John Grable

Financial Planning, Housing and Consumer Economics

Athletic Association Endowed Professor of Family and Consumer Sciences

Dr. John Grable is a Certified Financial Planner professional, researcher, and author.

123 Barrow Hall
115 DW Brooks Dr.
Athens, GA 30602

grable@uga.edu

http://fpplab.com

https://www.linkedin.com/in/j-e-grable-6857b3253/

Curriculum Vitae

Education

Degree	Field of Study	Institution	Graduation
Ph.D.	Resource Management/Personal Financial Planning	Virginia Tech	1997
MBA	Business Administration	Clarkson University	1988
B.S.	Economics/Business Administration	University of Nevada	1987

Research

My research interests include financial risk-tolerance assessment, behavioral financial planning, and financial decision making. My work tends to be applied and focused on helping consumers and financial service professionals navigate the increasingly complex financial marketplace. Working with colleagues in my Financial Planning Performance Lab, I am actively engaged in conducting evidence-based research.

Teaching

Foundations of Financial Planning; Capstone/Case Studies in Financial Planning; Research Methods

Prior Professional Positions

Organization	Title	Years of Service
Kansas State University	Professor	1999-2012
Texas Tech University	Assistant Professor	1997-1999

Awards

Award Name	Awarded By	Year Awarded
Outstanding Paper Award (with A. Rabbani)	Review of Behavioural Finance, Emerald Publications	2022
Best Applied Research Award (with S. Brayman, P. Griffin, & M. Finke).	Financial Planning Association Annual Conference	2016
Outstanding Conference Paper (with W. Heo and A. Rabbani).	Financial Therapy Association	2015
Outstanding Journal Paper (with J. Henegar, K. Archuleta, S. Britt, N. Anderson, & A. Dale).	Association for Financial Counseling and Planning Education Symposium	2014
Mid-Career Award	American Council on Consumer Interests	2011

Editorial Appointments

Position	Name of Journal	Year(s)
Editor	Financial Services Review	2023 - present
Co-Editor	Financial Planning Review	2017 - 2022
Economics & Investment Management Columnist	Journal of Financial Service Professionals	2013 - 2022
Co-Editor	Journal of Financial Therapy	2009 - 2012
Editor	Journal of Personal Finance	2011 - 2006

Outreach

Editor, Financial Services Review (2023 - present)

Co-editor, Financial Planning Review (2017 - 2022)

American Council on Consumer Interests (ACCI): Past Treasurer and President

Association for Financial Counseling and Planning Education (AFCPE): Certification Council, 2014 – 2016

Financial Therapy Association: Founding Board Member

Financial Planning Associaiton: Past Academic Editor (Journal of Financial Planning)

Certified Financial Planner Board of Standards, Inc.

Core Curriculum Standards Task Force, 2006.
Trends in Financial Planning Task Force, 2009.
Curriculum and Instruction Working Group, 2011
Council on Education, 2011 – 2014 (Chair, 2014)

Areas of Expertise

Financial Risk Tolerance Assessment

Behavioral Financial Planning

Evidence-Based Clinical Assessments

Financial Help-Seeking Behavior

Biographical Profile

Dr. John Grable, CFP® teaches and conducts research in the Certified Financial Planner Board of Standards Inc. undergraduate and graduate programs at the University of Georgia where he holds an Athletic Association Endowed Professorship. He was one of the founding members of the Financial Therapy Association. Prior to entering the academic profession, he worked as a pension/benefits administrator and later as a Registered Investment Adviser in an asset management firm. Dr. Grable has served the financial planning profession as the founding editor of the Journal of Personal Finance and co-founding editor of the Journal of Financial Therapy and Financial Planning Review. He currently serves as the editor of Financial Services Review. Dr. Grable is best known for his work in the areas of financial literacy and education, financial risk-tolerance assessment, behavioral financial planning, and evidence-based financial planning. He has been the recipient of numerous research and publication awards and grants and is active in promoting the link between research and financial planning practice where he has published over 150 refereed papers, co-authored several textbooks, co-authored a financial planning communication book, co-authored a financial counseling book, and co-edited a financial planning and counseling scales book. Since earning his doctorate, Dr. Grable has served on the Board of Directors of the International Association of Registered Financial Consultants (IARFC), as Treasurer and President for the American Council on Consumer Interests (ACCI), as Treasurer and board member for the Financial Therapy Association, and as an Academy of Financial Services board member. He has received numerous awards, including the prestigious Cato Award for Distinguished Journalism in the Field of Financial Services, the IARFC Founders Award, the Dawley-Scholer Award for Faculty Excellence in Student Development, and the ACCI Mid-Career Award.

