Jinhee Kim

During my first year of college, I wrote my plan for what I dreamed to accomplish in my life, by when, and how. It was a comprehensive plan with many details. As with most plans, it had flaws. For example, it did not include living in the United States or... Read More >

Michelle Budzien

Retirement can be an exciting time, however it can also be stressful. Even with proper financial planning, determining how much money is needed to last you until your final days is nearly impossible with so many unknowns. There are steps that clients can take to make the process easier, by... Read More >

Rebecca Wiggins

Greetings from the AFCPE National Office! We are off to the races this year after an exciting and productive 2015. In December, AFCPE earned the National Commission for Certifying Agencies (NCCA) Accreditation. This achievement ensures that the AFC® program aligns with the best practices from an outside accrediting body and demonstrates... Read More >

Jill Ladouceur

Clinton Gudmunson, Ph.D., an assistant professor in the department of Human Development and Family Studies at Iowa State University, led the implementation and dissemination of a student-driven savings app, SaveIt! The app was developed during a weekend competition called Money Game Jam. Once selected, it went through further development by... Read More >

William Elliott III and Melinda K. Lewis, Joyce Serido, MBA and Lori Hendrickson, M.Ed., CFCS, AFC®, Ph.D.

If higher education is a pathway to the American Dream (i.e., financial security and economic mobility), does student loan debt block that pathway? This book offers an interesting perspective on the correlation between the current student loan program and the long-term impact of student loan debt. Rather than a discussion... Read More >

Lisa Philios, AFC®

What would you say if I told you an ATM can help your clients save money?  First, consider the typical behavior at an ATM. ATMIA, the ATM Industry Association provides the following statistics from their September 2015 research (http://www. statisticbrain.com/atm-machine-statistics/): The average number of times a person visits an ATM... Read More >

David Cay

Something new is being addressed in financial markets: behavioral finance. One of the main insights from behavioral finance is that not all people are rational. It is my belief that frankly no one is financially rational, myself included. Here are some tools to help clients and communities understand three behavioral... Read More >

Joe Botta, CHC®, AFC®

For most clients, buying a home for the first time is a complex and potentially anxiety inducing experience. In addition to the large sum of money involved, first time (i.e. inexperienced) homebuyers are dealing with professionals in a business with which they are almost entirely unfamiliar. Most buyers quickly become... Read More >

Erica Tobe, Ph.D.

This quarter’s research briefs focus on the importance of savings and understanding saving behaviors when working with clientele. To reflect AFCPE’s commitment to help make research more palatable, here are three research articles that provide a sound base for savings and have implications when working with clientele. “Savings Goals and... Read More >

Jinhee Kim

You may think of the AFCPE Board of Directors when there are nominations and elections of Board members. But, what does the elected Board do in the role of serving our organization? Some of the obvious, visible ways you may see board members is at the annual symposium when we... Read More >

Jennifer Lear

Recognizing when there are other professionals who might be in a better position to help our clients may be one of the best ways to help them. Clients fall into many categories—some can be helped by a financial counselor, some may be assisted by a referral to an attorney, some... Read More >

Rebecca Wiggins

Greetings from the AFCPE® national office! As we prepare for another productive year ahead, I wanted to take this opportunity to reflect on the exciting growth we experienced in 2015. Thank you for helping us make the 2015 Symposium a huge success. We had record attendance, terrific sessions, and outstanding exhibitors.... Read More >