TTU Home Human Sciences Home PFP Home Ph.D. Home

Personal Financial Planning

Ph.D. Bios

C. Michael Abbott

Ph.D. Student | Email: michael.abbott@ttu.edu

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? Spring 2017

Why did you choose Texas Tech? I actually commenced my graduate studies at Texas Tech in the Field of Psychology because the research that was being conducted here alligned with my research interests. After completing the required coursework to obtain a Master of Arts in Psychology, I deemed that my skills would be better utilized in a financial field. Upon investigation, it turned out that Texas Tech had the only PhD program in the nation for Personal Financial Planning. This program comes with great prestige and honor.

Research Papers: Hurst, A. C., Reich, D. A., Abbott, C. M., Randell, J. A., & Smith, K. R. (2012). Impressions of others. (Idea development, materials development, design.) Data Collection.
Abbott, C. M., Reich, D. A. (2011). First Impressions:the impact of regulatory focus and exposure time on judgments of trustworthiness. (Idea development, materials development, design.) Data Analysis.
Dartt, A. A., Abbott, C. M., (2013). iIsolation: PED-Social Isolation. (Idea development, materials development, design.) Data Collection.

Prior Degrees: B.A. in Sociology (Cum laude), Ohio State University, 2007
M.A. in Psychology, Texas Tech University, 2013

Research Interest: Behavioral Finance, Retirement Planning, Financial Counseling

Teaching Interests: Financial Counseling, Behavioral Finance, Introduction to Personal Finance

Vita

Maher Alyousif

Ph.D. Student | Email: maher.alyousif@ttu.edu

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? Fall 2016

Why did you choose Texas Tech? While managing financial advisory training programs at Saudi Arabian Monetary Agency I developed an interest in pursuing a graduate level study in personal financial planning and found that Texas Tech PhD program is unique compared to other universities in the US and other countries. The academic structure and research focus makes Texas Tech program well positioned to lead the work in both theoretical understanding and practical applications of current issues facing the industry.

Prior Degrees: BA in Sociology-Damascus University
MBA-California State University, San Bernardino

Research Interest: behavioral finance, investment decision making, asset allocation, financial planning education and program development.

Teaching Interests: behavioral finance, investment and wealth management.

Vita

Khawaja U. Aslam

Ph.D. Student | Email: khawaja.aslam@ttu.edu

Phone: 806.742.5050 | Office: HS 274

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? I intend to finish coursework by Fall 2017 with an anticipated graduation date of Spring 2018.

Why did you choose Texas Tech? Being an alumnus of Texas Tech, I’ve been cognizant of the Personal Financial Planning program’s reputation and how well recognized it is in both the academic and professional industries. The program is a CFP board registered program which provides a great research environment for graduate students. The school’s program is vested in its students’ success and provides plethora of resources for them to network and hone their skills for successful careers in academia and private industry. The program’s focus on research coupled with the resources available to graduate students to develop their professional careers makes Texas Tech an ideal choice for me to pursue a doctoral education.

Prior Degrees: MBA in Accounting & MS in Accounting, University of Dallas, Graduate School of Management
BA in Economics, Texas Tech University

Research Interest: Behavioral Finance, Portfolio Design and Optimization, Wealth Management

Teaching Interests: Asset Management, Money Management, Personal Finance, Introduction to Personal Financial Planning, Investments.

Vita

Lua Augustin

Ph.D. Student | Email: lua.augustin@ttu.edu

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? August 2017

Why did you choose Texas Tech? Texas Tech has the best Personal Financial Planning program and has a host of excellent professors. The program is small enough to have that personal touch but the graduates and faculty are doing big things!

Research Papers:

Research Presentations:

Prior Degrees: M. Ed., Lamar University
MBA, Midwestern State University
BBA, Midwestern State University

Research Interest: Impact of Micro lending on Debt reduction, Financial Planning education, Behavioral finance

Teaching Interests: Fundamentals of personal financial planning, Budgeting and debt reduction.

Vita

Qianwen (Rachel) Bi

Ph.D. Student | Email: qianwen.bi@ttu.edu

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? May 2014

Why did you choose Texas Tech? TTU has the best Personal Financial Planning Ph.D. program in the U.S. I want to be the best of the best.