Books

Byram, J. L., McCoy, M., Kruger, M., & Grable, J. E. (2023). Financial planning counseling skills. Erlanger, KY: ALM Global, LLC.

Grable, J. E., & Chatterjee, S. (eds.). (2022). De Gruyter handbook of personal finance. Berlin: De Gruyter.

Grable, J., & Palmer, L. (2019). Introduction to personal finance: Beginning your financial journey. Hobboken, NJ: Wiley.

Grable, J. E., Sages, R., & Kruger, M. (2019). The case approach to financial planning. Cincinnati, OH: National Underwriter.

Grable, J. E., Kruger, M., & Ford. M. (2019). The fundementals of writing a financial plan. Cincinnati, OH: National Underwriter.

Chatterjee, S., Goetz, J., Grable, J. E., & Palmer, L. (2018). Wiley study guide for 2018 CFP exam: Complete set (1st ed.). Hobboken, NJ: Wiley.

Grable, J. E., Yao, R., & Lei, S. (2017). Financial planning: An international perspective. Beijing: China FPH.

Grable, J. E., & Goetz, J. (2017). Communication essentials for financial planners: Strategies and techniques. Hoboken, NJ: Wiley.

Grable, J. E., Archuleta, K., & Nazarinia, R. (eds.). (2010). Financial planning and counseling scales. New York: Springer.

Current Classes

FHCE 5250 Capstone in Financial Planning

FHCE 7250E Capstone in Advanced Financial Planning

FHCE 8025E Research Evaluation and Theory in Financial Planning

FHCE 8200E Financial Planning and Analysis

Current Research

My students and I are currently working on projects related to financial risk tolerance assessment. A separate line of research involves the clinical evaluation of financial planning practice standards and models.

Job Description

Journal Articles

Grable, J. E., Kwak, E-J., & Archuleta, K. (2023). Distrust of banks among the unbanked and banked. International Journal of Bank Marketing.

Kruger, M., Grable, J. E., Palmer, L, & Goetz, J. (2023). Factors associated with couples pooling their finances. Contemporary Family Therapy. doi.10.1007/s10591-023-09666-9

Grable, J. E., & Rabbani, A. (2023). The moderating effect of financial knowledge on financial risk tolerance. Journal of Risk and Financial Management, 16(2), 137. doi.org/10.3390/jrfm16020137

Grable, J. E., Warmath, D., & Kwak, E-J. (2022). An Assessment of the Association between Political Orientation and Financial Risk Tolerance. Journal of Risk and Financial Management, 15(5), 199. doi.org/10.3390/jrfm15050199

Grable, J. E., & Kwak, E-J. (2022). The disappointment dilemma: The role of expectation proclivity and disappointment aversion in describing financial risk aversion and investing risk-taking behavior. Journal of Financial Counseling and Planning. https://connect.springerpub.com/content/sgrjfcp/early/2022/02/11/jfcp-2021-0012

Heo, W., Rabbani, A., Grable, J. E., & Roszkowski, M. (2022). The alpha and omega of financial risk-tolerance assessment. Financial Planning Review, 5, 2022;e1138. https://doi.org/10.1002/cfp2.1138

Rabbani, A., & Grable, J. E. (2022). Can portfolio risk be described with estimates of financial risk tolerance calibration? Finance Research Letters, 102492

Exley, J. W., Doyle, P., Campbell, W. K., & Grable, J. E. (2022). OCEAN wealth profiles: A latent profile analysis of personality traits and financial outcomes. Personality and Individual Differences, 185, 111300. https://doi.org/10.1016/j.paid.2021.111300

