Miranda Reiter, Ph.D., CFP®

About

Bio

Dr. Miranda Reiter, CFP® began her career in the financial services industry in 2003 and has worked as a financial planner and banker at several Fortune 500 firms before her academic career. She created a financial planning firm in 2013, She & Money Financial Planning. Her financial advice has been quoted in popular media outlets such as the BBC, US News, USA Today, and Forbes. In addition to her career in financial services, Dr. Reiter has taught at several educational institutions in the U.S., France, and the Ivory Coast. 

In 2023, Dr. Reiter published a personal finance audiobook, Six Steps to Manage Your Money, published by Audible/Great Courses. She is also the author of academic articles published in journals such as the Journal of Consumer Affairs, Family and Consumer Sciences Research Journal, Journal of Financial Planning, Journal of Financial Therapy, Financial Planning Review, Journal of Financial Counseling and Planning, and Journal of Family and Economic Issues. 

Dr. Reiter has received recognition for her work in financial planning including: 2024 Montgomery-Warschauer Award (FPA/JFP), Morningstar Best Research Paper Award (Academy of Financial Services), 2023 See It, Be It Role Model Award (InvestmentNews), 2022 Robert O. Herrmann Outstanding Dissertation Award (ACCI), 2020 Omicron Nu Research Fellowship (Kappa Omicron Nu), 2020 Center for Financial Security Junior Scholar (University of Wisconsin-Madison), 2019 Financial Planning Association Best Research Award, 2019 40 Under 40 Award (InvestmentNews), and the 2018 Financial Planning Association Diversity & Inclusion Scholarship.  

She is a member of the Financial Planning Association (FPA), the Association of Financial Counseling and Planning Education (AFCPE), and the American Council of Consumer Interests (ACCI). Dr. Reiter earned her Ph.D. in Personal Financial Planning from Kansas State University. 

 

Research Interests

Research Focus: Race, gender, and diversity in financial planning; consumer financial behavior

Selected Publications

Chimbane, T., Browning, C., & Reiter, M. (In press). Exploring retirement disparities and the mitigating factors. Journal of Financial Counseling and Planning.

Warmath, D., Borowiec*, K., LeBaron-Black, A., Mottola, G., Reiter, M., Schindler, K., & Caraballo, J., (In press). Improving measurement in the study of consumer finance: Consensus from the NEFE Scale Validation Project. Journal of Family and Economic Issues.

Borowiec*, K., Reiter, M., LeBaron-Black, A., & Schindler, K. (In press). An overlooked population: Why linguistic background matters in personal finance survey design. Journal of Family and Economic Issues.

Qing, D., & Reiter, M. (2024). Racial/ethnic disparities in financial advice seeking: A decomposition analysis. Financial Services Review, 32(4), 27-50. https://doi.org/10.61190/fsr.v32i4

Watkins, K., Choi, S., Reiter, M., McCoy, M., White, K., Muruthi, B., Smodic, S*., & Thompson, C*. (2024). The moderating role of life insurance and financial planner use for valid wills and trust creation for African Americans. Financial Planning Review, 7(2), 1-16. https://doi.org/10.1002/cfp2.1181

White, K., Olajide, O., Watkins, K., Reiter, M., Johnson, P., & McCoy, M. (2024). Financial education and financial anxiety: Do quality and quantity differ? Journal of Financial Counseling and Planning, 35(2), 276–291. https://doi.org/10.1891/JFCP-2023-0022

Reiter, M., & Qing, D. (2023). Racial and gender differences in financial advice seeking: Evidence from the National Financial Capability Study. Financial Planning Review, 7(1),1-18.https://doi.org/10.1002/cfp2.1169

Reiter, M., Qing, D., & Nations, M*. (2023). Who uses social media for investment advice? Journal of Financial Planning, 36(9), 78-99. https://www.financialplanningassociation.org/learning/publications/journal/SEP23-who-uses-social-media-investment-advice-OPEN

Reiter, M., Qing, D., Watkins, K., & White, K. (2023).Race/ethnicity and financial advice seeking: An examination of three datasets. Journal of Personal Finance, 22(2), 65-83.

McCoy, M., Watkins, K., White, K., Kahler, R., & Reiter, M. (2023). The importance of being a “client” for financial planning students: A thematic analysis of financial planning students’ experiences meeting with a planner. Journal of Financial Counseling and Planning.https://doi.org/10.1891/JFCP-2022-0077

Watkins, K., McCoy, M., White, K., Reiter, M., & Liu, Y*. (2023). Exploring the role of financial socialization on financial planning students’ financial and career confidence: A thematic analysis. Journal of Family and Economic Issues.https://doi.org/10.1007/s10834-023-09892-1

Reiter, M, & Seay, M. (2023).Investment advisor use and stock market return expectations. Journal of Personal Finance, 22(1), 37-50.

Reiter, M., Seay, M., MacDonald, M., Lutter, S., & Loving, A. (2022). Are there racial and gender preferences when hiring a financial planner? An experimental design on diversity in financial planning. Journal of Financial Counseling and Planning, 33(3), 344-357. https://doi.org/10.1891/JFCP-2021-0027

Reiter, M., Qing, D., Anderson, N., & Watkins, K. (2022). The intersectionality of race and gender in financial planner use. Journal of Financial Therapy, 13(2), 14-33. https://doi.org/10.4148/1944-9771.1315

White, K., Love, K., McCoy, M., Reiter, M., Seponski, D., Koposko, J., & Regan, E. (2022). Factors associated with the financial strain of transgender and gender diverse college students. Journal of Consumer Affairs, 56(4), 1617-1637. https://doi.org/10.1111/joca.12483

Reiter, M. & Heckman, S. (2022). Racial/ethnic differences in life insurance ownership & life insurance adequacy. Journal of Personal Finance, 21(2), 57-76

Reiter, M., Seay, M., & Loving, A. (2022). Diversity in financial planning: Race, gender, and the likelihood to trust a financial planner. Financial Planning Review, 5(1), 1-13. https://doi.org/10.1002/cfp2.1134

Sholin*, T., Lim, H., Reiter, M., Antonoudi*, E., & Lurtz, M. (2021). Money scripts related to the use and trust of investment advice. Journal of Financial Therapy, 12(2), 47-71. https://doi.org/10.4148/1944-9771.1272

Reiter, M. & Kiss, D. E. (2021). Efforts in diversity and recruiting in financial planning undergraduate programs. Family and Consumer Sciences Research Journal,49(3), 238-253. https://doi.org/10.1111/fcsr.12389

Enete, S., Reiter, M., Usrey, W., Scott, A., & Seay, M. (2019). Who is investing in ETFs? Exploring the role of investor knowledge. Journal of Financial Planning,32(7), 44–53.