Congratulations to past winners of the AFCPE Outstanding Symposium Research Paper!
2017: "Budgeting and Financial Capability: A Perspective of Behavioral Hierarchy"
Dr. Barbara O'Neill is a Distinguished Professor at the Rutgers School of Environmental and Biological Sciences, and is Rutgers Cooperative Extension's Extension Specialist in Financial Resource Management. From August 1978 to June 2004, she was Family and Consumer Sciences Educator in Sussex County, N.J. and taught over 1,100 classes and speaking engagements to over 24,000 adult learners. She is also project director for the national Cooperative Extension basic investing program, Investing for Your Future. Dr. O'Neill is a prolific writer and has written over 1,500 consumer newspaper articles and over 100 articles for academic journals, conference proceedings, and other professional publications. She is a certified financial planner (CFP), chartered retirement planning counselor (CRPC), accredited financial counselor (AFC), certified housing counselor (CHC), and certified in family and consumer sciences (CFCS). Dr. O'Neill has held various leadership roles in state and national professional associations and served as president of the Association for Financial Counseling and Planning Education (AFCPE) in 2003. She is the author of two trade books, Saving on a Shoestring and Investing on a Shoestring, and co-author of Money Talk: A Financial Guide for Women. She has also written three financial case study textbooks, an online Guidebook to Help Late Savers Prepare for Retirement, and six book chapters. Dr. O'Neill received her Ph.D. in family financial management in 1995 from Virginia Tech and holds a master's degree in consumer economics from Cornell University and a B.S. in home economics education from the State University of New York at Oneonta.
Dr. Jing Jian Xiao is Professor of Family FInance in the Department of Human Development and Family Studies at University of Rhode Island, teaching courses and conducting research in consumer economics and personal finance. He edited and contributed to books such as The Mathematics of Personal Finance and Handbook of Consumer Financial Research. He is the editor-and-chief of Journal of Financial Counseling and Planning, the official research journal of Association for Financial Counseling and Planning Education. He is also editing a book series entitled International Series on Consumer Science. He served as the president of American Council on Consumer Interests, president of Asian Consumer and Family Economics Association, the board member of National Consumer League, among others. He served as consultant and guest speaker for several financial literacy projects sponsored by the US Department of Treasury and National Endowment for Financial Education. He has been invited to give guest lectures on consumer financial behavior research in China, Japan, South Korea, Taiwan, and other countries/areas. He received his PhD in consumer economics from Oregon State University and MS and BS in economics from Zhongnan University of Economics and Law.
2016: "Examining the Community of Inquiry (COI) Model for Guiding Online Learning Related to Personal Finance"
Sandra J. Huston, PhD is an associate professor and director of the Personal Finance program in the department of Personal Financial Planning at Texas Tech University. Dr. Huston is an online education consultant for WebEd Consulting and also consults for The Financial Literacy Group in Washington, DC. She received a PhD in consumer economics from the University of Missouri-Columbia. Dr. Huston’s research interests focus on human capital specifically related to personal finance (financial literacy) and the financial planning process, household use of financial advice, and the impact of financial sophistication on resource allocation within household portfolios. Dr. Huston was the 2013 recipient of the Chancellor’s Council Distinguished Research Award and the 2014 & 2015 winner of the AFCPE® Outstanding Symposium Paper Award. She is currently developing her financial health model to illustrate how both functional finance (financial literacy) and perceptual finance impact our financial health. Dr. Huston also leads the AFCPE Research Task Force.
Dawn Abbott, MS is currently an instructor for the Personal Finance Program within the Personal Financial Planning Department at Texas Tech University and is an online education consultant for WebEd Consulting. She served as the Assistant Director of the Personal Finance Program from 2013 to 2016. Dawn has extensive knowledge in online/traditional course design and online teaching techniques. Dawn’s research focuses on the effectiveness and impact of online education, specifically in relation to Personal Finance education. She is an active member of the Association for Financial Counseling and Planning Education® and is an Accredited Financial Counselor®. Dawn is currently the chair of the AFCPE Financial Task Force and serves as a member of the AFCPE Research Task Force.
2015: “Financial Sophistication and the Credit Card Puzzle”
Sandra J. Huston is an associate professor and director of the Personal Finance program in the department of Personal Financial Planning at Texas Tech University. She received a Ph.D. in consumer economics from the University of Missouri-Columbia. Dr. Huston’s research interests focus on human capital specifically related to personal finance and the financial planning process including financial literacy, household use of financial advice, and the impact of financial sophistication on resource allocation within household portfolios. Dr. Huston was the 2013 recipient of the Chancellor’s Council Distinguished Research Award and a 2014 AFCPE® Outstanding Symposium Paper Award winner. She is currently developing her financial health model with a particular emphasis on how student financial health is addressed on college campuses.
Laura C. Ricaldi is an assistant professor in the Personal Financial Planning Program in the Woodbury School of Business at Utah Valley University. She received a Ph.D. in Personal Financial Planning and a MBA in Management from Texas Tech University. Dr. Ricaldi currently teaches several financial planning courses including introduction to the PFP profession, risk management and insurance, and the financial planning capstone course. Her research interests include credit card use, debit card use, financial literacy, gender issues and generational cohorts. She enjoys working on financial planning research that directly impacts financial planning practitioners as well as extending the applications to the community in Utah.