Warmath, D., Chen, P-J., Kwak, E-J., & Grable, J. E. (2021). Soft landings: Extending the cushion hypothesis to financial well-being in collectivistic cultures. Journal of Consumer Affairs, 55(4), 1563-1590. https://doi.org/10.1111/joca.12408

Rabbani, A., Heo, W., & Grable, J. E. (2021). The role of financial literacy in describing the use of professional financial advisors before and during the COVID-19 pandemic. Journal of Financial Service Marketing, 26, 226-236. https://doi.org/10.1057/s41264-021-00109-w

Grable, J. E., & Kwak, E-J. (2021). The role of disappointment aversion and expectation proclivity in describing financial risk aversion among financial decision makers. International Journal of Bank Marketing, 39, 1333-1352. https://doi.org/10.1108/IJBM-12-2020-0593

Rabbani, A. G., Grable, J. E., O’Neill, B., Lawrence, F., & Yao, Z. (2021, in press). Financial risk tolerance before and after a stock market shock: Testing the recency bias hypothesis. Journal of Financial Counseling and Planning, 32(2), 294-310.

Byram, J. L., Grable, J., White, K. J., Thomas, M., & Watkins, K. (2021). Improving youth financial literacy: A profile of middle school camp attendees. Journal of Extension, 59(4). Article 2. https://doi.org/10.34068/joe.59.04.02

Grable, J. E., Kruger, M., Byram, J-L., & Kwak, E-J. (2021). Perceptions of a Partner’s spending and saving behavior and financial satisfaction. Journal of Financial Therapy 12(1), 31-50.

Grable, J. E., Joo, S-H., & Kwak, E-J. (2021). Describing gambling affinity: The role of personality traits. Journal of Financial Therapy, 12(1), 102-126.

Rabbani, A., Yao, Z., Wang, C., & Grable, J. E. (2021). Financial risk tolerance, sensation seeking, and locus of control among pre-retirement baby boomers. Journal of Financial Counseling and Planning, 32(1), 148-157.

Heo, W., Rabbani, A., & Grable, J. E. (2021). An evaluation of the effect of the COVID-19 pandemic on the risk tolerance of financial decision makers. Finance Research Letters. doi.org/10.1016/j.frl.2020.101842

Grable, J. E., Kwak, E-J., Fulk, M., & Routh, A. (2020). A simplified measure of investor risk aversion. Journal of Interdisciplinary Economics, 34(1), 7-34. doi.org/10.1177/0260107920924518

Grable, J. E, Joo, S-H., & Kruger, M. (2020). Risk tolerance and household financial behavior: A test of the reflection effect. IIMB Management Review, 32, 402-412.

Kwak, E-J., & Grable, J. E. (2020). Conceptualizing the use of the term financial risk by non-academics and academics using Twitter messages and ScienceDirect paper abstracts. Social Network Analysis and Mining. doi.org/10.1007/s13278-020-00709-9

Grable, J. E., Heo, W., & Rabbani, A. (2020). Characteristics of random responders in a financial risk tolerance questionnaire. Journal of Financial Services Marketing, 26, 1-9. doi.org/10.1057/s41264-020-00078-6

Heo, W., Grable, J. E., & Rabbani, A. (2020). A Test of the association between the initial surge in COVID-19 cases and subsequent changes in financial risk tolerance. Review of Behavioral Finance. doi.org/10.1108/RBF-06-2020-0121

Heo, W., Park, N., Lee, J-M., & Grable, J. E. (2020). Using artificial neural network techniques to improve the description and prediction of household financial ratios. Journal of Behavioral and Experimental Finance, 100273. doi.org/10.1016/j.jbef.2020.100273

Grable, J. Joo, S-H., & Kwak, E-J. (2020). An assessment of the strength of association between stated and revealed risk preference measures. Korean Financial Planning Review, 13(3), 77-98.

Hubble, A., Grable, J. E., & Kruger, M. (2020). Do as I say, not as I do: An analysis of portfolio development recommendations made by financial advisors. The Journal of Wealth Management, 22(4), 62-73.