Prior Degrees: MBA concentration in Finance, Texas Tech University Rawls of Business School
MS in Personal Financial Planning, Texas Tech University Human Sciences
BA in Management of Information Systems, Dalian Maritime University

Research Interest: Technology impact in Personal Financial Planning

Teaching Interests: Advanced Technology in PFP, Introduction to Personal Financial Planning (major and non-major), Asset Management, Risk Management, Retirement Planning, Behavior Finance

Vita

David M. Blanchett, CFA, CFP®, CLU, QPA, AIFA®

Ph.D. Student | Email: david.blanchett@ttu.edu

Phone: 859.492.5637 | Office: HS

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? Fall 2015

Why did you choose Texas Tech? To become a more effective researcher in the field of financial planning

Research Papers: http://www.davidmblanchett.com/research

Prior Degrees: BBA in Finance and Economics University of Kentucky,
MS in Financial Service from the American College
MBA from the University of Chicago Booth School of Business

Research Interest: retirement income planning, financial planning, asset management

Vita

Jimmy Cheng

Ph.D. Student | Email: yuanshan.cheng@ttu.edu

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? May 2015

Why did you choose Texas Tech? As the best personal financial planning program in the nation, there are many interesting topics and resources here to do the research

Prior Degrees: Agricultural & Applied Economics, Master, Texas Tech University
Agricultural Economics, Bachelor, Lanzhou University

Research Interest: Investment behavior, Consumption behavior, Financial Planning Education, ETFs

Teaching Interests: Asset Management, Introduction to Personal Financial Planning

Vita

Debanik Das

Ph.D. Student | Email: debanik.das@ttu.edu

Phone: 806.742.5050 | Office: HS 240

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? 2016

Why did you choose Texas Tech? After completing my Finance undergraduate degree from the University of Nebraska Lincoln, I wanted to pursue a graduate degree which would combine the pace of investment banking and the personalization of client communication. The Personal Financial Planning program at Texas Tech came across as a perfect fit.

Prior Degrees: BSBA (Finance) University of Nebraska Lincoln

Research Interest: Financial Risk Tolerance, Behavioral Finance

Vita

Taft Dorman, AFC

Ph.D. Student | Email: taft.dorman@ttu.edu

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? Summer 2016

Why did you choose Texas Tech? Coming from the Investment Management industry, and having researched various graduate programs, I found Texas Tech to be the most welcoming and highly reputable. Their PFP program demonstrates high expectations and is recommended by various financial planning professionals across the country.

Prior Degrees: B.S. in Business with Investments concentration from Brigham Young University - Idaho

Research Interest: Research Interest: Retirement Planning (distribution specialization), Behavioral Finance, Estate/Charitable Planning for the Disabled

Teaching Interests: Retirement Planning, Financial Goals Planning, Behavioral Finance, Investments, Estate/Charitable Planning, Introduction to Financial Planning, Personal and Family Finance, Asset Management.

In addition to my teaching interests, I plan on specializing in online program development in PFP.

Vita

Henry Duru

Ph.D. Student | Email: henry.duru@ttu.edu

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? Summer 2016

Why did you choose Texas Tech? Texas Tech has a reputable program in Personal financial planning with highly distinguished and outstanding professors; hence, it is an excellent place for me to acquire best knowledge in the field of financial planning.

Prior Degrees: MA, Economics from Texas Tech University,
B.S.Ed. Economics from Obafemi Awolowo University Ile-Ife, Nigeria.

Research Interest: Retirement income Planning, Asset Management, Assessing best Asset location strategy and Behavioral Finance

Teaching Interests: Retirement Planning, Risk and Asset management.

Vita

Cathy Figert

Ph.D. Student | Email:

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position?

If you are not on the job market, when do you expect to graduate?

Why did you choose Texas Tech?

Research Papers:

Research Presentations:

Prior Degrees:

Research Interest:

Teaching Interests:

Vita

Tao Guo

Ph.D. Student | Email: tao.guo@ttu.edu

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? Summer 2015

Why did you choose Texas Tech? I believe the PFP program here can help me to be a successful educator and researcher in the field of personal financial planning.

Research Papers:

Prior Degrees: MBA, Michigan Technological University
BA in English and Minor in Finance, Northeastern University, CHINA

Research Interest: Investor Behavior, Mutual Fund, Asset Allocation

Teaching Interests: Asset Management, Personal Finance, Risk Management

Vita

Hoang-Nhat Ho

Ph.D. Student | Email: hoang-nhat.ho@ttu.edu

Phone: 806.742.5050 | Office:

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? 2015

Why did you choose Texas Tech? The Personal Financial Planning program at Texas Tech provide me the best opportunity to become a successful researcher in field of financial planning.

Research Presentations:

Prior Degrees: B.S. in Finance from California State University, Northridge

Research Interest: Asset Allocation, Risk Tolerance, Investor Behavior

Teaching Interests: Fundamental of Personal Finance, Asset Management, Retirement Planning, Risk Management.

