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23SymposiumScheduleFridayNovember221000AM-1150AMBreakoutContinuedGrowingWealthRiskTolerancePresiderBrendaVaughnTGWhatMakesWealthGrowIvanBeutlerBrighamYoungUniversityWealthgrowthopportunitiesaredifculttoobserveusingtraditionalfnancialstatements.Inthispaperawealthsensitivebalancesheetandincome-expensestatementispresentedtohelpidentiycorrectiveadjustmentsthatpromotewealthgrowth.Adjustmentsinvolvetheapplicationostraightorwardfnancialpracticese.g.pay-odebtlivewithinyourmeanssaveandinvest10oearnedincomere-investallinvestmentincomeandconvertexcessivedepreciatingassetsintowealthproducingassets.Alsodemonstratedishowtoanticipatethedollaramountowealthgrowthlikelytooccurromundertakingasetocorrectiveactions.DescribingRiskToleranceDoesaRiskCharacterizationPortraitExistJohnGrableUniversityofGeorgiaAbedRabbaniUniversityofGeorgiaDoesapersonsrisktolerancechangeromsituationtosituationordopeoplehaveastableriskportraitThispresentationwillhelpanswerthisquestionbyshowingthatrisktoleranceisnotentirelydomainspecifcbutratherageneralizedattitudeheldbyindividuals.Thepresentationwillprovidepractitionerswithhelpultechniquesthatcanbeusedwhenworkingwithclients.TealBallroomFinancialPractitionersInvestorEducationPresiderCindyPetersenUniversityoMinnesotaExtensionEducatorTheCultureofPersonalFinanceWhatFinancialPractitionersNeedtoKnowBarbaraM.ONeillRutgersUniversityThisworkshopwillpresentinormationabouttheimpactocultureuponpersonalfnanceattitudesandpractices.Culturedefnedascollectionosociallytransmittedbehaviorsandbeliesisalensthroughwhichpeoplevieweventsandmakedecisions.Thisworkshopwilldiscussteachingpersonalfnanceromamulticulturalperspectiveandfnancialcharacteristicsospecifcethnicgroups.Thisworkshopincludesa24-slidePowerPointpresentationandthreehands-onactivitiesFinancialCultureCoatoArmsBucketListandavaluesclarifcationactivity.EvaluationofanInvestorEducationProgramKristiLynWilkinsonUtahDivisionofSecuritiesJeanM.LownUtahStateUniversityLisaK.BoyceUtahStateUniversityUsingalogicmodelthisstudyevaluatedanInvestorEducationSeminartoassesstheeectivenessotheclassesinhelpingparticipantsimprovetheirfnancialcapability.Participantsandacomparisongroupcompletedpretestposttestandthree-monthollow-upsurveysmeasuringsatisactionknowledgeconfdenceattitudesandpractices.Althoughknowledgeandattitudesdidnotincreasesignifcantlyhierarchicalmultipleregressionrevealedasignifcantimprovementinfnancialconfdencescores.ManyparticipantsprogressedintheTranstheoreticalModeloChangetoahigherstageontheposttest.Studio220NOMAA