White, K., McCoy, M., Love, K., Kwak, E. J., Bruce, E., & Grable, J. E. (2019). The role of signaling when promoting diversity and inclusion at the firm level: A financial advisory professional case study. Advances in Business Research, 9(1), 1-16.

Grable, J. E., Archuleta, K. L., Ford, M. R., Kruger, M., Gale, J., & Goetz, J. (2019). The moderating effect of generalized anxiety and financial knowledge on financial behaviors. Journal of Contemporary Family Therapy. doi.org/10.1007/s10591-019-09520-x

Ford, M. R., Ross, D. B., Grable, J., & DeGraff, A. (2019). Examining the role of financial therapy on relationship outcomes and help-seeking behavior. Contemporary Family Therapy, 41, 1-13. https://link.springer.com/content/pdf/10.1007%2Fs10591-019-09511-y.pdf

Hubble, A., & Grable, J. E. (2019). The efficient frontuzzle: What investment risk profiling fails to solve. The Journal of Investing, 28(6). doi: https://doi.org/10.3905/joi.2019.1.098

Grable, J. E., Lyons, A. C., & Heo, W. (2019). A test of traditional and psychometric relative risk tolerance measures on household financial risk taking. Finance Research Letters, 30, 8-13.

Rabbani, A., O’Neill, B., Lawrence, F., & Grable, J. E. (2018). The investment risk tolerance assessment: A resource for extension educators. Journal of Extension, 56(7). Available at: https://www.joe.org/joe/2018december/tt4.php

Nobre, L., Grable, J. E., & Vieira, W. (2018). Managerial risk taking: A conceptual model for business use. Management Decision, 56, 2487-2501.

Heo, W., Grable, J. E., & Rabbani, A. G. (2018). A test of the relevant association between utility theory and subjective risk tolerance: Introducing the profit-to-willingness ratio. Journal of Behavioral and Experimental Finance, 19, 84-88. doi.org/10.1016/j.jbef.2018.05.003

Lyons, A., Grable, J. E., & Joo, S. (2018). A cross-country analysis of population aging and financial security. The Journal of the Economics of Ageing. doi.org/10.1016/j.jeoa.2018.03.001

Park, N., Heo, W., Ruiz-Menjivar, J., & Grable, J. E. (2017). Financial hardship, social support, and perceived stress. Journal of Financial Counseling and Planning, 28(2), 322-332.

Rabbani, A. G., Grable, J. E., Heo W., Nobre, L., & Kuzniak, S. (2017). Stock market volatility and changes in financial risk tolerance during the Great Recession. Journal of Financial Counseling and Planning, 28(1), 140-154.

Ford, M. R., Grable, J. E., Kruger, M., & DeGraff, A. (2017). Physiological arousal during couple financial discussions as a precursor to seeking financial planning help. Journal of Financial Therapy, 8(1), 1-21.

Grable, J. E., & Watkins, K. (2016). Quantifying the value of collecting: Implications for financial advisers. Journal of Family and Economic Issues, 37(4), 639-648. doi 10.1007/s10834-015-9471-2

Heo, W., Grable, J. E., O’Neill, B. (2016). Wealth accumulation inequality: Does investment risk tolerance and equity ownership drive wealth accumulation? Social Indicators Research. doi 10.1007/s11205-016-1359-5

Heo, W., Grable, J. E., Nobre, L., & Ruiz-Menjivar, J. (2016). An estimate of the mediation effect of risk tolerance between marital status and investing behavior. International Journal of Home Ecology, 17(1), 1-16.

Nobre, L. H. N., Grable, J. E., da Silva, W. V., & da Veiga, C. P. (2016). A cross cultural test of financial risk tolerance attitudes: Brazilian and American similarities and differences. International Journal of Economics and Financial Issues, 6, 314-322.

Archuleta, K. L., Burr, E. A., Carlson, M. B., Ingram, J., Kruger, L. I., Grable, J., & Ford, M. (2015). Solution focused financial therapy: A brief report of a pilot study. Journal of Financial Therapy, 6(1), 1-16.

Carr, N. A., Sages, R. A., Fernatt, F. R., Nabeshima, G. G., & Grable, J. E. (2015). Health information search and retirement planning. Journal of Financial Counseling and Planning, 26(1), 3-16.