Vita

William Hocutt

Ph.D. Student | Email: william.l.hocutt@ttu.edu

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? I will finish course work Summer of 2012 with anticipated graduation of 2013

Why did you choose Texas Tech? I chose TTU due to their reputation and overall dedication to the financial planning industry.

Research Papers: Currently working on research paper with a focus on financial planning for disasters.

Prior Degrees: B.S. in Financial Planning from The University of Alabama
Chartered Retirement Plan Consultant.

Research Interest: Interest in financial planning for disasters and liquidity within mutual funds.

Teaching Interests: I have interest in teaching student athletes.

Vita

Szu-Hua (Andy) Huang

Ph.D. Student | Email: szu-hua.huang@ttu.edu

Phone: 806.834.2248 | Office: Administration Building, 2nd Floor, Room #224

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? 2016

Why did you choose Texas Tech? The reason is that it's best personal financial planning program in the world.

Prior Degrees: MBA Texas Tech University, M.S. in Management Information System in Business Intelligence Texas Tech University, B.A. in Risk Management and Insurance Tamkang University Taiwan

Research Interest: Data mining in risk evaluation, predictive model of financial behavior

Teaching Interests: Predictive model

Vita

Beverly Johnson

Ph.D. Student | Email: beverly.d.johnson@ttu.edu

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? 2014

Why did you choose Texas Tech? It is the best educational institution for Personal Financial Planning.

Research Papers: Poster Presentation: Aragon, S. J., Johnson, B., Joseph, S., Tobias, K., & McGuinn, L. (February 2011). The influence of nursing patient-centered behaviors on African American and Black female Medicare patient satisfaction. Poster presentation at The Health Disparities/Health Equity Research Summit, The WSSU Center of Excellence for the Elimination of Health Disparities and the WFUBMC Maya Angelou Center for Health Equity, Winston-Salem, NC.
Oral Presentation: Aragon, S. J., &: Johnson, B. D. (November 2009). The influence of nursing patient-centeredness on African American and Black female Medicare patients' satisfaction. Oral presentation at the Faces of a Healthy Future, National Conference to End Health Disparities II, Winston-Salem, NC.

Prior Degrees: B.S. Mechanical Engineering, U.S. Military Academy; M.S. Engineering Management, Missouri University of Science and Technology; MBA, Kellogg Graduate School, Northwestern University

Research Interest: Retirement Planning, Military Service

Teaching Interests: Introduction to Personal Finance, Introduction to Corporate Finance, Marketing, Leadership

Vita

Megan Lam

Ph.D. Student | Email: megan.lam@ttu.edu

Phone: 806.742.5050 x 222 | Office: HS 272

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? 2015

Why did you choose Texas Tech? Texas Tech has the best Ph.D. Personal Financial Planning Program in US

Prior Degrees: MS in MIS

Research Interest: Income Tax Planning

Teaching Interests: Income Tax Planning, Asset Management

Vita

Areerat (Poy) Lertchaipitak

Ph.D. Student | Email: a.lertchaipitak@ttu.edu

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? 2013

Why did you choose Texas Tech? The personal financial planning program at Texas Tech University provides both high standard academic and professional knowledge. I would like to advance my future career in this profession and disseminate personal financial planning education in Thailand.

Research Papers: Reasons why U.S. Households Underuse Comprehensive Financial Planners.
Investor Sentiment and Asset Allocation.

Prior Degrees: MS in Finance and Economics, West Texas A&M University
BS in Finance , Kasetsart University (Thailand)

Research Interest: Behavioral finance, retirement planning, financial counseling

Teaching Interests: Introduction to personal finance, financial counseling, behavioral finance

Vita

Jacob Lumby

Ph.D. Student | Email: jacob.lumby@ttu.edu

Phone: 806.742.5050 | Office: HS 274

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? December, 2016

Why did you choose Texas Tech? After flying down to meet the PFP faculty and better understand the Ph.D program, I was hooked. The quality of this program cannot be overstated. If you are considering joining this program, and you’re interested in studying under world class professors who genuinely care about each individual student, look no further.

Prior Degrees: B.Sc. Biology, Chemistry (summa cum laude)

Research Interest: The role of technology in financial planning; Investment decision making and risk tolerance levels; Behavioral issues in personal finance

Teaching Interests: Technology in PFP, Asset Management, Behavioral Finance, Topics in Personal Finance

Vita

Laura Mattia

Ph.D. Student | Email: laura.mattia@ttu.edu

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? I will finish course work fall of 2013 with an anticipated graduation date of 2014.

