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The Academy of Financial Services 35th Annual Meeting

September 21–22, 2021

Virtual

Gender Differences in Education Loan Use

Tuesday, September 21, 2021 at 9:45 AM–10:45 AM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
education loan, gender difference

Lead & Corresponding Author

[photo]
Shan Lei, Salisbury University

Additional Authors

Oscar J. Solis, West Texas A&M University

How Are Student Loans Associated with Life Satisfaction?

Tuesday, September 21, 2021 at 9:45 AM–10:45 AM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
Student loans, correlated random effects

Lead & Corresponding Author

[photo]
Di Qing, Texas Tech University

Additional Authors

Charlene Kalenkoski, PhD, Texas Tech University

How to Promote Empathic Financial Planning?

Tuesday, September 21, 2021 at 9:45 AM–10:45 AM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
behavioural competency, empathy, lived experience

Lead & Corresponding Author

[photo]
Csilla Skultety, School of Business, Western Sydney University, Australia

Additional Authors

Dr. Michelle Cull, School of Business, Western Sydney University
Dr. Ann Dadich, School of Business, Western Sydney University

Session Materials

Income Investing in a Low Yield Environment

Tuesday, September 21, 2021 at 10:45 AM–11:45 AM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
retirement income, dividends, inveting

Lead & Corresponding Author

[photo]
David Blanchett, PGIM

Additional Authors

Saving More With Less: Optimal Plan Design with Automatic Enrollment and Employer Match Contributions

Tuesday, September 21, 2021 at 10:45 AM–11:45 AM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
Retirement Financial Planning, 401k Saving, Auto-deferral Rate, Employer Match

Lead & Corresponding Author

[photo]
Zhikun Liu, Empower Retirement™

Additional Authors

David Blanchett, PGIM

Understanding the Subtleties of Small-Dollar Mortgage Originations

Tuesday, September 21, 2021 at 10:45 AM–11:45 AM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
Small-dollar, Non-traditional, Mortgages, Financing, Interest

Lead & Corresponding Author

[photo]
Michael Gawrys, The University of Georgia

Additional Authors

Factors related to financial advice-seeking in times of COVID 19?

Tuesday, September 21, 2021 at 11:45 AM–1:00 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
financial advice, financial service, financial planning, help-seeking

Lead & Corresponding Author

[photo]
Wookjae Heo, Ph.D., Purdue University

Additional Authors

Jae Min Lee, PhD, Minnesota State University, Mankato

Financial Planning and Decision-Making with a Life-Cycle Model

Tuesday, September 21, 2021 at 11:45 AM–1:00 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
Financial Planning, Living Standard, Education

Lead & Corresponding Author

[photo]
rpuelz@smu.edu Robert Puelz, Southern Methodist University

Additional Authors

“What Are the Mindsets and Behaviors that Contribute to Bankruptcy, and How Do They Influence Athletes In Particular?”

Tuesday, September 21, 2021 at 11:45 AM–1:00 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
Financial, literacy, mindset, behaviors, psychology,

Lead & Corresponding Author

[photo]
Don Padilla®, California Lutheran University and MVP Sports & Entertainment Management

Additional Authors

Awards and Recognition

Tuesday, September 21, 2021 at 1:00 PM–2:00 PM Eastern Time (US & Canada) add to calendar
Virtual

Lead & Corresponding Author

Additional Authors

Keynote Address - Ana Trujillo Limon

Tuesday, September 21, 2021 at 1:00 PM–2:00 PM Eastern Time (US & Canada) add to calendar
Virtual

Lead & Corresponding Author

Additional Authors

A Discussion on Life Insurance Planning for Income Replacement

Tuesday, September 21, 2021 at 3:45 PM–5:00 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
Life Insurance Planning

Lead & Corresponding Author

[photo]
David D Hu, Highline Wealth Partners

Additional Authors

Insurance Alchemy: The Fixed Rate Annuity Anomaly

Tuesday, September 21, 2021 at 3:45 PM–5:00 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
fixed rate annuities, annuities

Lead & Corresponding Author

[photo]
David Blanchett, PGIM

Additional Authors

Michael Finke

Optimizing Multi-Generational Value using Private Placement Life Insurance

Tuesday, September 21, 2021 at 3:45 PM–5:00 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
private placement life insurance, optimize

Lead & Corresponding Author

[photo]
James DiLellio, Pepperdine University

Additional Authors

Pepperdine University

The Relationship between Life Insurance and Satisfaction with Retirement Income

Tuesday, September 21, 2021 at 3:45 PM–5:00 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
Retirement, Satisfaction with retirement income, Life Insurance, Cash value life insurance, Term life insurance