Brown, J. M., & Grable, J. E. (2014). Sibling position and risk attitudes: Is being an only child associated with a person’s risk tolerance? Journal of Financial Therapy, 5(2), 19-36.

Grable, J. E., Heo, W., & Rabbani, A. (2014). Financial anxiety, physiological arousal, and planning intention. Journal of Financial Therapy, 5(2), 1-18.

Grable, J. E., & Rabbani, A. (2014). Risk tolerance across life domains: Evidence from a sample of older adults. Journal of Financial Counseling and Planning, 25(2), 174-183.

Woodyard, A., & Grable, J. (2014). Doing good and feeling well: Exploring the relationship between charitable activity and perceived personal wellness. Voluntas: International Journal of Voluntary and Nonprofit Organizations, 25(4), 905-928.

Henegar, J., Archuleta, K., Grable, J., Britt, S., Anderson, N., & Dale (2013). Credit card behavior as a function of impulsivity and a mother’s socialization factors. Journal of Financial Counseling and Planning, 24(2), 37-49.

Grable, J. E., Cupples, S., Fernatt, & Anderson, N. (2013). Evaluating the link between perceived income adequacy and financial satisfaction: A resource deficit hypothesis approach. Social Indicators Research, 114, 1109-1124.

Archuleta, K. L., Grable, J. E., & Britt, S. (2013). Financial and relationship satisfaction as a function of harsh start-up and shared goals and values. Journal of Financial Counseling and Planning, 24(1), 3-14.

Sohn, S., Joo, S-H., Grable, J. E., Lee, S., & Kim, M. (2012). Adolescents’ financial literacy: The role of financial socialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth. Journal of Adolescence, 35, 969-980.

Grable, J. E., & Britt, S. L. (2011). An investigation of response bias associated with electronically delivered risk-tolerance assessment. Journal of Financial Therapy, 2, 43-52.

Archuleta, K. L., Britt, S. L., Tonn, T. J., & Grable, J. E. (2011). Financial satisfaction and financial stressors in marital satisfaction. Psychological Reports, 108, 563-576.

Gilliam, J. E., Grable, J. E., & Hampton, V. (2011). The impact of decision power on financial risk tolerance and asset allocation. Journal of Business and Economics Research, 9(5), 27-40.

Goetz, J., Gilliam, J. E., & Grable, J. E. (2011). Inter-observer risk-tolerance agreement between husbands and wives. Journal of Business and Economics Research, 9(2), 17-26.

Gilliam, J., Chatterjee, S., & Grable, J. (2010). Measuring the perception of financial risk tolerance: A tale of two measures. Journal of Financial Counseling and Planning, 21(2), 30-43.

Roszkowski, M. J., & Grable, J. E. (2010). Gender differences in personal income and financial risk tolerance: How much of a connection? (Brief Report). The Career Development Quarterly, 58, 270-275.

Grable, J. E., Roszkowski, M. J., Joo, S-H., O’Neill, B., & Lytton, R. H. (2009). A test of the relationship between self-classified financial risk-tolerance and investment risk-taking behavior. International Journal of Risk Assessment and Management, 12, 396-419.

Roszkowski, M. J., & Grable, J. E. (2009). Evidence of lower risk tolerance among public sector employees in their personal financial matters. Journal of Occupational and Organizational Psychology, 82, 453-463.

Joo, S-H., Durband, D. B., & Grable, J. E. (2009). The academic impact of financial stress on college students. Journal of College Student Retention, 10, 287-305.

Grable, J. E., Park, J. Y., & Joo, S. (2009). Explaining financial management behavior for Koreans living in the United States. Journal of Consumer Affairs, 43, 80-107.

Grable, J. E., & Roszkowski, M. J. (2008). The influence of mood on the willingness to take financial risks. Journal of Risk Research, 11, 905-925.

Grable, J. E., Britt, S., & Webb, F. (2008). Environmental & biopsychosocial profiling as a means for describing financial risk-taking behavior. Financial Counseling and Planning, 19(2), 3-18.