Why did you choose Texas Tech? As the nationally recognized leader of the Personal Financial Planning profession, I selected Texas Tech University because the program perfectly aligns with my personal goals, to promote scientifically based best practices, acquired through a college program which is registered to teach personal financial planning with the CFP board as the standard for the profession.

Research Papers: Currently working on determinants for risky investing and customer satisfaction and loyalty among women.

Prior Degrees: Certification in Financial Planning, Madison, NJ, Fairleigh Dickenson University, 2002
Master of Business Administration, Accounting Concentration, Montclair, NJ, Montclair State University, 1990
Bachelor of Science in Psychology, Montclair, NJ, Montclair State University, 1982

Research Interest: Current research interests focus on gender specific acceptance of financial advice, financial responsibility and investments; and the inability of the industry to meet the needs of women investors.

Teaching Interests: I currently teach future CFP designates; Estate Planning, Investments, Risk Management and (Developing a Personal Financial Plan (the Capstone class).
I have taught in the past; Introduction to Corporate Finance and Managerial Accounting.

Vita

Whitney Neal

Ph.D. Student | Email: whitney.neal@ttu.edu

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? May of 2016

Why did you choose Texas Tech? We have a strong Finanical Planning Program, and I have the ability to utilize faculty and staff in my development as a financial planner and researcher.

Prior Degrees: B.S. Architecture, Texas Tech University, December 2010

Research Interest: Real Estate as it relates to Personal Finance Strategies, Retirement, and Estate Planning

Teaching Interests: Housing, Real Estate Trends, Retirement Planning, Estate Planning, Intro. to Personal Financial Planning

Vita

Eakamon (Andy) Oumtrakool

Ph.D. Student | Email: eakamon.oumtrakool@ttu.edu

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? 2014

Why did you choose Texas Tech? Texas Tech is well known in both academic and athletic achievements, and Texas Tech is a center of knowledgeable and experienced professors, especially a personal financial planning program.

Prior Degrees: Master of Science in Finance and Economics (MSFE), West Texas A&M University
Bachelor of Business Administration (B.B.A.) in Finance, Kasetsart University, Thailand

Research Interest: Behavioral finance, Risk tolerance, and Retirement planning

Teaching Interests: Asset Management, Business Finance, and Personal Financial Planning.

Vita

Patrick Mark Payne

Ph.D. Student | Email: patrick.payne@ttu.edu

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? Spring 2015

Why did you choose Texas Tech? I have long had a passion for financial planning, and when I discovered that Texas Tech had the best PhD program in Personal Financial Planning, I knew it was the place for me. The faculty are incredible, not only in terms of instruction and research, but also in quality of character. Every alumni I spoke to about this program absolutely adored the program and the faculty. I did not find that type of loyalty from any other graduates of any other PhD program that I spoke to. This is truly a remarkable place to get an education!

Prior Degrees: B.S Finance, Utah State University
B.S. Economics, Utah State University
MBA Management, Utah Valley University

Research Papers: Payne, P., & Huffman, T. (2012). Minimizing predatory lending: Designing a long-term compensation structure to minimize the actions of opportunistic mortgage brokers. The International Journal of Business and Social Research, 2(5).
See more on my LinkedIn Page: www.linkedin.com/in/patrickmarkpayne/

Research Interest: Behavioral Finance, NeuroFinance, Compensation, Financial Planning Business Models

Teaching Interests: Financial Counseling, Behavioral Finance, Household Economics, Cashflow Management.

Vita

Laura Ricaldi

Ph.D. Student | Email: laura.ricaldi@ttu.edu

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position? Yes

Why did you choose Texas Tech? The Personal Financial Planning program at Texas Tech is known for its great reputation. The program offers students an excellent research education and a variety of teaching experiences. Ultimately, the program provides the best education for a financial planning professor in the country.

Research Papers: Financial Literacy and Shrouded Credit Card Rewards, Financial Sophistication and its Impact on the Credit Card Debt Puzzle

Prior Degrees: MBA in General Business (2008); BBA in Accounting (2004)

Research Interest: Credit card use, financial literacy, gender issues, and generational cohorts

Teaching Interests: Fundamentals of Financial Planning (undergraduate and graduate), Personal Finance: Advanced Topics and Case Studies (Capstone for non-majors), Financial Counseling and Communication

Websiite: http://myweb.ttu.edu/lsoto/

Vita

Janine Scott

Ph.D. Student | Email: janine.scott@ttu.edu

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position? Yes

Why did you choose Texas Tech? I chose to attend Texas Tech because I knew that I would gain the necessary tools and skills to make an impact in the financial planning field and in the classroom.