Lead & Corresponding Author

[photo]
Sabina Pandey, CFP®, Texas Tech University

Additional Authors

Change of finance-related psychological factors and payment behavior due to COVID-19

Tuesday, September 21, 2021 at 5:00 PM–6:00 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
COVID-19, Behavioral finance, payment behavior

Lead & Corresponding Author

[photo]
Keewon Moon, Yonsei University

Additional Authors

Wookjae Heo, Ph.D., Purdue University

It’s Good to Have Options: The Potential Benefits of Allocating to Protected Wealth Strategies

Tuesday, September 21, 2021 at 5:00 PM–6:00 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
options strategies, buffers, floors

Lead & Corresponding Author

[photo]
David Blanchett, PGIM

Additional Authors

Retail investors decision making based on Reddit-Wallstreetbets posts and Robinhood account holdings from May-2018 to May - 2021

Tuesday, September 21, 2021 at 5:00 PM–6:00 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
Reddit, Robinhood

Lead & Corresponding Author

[photo]
Yuanshan Cheng, Ph.D., Winthrop University

Additional Authors

The Retirement Income: The Case of Short-Term Rental Property Direct Investment Compared to a Dividend Stock

Tuesday, September 21, 2021 at 6:00 PM–7:15 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
retirement income, short-term rental, CAPEX, investment, investment evaluation

Lead & Corresponding Author

[photo]
Chia-Li Chien, PhD, CFP, PMP, California Lutheran University

Additional Authors

Hossein Salehi, Ph.D., CFP, California Lutheran University
Stefan Cosentino, Ph.D., California Lutheran University

Australian superannuation (pension) funds - understanding asset mix and risk, the significance of retirement income product choice

Tuesday, September 21, 2021 at 6:00 PM–7:15 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
superannuation, pensions, risk, retirement, Australia

Lead & Corresponding Author

[photo]
Loretta A Iskra, School of Business, Western Sydney University, Australia

Additional Authors

Financial Advice, Financial Literacy and Social Interaction: What Matters to Different Phases of Individuals’ Retirement Saving Decisions?

Tuesday, September 21, 2021 at 6:00 PM–7:15 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
Financial advice, financial literacy, retirement

Lead & Corresponding Author

[photo]
Dr Jasmine Fang, PhD, Massey University

Additional Authors

Wei Hao
Michelle Reyers

Proposition of a new financial capability indicator

Tuesday, September 21, 2021 at 6:00 PM–7:15 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
Financial capability, psychological

Lead & Corresponding Author

[photo]
Meg Wedlock, Massey University At Manawatu

Additional Authors

Beginning to Save: Rationality, Financial Knowledge, and Behavior

Wednesday, September 22, 2021 at 9:30 AM–10:45 AM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
Saving, Financial Literacy, Behavioral Finance

Lead & Corresponding Author

[photo]
Anne Wittig, California Lutheran University

Additional Authors

Perception Bias in the Financial Knowledge of American Adults

Wednesday, September 22, 2021 at 9:30 AM–10:45 AM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
Perception-Bias; Financial-Knowledge; Two-step-procedure; Surrogate-residual; Mixed-effects-model;

Lead & Corresponding Author

[photo]
Taufiq Hasan Quadria, Texas Tech University

Additional Authors

The role of cultural values in financial advice relationships

Wednesday, September 22, 2021 at 9:30 AM–10:45 AM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
culture, values, financial, planning, advice

Lead & Corresponding Author

[photo]
Amanda Craft, Griffith Business School

Additional Authors

A Comparison of Financial Risk-Tolerance Assessment Methods

Wednesday, September 22, 2021 at 10:45 AM–12:00 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
financial risk tolerance, propensity measures, stated preferences, revelated preferences

Lead & Corresponding Author

[photo]
Dr John Grable, University of Georgia

Additional Authors

Eun Jin Kwak, University of Georgia

Affirming the five languages of investment fraud.