Britt, S., Grable, J. E., Goff, B. S. N., & White, M. (2008). The influence of perceived spending behaviors on relationship satisfaction. Financial Counseling and Planning, 19(1), 31-43. (Selected as an eXtension publication under the “Financial Security for All” link.)

Grable, J. E., Britt, S., & Cantrell, J. (2007). An exploratory study of the role financial satisfaction and stressors have on the thought of subsequent divorce. Family and Consumer Sciences Research Journal, 36, 130-150.

Joo, S-H., Grable, J. E., & Choe, H. (2007). Who is and who is not willing to use on-line employer-provided retirement investment advice. Journal of Employment Counseling, 44, 73-85.

Schuchardt, J., Bagwell, D. C., Bailey, W. C., DeVaney, S. A., Grable, J. E., Leech, I. E., Lown, J. M., Sharpe, D. L., & Xiao, J. J. (2007). Personal finance: An interdisciplinary profession. Financial Counseling and Planning, 18(1), 61-69.

Grable, J. E., & Roszkowski, M. J. (2007). Self-assessment of risk tolerance by women and men. Psychological Reports, 100, 795-802.

Grable, J. E., Lytton, R. H., O’Neill, B., Joo, S-H., & Klock, D. (2006). Risk tolerance, projection bias, vividness and equity prices. Journal of Investing, 15(2), 68-74.

Roszkowski, M. J., & Grable, J. E. (2005). Estimating risk tolerance: The degree of accuracy and the paramorphic representations of the estimate. Financial Counseling and Planning, 16(2), 29-48.

Roszkowski, M. J., & Grable, J. E. (2005). Gender stereotypes in advisors’ clinical judgments of financial risk tolerance: Objects in the mirror are closer than they appear. Journal of Behavioral Finance, 6, 181-191.

Joo, S-H., & Grable, J E. (2005). Employee education and the likelihood of having a retirement savings program. Financial Counseling and Planning, 16(1), 37-49.

Grable, J. E., & Joo, S-H. (2004). Environmental and biopsychosocial factors associated with financial risk tolerance. Financial Counseling and Planning, 15(1), 73-88.

Lytton, R. H., & Grable, J. E. (2004). FCS academic programs and financial planning industry: Partnering to meet growing demand. Journal of Family and Consumer Sciences, 96(3), 41-45.

Grable, J. E., Lytton, R. H., & O’Neill, B. (2004). Projection bias and financial risk tolerance. The Journal of Behavioral Finance, 5, 240-245.

Asebedo, G., & Grable, J. E. (2004). Predicting mutual fund over-performance over a nine-year period. Financial Counseling and Planning, 15(1), 1-12.

Joo, S., & Grable, J. E. (2004). An exploratory framework of the determinants of financial satisfaction. Journal of Family and Economic Issues, 25, 25-50.

Grable, J. E., & Lytton, R. H. (2001). Assessing the concurrent validity of the SCF risk assessment item. Financial Counseling and Planning, 12(2), 43-52.

Grable, J. E., & Joo, S. (2001). A further examination of financial help-seeking behavior. Financial Counseling and Planning, 12(1), 55-65.

Joo, S., & Grable, J. E. (2001). Factors associated with seeking and using professional retirement-planning help. Family and Consumer Sciences Research Journal, 30, 37-63.

Grable, J. E. (2000). Financial risk tolerance and additional factors which affect risk taking in everyday money matters. Journal of Business and Psychology, 14(4), 625-630.

Joo, S., & Grable, J. E. (2000). Improving employee productivity: The role of financial counseling and education. Journal of Employment Counseling, 37(1), 2-15.

Grable, J. E., & Joo, S. (1999). Financial help-seeking behavior: Theory and implications. Financial Counseling and Planning, 10(1), 25-38.

Grable, J. E., & Lytton, R. H. (1998). Investor risk tolerance: Testing the efficacy of demographics as differentiating and classifying factors. Journal of Financial Counseling and Planning, 9, 61-74.

Garman, E. T., Leech, I. E., & Grable, J. E. (1996). The negative impact of employee poor personal financial behaviors on employers. Financial Counseling and Planning, 7, 157-168.

