Texas Tech University

Miranda Reiter, Ph.D., CFP®

Assistant Professor
Personal Financial Planning

Email: mreiter@ttu.edu

Phone: (806) 834-6458

Office: HS 242
Office Hours: By appointment only.


Miranda Reiter, Ph.D., CFP®



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: 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, the Association of Financial Counseling and Planning Education, and the American Council of Consumer Interests. Dr. Reiter earned her Ph.D. in Personal Financial Planning from Kansas State University. 

Research Interests

Research Focus: Race, gender, and diversity, equity, and inclusion (DEI) in financial planning; consumer financial behavior

Selected Publications

McCoy, M., Watkins, K., White, K., Kahler, R., & Reiter, M. (In press). 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. 

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 [Journal Impact Factor: 2.163; 2021 Rank by Journal Citation Indicator: 182/572 Economics; 27/67 Family Studies] 

Reiter, M, & Seay, M. (2023).Investment advisor use and stock market return expectations. Journal of Personal Finance, 22(1), 37-50.[No impact factor or ranking within discipline] 

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 [2021 Rank by Journal Citation Indicator: 219/572 Economics; 132/296 Business] 

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. [No impact factor or ranking within discipline] 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 [Journal Impact Factor: 2.603; 2021 Rank by Journal Citation Indicator: 251/572 Economics; 149/296 Business] 

Reiter, M. & Heckman, S. (2022). Racial/ethnic differences in life insurance ownership & life insurance adequacy. Journal of Personal Finance, 21(2), 57-76.[No impact factor or ranking within discipline] 

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 [No impact factor or ranking within discipline] 

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[No impact factor or ranking within discipline] 

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 [No impact factor; 2021 Rank by Journal Citation Indicator: 51/67 Family Studies] 

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. [No impact factor or ranking within discipline]