Lance Palmer, Ph.D., CFP

College of Family and Consumer Sciences

Financial Planning, Housing and Consumer Economics


205 Housing and Consumer Research Center (House C)
415 Sanford Dr.
Athens, GA 30602


workOffice Phone: 706-542-4916

Fax: 706-542-4397


Degree Field of Study Institution Graduation
Ph.D. Family, Consumer, and Human Development/Consumer Sciences Utah State University 2004
M.B.A. Business Administration University of Utah 2000
B.S. Accounting University of Utah 1999


Dr. Palmer's research seeks to identify effective ways of motivating financial behavior change through brief intervention strategies. He is currently focused on developing brief interventions that are informative, scalable, and can easily be integrated into the income tax preparation process. The design and format of the brief interventions are informed by research findings from behavioral economics and behavior change theory, as well as evidenced-based counseling practices such as Solutions-Focused Brief Coaching.


Family Retirement Planning & Employee Benefits; Family Income Tax Planning; applied Family Financial Planning in the Community (Service-Learning class)


Palmer, L., Goetz, J., & Chatterjee, S. Expanding financial education and planning opportunities through service-learning. Financial Services Review, forthcoming.
Schuchardt, J., S. D. Hanna, T. K. Hira, A. C. Lyons, L. Palmer, J. J. Xiao. Financial literacy and education research priorities. Financial Counseling and Planning, forthcoming.
Palmer, L., Goetz, J. W., & Moorman, D. C. (2008). Development of a multi-item spending behavior assessment: An application of the Transtheoretical Model of change. Journal of Consumer Education, 25, 17 – 32.
Lyons, A. C., Jayaratne, K.S.U., & Palmer, L. (2008). Financial Education and Program Evaluation for Extension Professionals: From Research to Practical Application. Journal of the National Extension Association Family & Consumer Sciences, 3, 29 – 35.
Jayaratne, K.S.U., Lyons, A. C. & Palmer, L. (2007). A User-Friendly Evaluation Resource Kit for Extension Agents Delivering Financial Education Programs. Journal of Extension, 46(1).
Palmer, L., Bhargava, V., & Hong, G. S. (2006). Will adoption and life events among older adults. Financial Services Review, 15(4), 281 – 295.
 Lyons, A. C., Palmer, L., Jayaratne, K.S.U., & Scherpf, E. (2006). Are we making the grade? A national overview of financial education and program evaluation. Journal of Consumer Affairs, 40(2), 208 – 235.
Palmer, L. & Lown, J. M. (2006). Mortgages and asset accumulation: A ten year comparison of homeowners. Journal of Personal Finance, 5(2), 32 – 54.
Johnson, L. N., Carswell, A. T., Palmer, L., Sweaney, A. L., Mullis, R. M., Leonas, K. K., Moss, J. K., & Mauldin, T. (2005). An intervention model to alleviate family poverty. Journal of Family and Consumer Sciences, 97(4), 73 – 76.
Lown, J. M. & Palmer, L. (2005). Long term care insurance purchase: An alternative approach. Financial Counseling and Planning, 15(2), 1 – 11.
Hong, G.-S., Fan, J., Palmer, L., & Bhargava, V. (2005). Leisure travel expenditure patterns by family life cycle stages. Journal of Travel & Tourism Marketing, 18(2), 15 – 30.