Publications

White Papers

Hubble, A., Grable, J. E., & Dannhauser, B. (2020). Investment Risk Profiling: A Guide for Financial Advisors. CFA Research Reports. https://www.cfainstitute.org/en/research/industry-research/investment-risk-profiling

Brayman, S., Finke, M., Bessner, E., Grable, J., Griffin, P., & Clement, R. (2015). Current Practices for Risk Profiling in Canada and Review of Global Best Practices. Research Report prepared for the Investor Advisory Panel of the Ontario Securities Commission. https://www.osc.gov.on.ca/documents/en/Investors/iap_20151112_risk-profiling-report.pdf

Refereed Professional Publications

Grable, J. E., Kwak, E-J., Chen, P-J. (2022). An evaluation of the association between marital status and financial risk tolerance. Journal of Financial Planning, 35(7), 84-96.

Grable, J. E., Mattia, L., West, C. L., Leitz, L. Y., & Rehl, K. M. (2022). Financial satisfaction postwidowhood: The role of resilience. Journal of Financial Service Professionals, 76(4), 54-64.

Grable, J. E., Kwak, E-J., & Heo W. (2022). Does miscalibration of financial risk tolerance describe portfolio holdings? Academia Letters, Article 5384.

Grable, J. E., & Kwak, E-J. (2022). An evaluation of the consistency of financial risk-aversion estimates. Journal of Personal Finance, 21(1), 19-30.

Grable, J. E., Hubble, A., Kruger, M., & Visbal, M. (2020 [published 2021]). Predicting financial risk tolerance and risk-taking behaviour: A comparison of questionnaires and tests. The Financial Planning Research Journal, 6(1), 1-19.

Mattia, L., Kwak, E-J., Grable, J. E., West, C. L., Leitz, L. Y., & Rehl, K M. (2020). Self-empowerment among widows: A financial planning perspective. Journal of Financial Planning, 33(10), 52-60.

Grable, J. E., Hubble, A., Kruger, M., Byram, J-L., Ford, M., & Clement, G. O. (2020). Risk tolerance. Beware when clients are in a bad mood. Journal of Financial Service Professionals, 74(1), 46-55.

Rabbani, A., Grable, J. E., Woodyard, A., & Yao, Z. (2019). Describing investor profiles: A test of the associations among financial knowledge, confidence, and help and information sources. Financial Services Review, 27, 209-230.

Fulk, M., Grable, J. E., Watkins, K., & Kruger, M. (2019). Who uses robo-advisory services, and who does not? Financial Services Review, 27, 173-188.

Heo, W., Park, N., Henegar, R., & Grable, J. E. (2019). What do financial planning organizations communicate to stakeholders and consumers? An empirical narrative analysis. Financial Services Review, 27, 115-132.

Watkins, K., Osinubi, A., White, K. J., Williams, T., Thomas, M. G., & Grable, J. E. (2019). A comparative study of an abbreviated and extended youth financial education program. The Forum for family and Consumer Issues, 22(1). https://www.theforumjournal.org/2019/09/30/a-comparative-study-of-an-abbreviated-and-extended-youth-financial-education-program/

Woodyard, A. S., & Grable, J. E. (2018). Insights into the users of robo-advisory firms. Journal of Financial Service Professionals, 72(5), 56-66.

Fulk, M., Watkins, K., Grable, J. E., & Kruger, M. (2018). Who changes their financial planner? Journal of Financial Planning, 31(8), 48-56.

Kuzniak, S., & Grable, J. E. (2017/2018). Does financial risk tolerance change over time? A test of the role macroeconomic, biopsychosocial and environmental, and social support factors play in shaping changes in risk attitudes. Financial Services Review, 26, 315-338.

Grable, J. E, West, C. L., Leitz, L. Y., Rehl, K. M., Moor, C. C., Hernandez, M. N., & Bradley, S. (2017). Enhancing financial confidence among widows: The role of financial professionals. Journal of Financial Planning, 30(12), 40-46.

Kruger, M., Grable, J. E., & Fallaw, S. S. (2017). An evaluation of the risk-taking characteristics of affluent households. Journal of Financial Planning, 30(7), 39-47.

