About the Authors [Volume 11 (1)], Financial Counseling and Planning



About
the Authors
[Volume 11 (1)]



Patricia Brennan,
Successful
Financial Goal Attainment: Perceived Resources and Obstacles
,
a Certified Financial Planner (CFP), has been a Family and Consumer Sciences
Educator with Rutgers Cooperative Extension of Morris County since 1981.
She holds the tenured faculty rank of Associate Professor at Cook College,
Rutgers University. Brennan also is an Accredited Financial Counselor (AFC),
a Certified Housing Counselor (CHC), and certified in family and consumer
sciences (CFCS). Brennan teaches over 80 personal finance and housing classes
annually. Her areas of expertise include investing, asset allocation, life
cycle financial planning, and selecting mutual funds. She appears regularly
on the Cablevision TV show, Money Counts, and has made guest appearances
on CNBC’s The Money Club and News 12 New Jersey. She earned a B.S.
degree in Home Economics from Immaculata College and her M.A. in Teaching
from Montclair State University.

Barbara Bristow, Successful
Financial Goal Attainment: Perceived Resources and Obstacles
,
is an Extension Associate in the Department of Policy Analysis and Management
in the College of Human Ecology at Cornell University. Her publications
How
To Run A Successful
MONEY 2000 Campaign,
A Financial Fitness
Workbook
, and the MONEY 2000
Ô
Web site have contributed to the MONEY 2000
Ô
national outreach effort. She received both her B.S. in Home Economics
and her M.S. in Education from State University College at Buffalo. 

James
M. Carson
A
Financial Decision Framework for Life Insurance Policy Replacement
,
is Interim Director and Katie Research Professor, Katie Insurance School,
Illinois State University. Professor Carson has been named Editor (2001)
of the Journal of Insurance Issues and Director of the Institute
for Insurance Ethics. He is a member of the Editorial Review Board for
the Journal of Insurance Regulation, an Assistant Editor for the
Journal
of Financial Service Professionals
, President of the Western Risk and
Insurance Association, and serves on the Board of Directors for the American
Risk and Insurance Association. Professor Carson’s research focuses on
mortality-contingent product and cost issues, empirical analysis of insurer
solvency, and insurance applications of agency theory.

William B. Joyce,
Consistent
Treatment of Inflation for Retirement Planning
, is an Assistant Professor
of Business at Eastern Illinois University. He received his Ph.D. in Finance
and Accounting from the University of Nebraska, Lincoln in 1997. He received
his MBA in Finance and Management from Minnesota State-Mankato and his
BS in Accounting and Economics from the University of Minnesota. He is
a Certified Public Accountant, Certified Management Accountant, and Certified
Cash Manager. He has published in Journal of Accounting and Finance
Research
, Oil, Gas, & Energy Quarterly, Office Pro,
Business
Education Forum
, Accounting Instructors’ Report,
Risk Management,
Journal
of Education for Business
, Journal of Accounting, Ethics & Public,
Journal of Compensation and Benefits
, and Journal of Bank Cost and
Management Accounting
. He has presented papers at American Accounting
Association Midwest Regional Meeting, American Academy of Accounting and
Finance, Midwest Finance Association, Business and Economics Teaching Conference,
and Nebraska Faculty College. His professional work experience at IDS/American
Express includes financial analysis manager; treasury analyst; supervisor
payroll and benefits accounting; supervisor senior securities; senior accountant;
and accounting training program. He is a member of Academic Mentor Program,
Institute of Management Accountants, American Accounting Association, and
Institute of Management Accountants. He has been awarded the Instructional
Award in Innovative Teaching, Eastern Illinois University School of Business;
Research Award, Eastern Illinois University School of Business, Innovative
Teaching Award, Michigan Technological University School of Business and
Economics, and Recognition Award for Contributions to Students, University
of Nebraska Teaching Council and Parents’ Association. He has served as
a reviewer for the Midwest American Accounting Association Annual Meeting,
American Academy of Accounting and Finance Annual Meeting, and Western
Decision Sciences Institute. His current research interests include financial
reporting, income management and compensation and cooperative learning.

Mark D. ForsterA
Financial Decision Framework for Life Insurance Policy Replacement
,
is President of MDF Insurance Services, Omaha, NE. He is an active member
of the American Risk and Insurance Association and the Western Risk and
Insurance Association. He has published in the Journal of Insurance
Issues
, Journal of Insurance Regulation, Journal of Financial
Service Professionals
, and
Best’s Review. He provides consulting
services to business and individuals relating to life insurance and product
performance. 

Claudia M. Kerbel,
Successful
Financial Goal Attainment: Perceived Resources and Obstacles
,
serves as Program Development Coordinator at the Center for Personal Financial
Education, a joint venture of the University of Rhode Island Cooperative
Extension and the non-profit Consumer Credit Counseling Service of Southern
New England. She is also an Adjunct Professor in the Consumer Affairs Program
at the University of Rhode Island. Her background includes ten of years
of university teaching and administration experience, and five years of
Extension work in Texas. She received a Master of Science degree from Cornell
University in 1974.

