Texas Tech University

Personal Financial Planning

Doctor of Philosophy (Ph.D.) Degree in Personal Financial Planning

Texas Tech's Ph.D. program - the first Ph.D. in Personal Financial Planning

Students majoring in Personal Financial Planning receive comprehensive face-to-face instruction in the theoretical foundations of financial planning, including investments, retirement planning, financial counseling practices, risk management, and tax planning. The doctoral program at Texas Tech provides a rigorous foundation in theory and research methods in individual financial decision-making to prepare students to teach and conduct research in financial planning at an academic institution.  Students who complete the Ph.D. will be eligible to sit for the CFP® Certification Examination. 

A Ph.D. without a master's degree may be pursued if applicants meet specific criteria. Students who have master's degrees without a thesis will take additional classes on statistics and research methodology.

The doctoral degree requires a minimum of 60 semester hours of graduate work beyond the bachelor's degree, exclusive of credit for the dissertation. Up to 25 hours of leveling classes may be required for students who have not completed a CFP Board-Registered financial planning program. Students develop their courses of study in consultation with a graduate advisory committee. Following the completion of theory and research collateral coursework, a qualifying examination for admission to candidacy for the Ph.D. degree will be conducted in accordance with the requirements of the Graduate School. Classes are taught on the Texas Tech campus and are not offered in an online format.


Application Deadlines


Domestic applicants to apply at least three (3) months in advance of the semester to which they want to apply.


Fall: January 15

Spring: June 15

Summer I and II: January 15

How to Apply

The Graduate School online application system is designed to help you easily navigate through the application process and ensure you complete your application in a timely manner.

ALL documents must be submitted through the online portal.


Test Scores

  • The GRE and GMAT are not required.
  • International Students
    • These are the minimal English language proficiency scores. For a list of English proficiency exempt countries, please visit English Proficiency Exempt Countries.
    • TOEFL Internet: 79
    • TOEFL Paper-Based: 550
    • IELTS: 6.5
    • ELS: 112
    • CAE: B
    • CPE: C

For further information concerning program overview, requirements, career options, and/or procedures, contact:

Dr. Sarah Asebedo
School of Financial Planning
Box 41210
College of Human Sciences
Texas Tech University
Lubbock, TX 79409-1210
Phone: (806) 834-5217
Fax: (806) 742-5033