Research Papers: Progressing Towards Empowering Caregivers with Special Needs Planning Resources; The Impact of Financial Sophistication on Disability Insurance Ownership

Prior Degrees: BBA in Finance, University of Texas at Austin

Research Interest: Special needs planning, charitable giving/philanthropy among women, and insurance purchase behaviour.

Teaching Interests: Financial Counseling, Behavioral Finance, and Introduction to Financial Planning

Vita

Kasey S. Tarantino

Ph.D. Student | Email: Kasey.Tarantino@ttu.edu

Phone: 806.543.7318 | Office: HS

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? 2017

Why did you choose Texas Tech? I wanted to be able to learn from some of the best educators in the Personal Financial Planning Field. I also wanted to have access to resources and faculty that would support my research interests.

Research Papers: Progressing Towards Empowering Caregivers with Special Needs Planning Resources; The Impact of Financial Sophistication on Disability Insurance Ownership

Prior Degrees: Bachelor’s of Science in Hotel Administration from Cornell University

Research Interest: Financial Implications of Behavioral Health Diagnosis; How to Financially Recover from Addiction; Financial Consequences Before, During, and After Behavioral Health Treatment

Teaching Interests: Introduction to Financial Planning; Fundamentals of Financial Planning

Vita

Lawrence Verzani

Ph.D. Student | Email: lawrence.verzani@ttu.edu

Phone: 806.742.5050 | Office: HS

Are you currently on the job market for a full-time position? Yes

Why did you choose Texas Tech? I was interested in Texas Tech because at the time I was looking into graduate programs it was the only PhD program registered with the CFP Board. The personal financial planning program they offered fit well with my research interests and work experience.

Prior Degrees: BS Business Administration with Option in Finance, California State University Los Angeles

Research Interest: Financial Advice, Retirement Planning, Consumer Demand and Behavior in the Market for Financial Services

Teaching Interests: Insurance and Risk Management, Technology in Personal Financial Planning, Introduction to Personal Financial Planning, Capstone in Personal Financial Planning, Investments

Vita

Duncan Williams, CFP®

Ph.D. Student | Email: duncan.williams@ttu.edu

Phone: 806.742.5050 | Office:

Are you currently on the job market for a full-time position? No

Why did you choose Texas Tech? I spend nearly ten years as a financial planning practitioner, and Texas Tech always had the best reputation among academic programs in the field.

Research Papers: Williams, Duncan and Michael Finke, 2011, “Determining Optimal Withdrawal Rates: An Economic Approach”.  The Retirement Management Journal, 1 (2), 35-47.

Williams, Duncan, Michael Finke and Wade Pfau, 2011, “Spending Flexibility and Safe Withdrawal Rates”.  Submitted to The Journal of Financial Planning.

Prior Degrees: B.A. in Economics, University of Georgia

Research Interest: Distribution Planning, Pre-retirement Planning, Portfolio Optimization

Teaching Interests: Capstone in Financial Planning, Investments, Risk Management, Estate Planning, Introductory Personal Finance Courses, Financial Planning Theory

Vita

Jacob A. Williams

Ph.D. Student | Email: jacob.a.williams@ttu.edu

Phone: 806.742.5050 | Office:

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? Summer 2017

Why did you choose Texas Tech? It has a great reputation in the Financial Planning Industry. Also, the faculty research aligns more closely with my interests than other PhD programs that focus on Financial Planning. The program alumni from Texas Tech University are in good career positions in great locations.

Prior Degrees: MBA, Texas Tech University
BS Business Finance, Brigham Young University-Idaho

Research Interest: Business Models in Financial Planning, Leaderships in Financial Planning

Teaching Interests: Wealth Management, Retirement Planning, Financial Planning, Capstone in Financial Planning

Vita

Cagla (Chala) Yildirim

Ph.D. Student | Email: Cagla.yildirim@ttu.edu

Phone: 806.742.5050 x222 | Office: 272

Are you currently on the job market for a full-time position? No

If you are not on the job market, when do you expect to graduate? May 2016

Why did you choose Texas Tech? Back at William Paterson University I heard so many great things about TTU. And also, the Personal Financial Planning Program at TTU is the number one in the country.

Prior Degrees: B.S. in Personal Financial Planning and minor in Economics, William Paterson University of New Jersey (Cum laude) 2011

Research Interest: Behavioral Finance, Spending Habits of Immigrants, Ethics in Financial Planning

Teaching Interests: Asset Management, Introduction to Personal Finance, Income Tax Planning

Vita