Eun-Ju Lee, Haven’t
Adopted Electronic Financial Services Yet? The Acceptance and Diffusion
of Electronic Banking Technologies
, obtained her Ph.D. in Retailing
and Consumer Sciences at the University of Tennessee in 2000. She is currently
a doctoral candidate in the Department of Marketing, Logistics, and Transportation
at the University of Tennessee. Her areas of research include consumer
adoption of technological innovations, such as electronic banking technologies
and Internet shopping, and consumer information search for health care
services. She received both B.S. and M.S. degrees at Seoul National University,
Korea.

Jinkook
Lee
, Haven’t Adopted Electronic Financial Services Yet? The
Acceptance and Diffusion of Electronic Banking Technologies
, is an
associate professor at the University of Georgia. Her specific research
expertise lies on consumer issues in financial market. Her current research
interests include consumer decision_making process in selecting a financial
institution, information search and use of financial advice, adoption of
electronic banking technology, and consumer dissatisfaction and complaint
behavior in financial market. Her current and previous consulting experience
includes Federal Reserve Board, Filene Research Institute, Center for Credit
Union Research, American Association of Retired Persons, and the State
of Florida and Vermont. She has received a number of honors and awards,
including: Applied Consumer Economics Award by American Council on Consumer
Interests; Certified Financial Planning Board’s Article Award, The Jefferson
Prize, Chancellor’s Research Award, Faculty Development Awards, Belk Faculty
Enrichment Award, Irma Giffles Faculty Enrichment Award, by the University
of Tennessee; Lois Dickey Research Award by The Ohio State University,
and Phi Upsilon Omicron. Her undergraduate studies were completed at Seoul
National University, Korea. She received M.S. and Ph.D. degrees from the
Ohio State University.

Barbara
O’Neill
, Successful Financial Goal Attainment: Perceived Resources
and Obstacles
,
holds the rank of full professor at Cook College, Rutgers University. She
is a Family and Consumer Sciences Educator in Sussex County, New Jersey
and is also Rutgers Cooperative Extension’s Interim Extension Specialist
in Financial Resource Management. O’Neill has written over 1,500 consumer
newspaper articles and over 100 articles for professional publications.
She is a certified financial planner (CFP), accredited financial counselor
(AFC), certified housing counselor (CHC), and certified in family and consumer
sciences (CFCS). O’Neill is currently serving as Secretary (2000-2002)
of the Association For Financial Counseling and Planning Education (AFCPE).
She is the author of two trade books,
Saving On A Shoestring
and Investing On A Shoestring, published by Dearborn Financial Publishing,
and two financial case study textbooks. 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.

Marlene
S. Stum
, Later Life Financial Security: Examining The Meaning
Attributed to Goals when Coping with Long Term Care
, is an Associate
Professor and State Extension Faculty in Family Economics and Gerontology,
Family Social Science Department, University of Minnesota. She received
her Ph.D. from the University of Wisconsin-Madison and M.S. and B.S. degrees
from Kansas State University. Her work focuses on later life transitions
affecting family economic well-being and decision-making processes and
outcomes. Her current research and teaching addresses financing long term
care, intergenerational resource transfers, and life and death health care
decisions.

Jing J. Xiao,
Successful
Financial Goal Attainment: Perceived Resources and Obstacles
, is an
Associate Professor of Family Finance at University of Rhode Island. He
received a Ph.D. in consumer economics at Oregon State University and M.
S. and B. S. degrees in economics at Zhongnan University of Finance and
Economics. He is the co-editor of the book, The Mathematics of Personal
Financial Planning
. He serves on the editorial board of Financial
Counseling and Planning
and is an associate editor of
Journal of
Consumer Affairs
. He will become the Editor of Journal of Family
and Economic Issues
in January 2001. His research on family financial
planning, impact of e-commerce on family life, and family businesses has
been supported by the U.S. Department of Labor, U.S. Department of Agriculture,
U.S. Department of Transportation, Certified Financial Planners Standard
Board, and the University of Rhode Island. He was an author of a paper
that won the CFP Board of Standards Outstanding Research Award at
the 2000 meeting of the American Council on Consumer Interests.

Jay
Zagorsky
, Do Individuals Know How Much They Are Worth? is a
research scientist at the Ohio State University’s Center For Human Resource
Research where he works on the National Longitudinal Surveys. Dr. Zagorsky
is also an adjunct Assistant Professor in the Boston University’s School
of Management where he teaches Managerial Economics and Quantitative Methods.
Dr. Zagorsky recently finished writing his first book, entitled Business
Information: Finding and Using Data in the Digital Age
. Dr. Zagorsky
received his Economics Ph.D. in 1992 from Boston University.