Barbara A. Smith

The Social Security Statement is one of the most important outreach efforts of the Social Security Administration (SSA). In October 1999, SSA began sending out the Statement to inform Americans aged 25 or older about their estimated benefits and their earnings records. This article reviews the Statement’s history, discusses how... Read More >

Jae Min Lee, Sherman D. Hanna

The purpose of this study was to examine associations between saving goals and saving behavior from a perspective of Maslow’s Hierarchy. Using 1998-2007 Surveys of Consumer Finance data-sets, we analyzed responses given to an open ended saving reason question, and categorized responses into six saving goals. The retirement/security goal was... Read More >

Frank C. Bearden

Conflicts of interest (COI) are an ethical issue for financial planners because they impair professional judgment if not addressed. This article describes a quantitative, cross-sectional study of COI recognition in pending engagements and measuring the influence of time in practice and financial planning credentials upon recognition. Participants were 51 graduates... Read More >

Sonya L. Britt, Anthony Canale, Fred Fernatt, Kristen Stutz, Racquel Tibbetts

This study had two distinct purposes. First, to determine the predictors of financial stress among college students who sought free peer-based financial counseling from a large Midwestern university (N = 675). Secondly, to determine the effectiveness of the particular financial counseling center from a subsample of those who sought help... Read More >

Michael L. Walden

There are 19 million workers and retirees and $3 trillion of assets in state pension plans. However, questions have arisen about the long-run ability of the plans to pay promised benefits to retirees. Consequently, proposals have been made to reduce promised pension payments or alter other terms of the pension... Read More >

Stuart J. Heckman, Sherman D. Hanna

This research sought to further understanding of factors related to low-income household saving behavior. Saving behavior, defined as whether a household spent less than income, was analyzed by applying institutional theory, which proposes that households’ institutional environment has a substantial effect on financial decisions. Two logistic regression models were used... Read More >

Martin Seay, Sarah Asebedo, Cametra Thompson, Cherie Stueve, Ricardo Russi

The purpose of this study was to evaluate the relationship between holding mortgage debt into retirement and financial satisfaction. Using data from the 2012 National Financial Capability Survey, this study explored the association between holding a mortgage in retirement and financial satisfaction through the use of a two-block hierarchical regression... Read More >

Barbara O'Neill

Editors: Nancy Morrow Howell and Margaret S. Sherraden Publisher: Oxford University Press ISBN # 978-0-19-937430-4 Read More >