Wednesday, September 22, 2021 at 10:45 AM–12:00 PM Eastern Time (US & Canada) add to calendar
Virtual

Lead & Corresponding Author

Additional Authors

Measuring financial advice: aligning client elicited and revealed risk

Wednesday, September 22, 2021 at 10:45 AM–12:00 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
Value-at-risk, Portfolio management, Financial advice

Lead & Corresponding Author

[photo]
John R.J. Thompson, Wilfrid Laurier University

Additional Authors

Longlong Feng, Wilfrid Laurier University
Chuck Grace, Ivey Business School
R. Mark Reesor, Wilfrid Laurier University
Adam Metzler, Wilfrid Laurier University

Taking Stock of New Investors: Race, Ethnicity, Gender and Investing Behavior

Wednesday, September 22, 2021 at 10:45 AM–12:00 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
New investors, race, ethnicity, gender

Lead & Corresponding Author

[photo]
Angela Fontes, PhD, NORC

Additional Authors

Mark Lush
Meimeizi Zhu
Olivia Valdes, FINRA Investor Education Foundation
Robert Ganem, FINRA Investor Education Foundation
Gary R Mottola, Ph.D., FINRA Foundation

A Strategy of Dollar-Cost-Averaging, Indexing and Dynamic Asset Allocation: How Well Does It Serve the Average US Family?

Wednesday, September 22, 2021 at 12:00 PM–1:15 PM Eastern Time (US & Canada) add to calendar
Virtual

Lead & Corresponding Author

[photo]
Dr. Jim Fischer, CIM, FCSI, Mount Royal University

Additional Authors

Buy and buy again: The impact of unique reference points on (re)purchase decisions

Wednesday, September 22, 2021 at 12:00 PM–1:15 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
purchases, representativeness; reference points, performance

Lead & Corresponding Author

[photo]
Dr. Gizelle D. Willows, University of Cape Town

Additional Authors

Dr. Daniel W. Richards, York University

The Era of Retail Investors: Evidence from Reddit and Robinhood

Wednesday, September 22, 2021 at 12:00 PM–1:15 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
Retail investors; Reddit; Robinhood

Lead & Corresponding Author

[photo]
Yuanshan Cheng, Ph.D., Winthrop University

Additional Authors

Tao Guo, William Paterson University

The Shape of the Expected Equity Risk Premium

Wednesday, September 22, 2021 at 12:00 PM–1:15 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
equity returns, equity risk premium, bond yields

Lead & Corresponding Author

[photo]
David Blanchett, PGIM

Additional Authors

Comprehensive financial planning: Examining the intersection of planning for college funding and health insurance

Wednesday, September 22, 2021 at 1:15 PM–2:15 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
Financial planning, college planning

Lead & Corresponding Author

[photo]
Steve P. Fraser, Florida Gulf Coast University

Additional Authors

Brian C. Payne, University of Nebraska at Omaha

Credit Rating Changes and Debt Structure

Wednesday, September 22, 2021 at 1:15 PM–2:15 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
Credit watch, credit ratings, capital structure

Lead & Corresponding Author

[photo]
Joseph M. Goebel, PhD, Ball State University

Additional Authors

Kristopher J. Kemper

Role of Financial Knowledge, Impulsivity, and Social Motivation on Credit Card Bill Payment Behavior of College Students

Wednesday, September 22, 2021 at 1:15 PM–2:15 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
Financial knowledge, impulsivity, social motivation, credit card bill payment behavior

Lead & Corresponding Author

[photo]
Abed Rabbani, University of Missouri

Additional Authors

Zongze Li, University of Missouri - Columbia

An Assessment of the Association between Political Orientation and Financial Risk Tolerance

Wednesday, September 22, 2021 at 2:15 PM–3:15 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
financial risk tolerance, political orientation, political affiliation

Lead & Corresponding Author

[photo]
Dr John Grable, University of Georgia

Additional Authors

Eun Jin Kwak, University of Georgia
Dr. Dee Warmath, Ph.D., University of Georgia

Evaluating Non-financial Preferences Using a Modified MaxDiff

Wednesday, September 22, 2021 at 2:15 PM–3:15 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
ESG, Revealed Preferences, Non-financial, MaxDiff

Lead & Corresponding Author

[photo]
Shawn Brayman, Morningstar

Additional Authors

Using Education and Genetic Information to Explore Stability of Risk Preference

Wednesday, September 22, 2021 at 2:15 PM–3:15 PM Eastern Time (US & Canada) add to calendar
Virtual
Keywords
Risk Preference, Education, Genetic Information, Endogenous Risk Preference

Lead & Corresponding Author

[photo]
Dongyue Ying, The Ohio State University

Additional Authors

Workshop: Adding New CFP Board Learning Objective to Your CFP Board Registered Program Curriculum

Wednesday, September 22, 2021 at 3:00 PM–4:15 PM Eastern Time (US & Canada) add to calendar
Virtual

Lead & Corresponding Author

[photo]
Lisa Pender, Dalton Educartion

Additional Authors

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