, Credit Market Analysis
• Verification: Personally writes and fact-checks every guide against primary sources.
• Professional Profile: Adarsha Dhakal
• Direct Contact: adarsha@investozora.com

Site Performance & Trust

Since launching, Investozora has grown rapidly through organic reader trust. In just over 140 days, the platform has served over 6 million lifetime pageviews (server-level data) and nearly 2 million verified users via Google Analytics 4.

• Engagement: Readers spend an average of 15–30 minutes per session, indicating deep engagement with our long-form research.
• Audience: 97–99% of traffic originates from the United States.
• Authority: Our guides now rank alongside major institutional publishers for competitive queries like “best high-yield savings accounts” and “credit cards for LLC owners.”

This performance validates our thesis: Honesty, transparency, and high-quality research still win in an internet full of shortcuts.

Final Note

If you ever want to challenge an idea, ask a question, or discuss a financial topic, my inbox is open. Investozora exists to serve readers, not algorithms. If my research helps you make one better decision—whether avoiding a fee or finding a better rate—then this publication has served its purpose. Thank you for trusting my work.