Rehl, K. M., West, C. L., Leitz, L. Y., Grable, J. E., Moor, C. C., Hernandez, M. N., & Bradley, S. (2017). Helping repartnered widows navigate romance and finance: The role of financial advice. Journal of Financial Service Professionals, 71(3), 63-72.

Grable, J. E., Joo, S., & Kruger, M. (2017). Wealth accumulation status: An exploratory study of the role saving and inheritances play in shaping wealth accumulation status. Korean Financial Planning Review, 10(2), 173-199.

Grable, J. E., Kruger, M., & Fallaw, S. S. (2017). An assessment of wealth accumulation tasks and behaviors. Journal of Financial Service Professionals, 71(1), 55-70.

Brayman, S., Grable, J. E., Griffin, P., & Finke, M. (2017). Assessing a client’s risk profile: A review of solution providers. Journal of Financial Service Professionals, 71(1), 71-81.

Grable, J. E., Heo, W., & Kruger, M. (2016). The intertemporal persistence of risk tolerance scores. Journal of Financial Planning, 29(8), 42-51.

Heo, W., Nobre, L. H., Grable, J. E., & Ruiz-Menjivar, J. (2016). What role does financial risk tolerance play in mediating investing behavior? Journal of Financial Service Professionals, 70(5), 42-51.

Rehl, K. M., Moor, C. C., Leitz, L. Y., & Grable, J. E. (2016). Widows’ voices: The value of financial planning. Journal of Financial Service Professionals, 70(1), 53-60.

Grable, J. E., & Chen, X. (2015). Collectible, investment, or both: Evaluating the attractiveness of collectible stamps. Journal of Financial Service Professionals, 26(5), 78-87.

Kuzniak, S., Rabbani, A., Heo, W., Ruiz-Menjivar, J., & Grable, J. E. (2015). The Grable and Lytton risk tolerance scale: A 15-year retrospective. Financial Services Review, 24, 177-192.

Grable, J. E., Joo, S-H., & Park, J. (2015). Exploring the antecedents of financial behavior for Asians and non-Hispanic whites: The role of financial capability and locus of control. Journal of Personal Finance, 14(1), 28-37.

Grable, J. E., & Chatterjee, S. (2014). Zeta estimates of wealth volatility and financial planning horizon. Ewha Journal of Social Science. https://www.kci.go.kr/

Grable, J. E., & Chatterjee, S. (2014). Reducing wealth volatility: The value of financial advice as measured by zeta. Journal of Financial Planning, 27(8), 45-51.

Heo, W., Grable, J. E., & Chatterjee, S. (2013). Life insurance consumption as a function of wealth change. Financial Services Review, 22, 389-404.

Grable, J. E., McClure, N. D., Broddie, K., Kutzman, S., & Watkins, B. (2013). A digital asset balance sheet: A new tool for financial planners. Journal of Personal Finance, 12(1), 153-153.

Cupples, S., Rasure, E., & Grable, J. E. (2013). Educational achievement as a mediator between gender and financial risk tolerance: An exploratory study. Ewha Journal of Social Sciences, 6, 151-180.

Archuleta, K. L., & Grable, J. E. (2012). Does it matter who makes the financial decisions? An exploratory study of married couples’ financial decision-making and relationship satisfaction. Korean Financial Planning Review, 5(4), 1-15.

Grable, J. E., & Britt, S. L. (2012). Financial news and client stress: Understanding the association from a financial planning perspective. Korean Financial Planning Review, 5(3), 23-36.

Grable, J. E., & Britt, S. L. (2012). Assessing client stress and why it matters to financial advisors. Journal of Financial Service Professionals, 3, 39-46.

Grable, J. E., Park, J-Y, Choe, H. C. (2011). Anticipating changes in client risk tolerance: A financial planning perspective. Korean Financial Planning Review, 4(1), 1-9.

Britt, S. L., Grable, J. E., Cumbie, J., Cupples, S., Henegar, J., Schindler, K., & Archuleta, K. (2011). Student financial counseling: An analysis of a clinical and non-clinical sample. Journal of Personal Finance, 10(2), 95-121.

Heckman, S. J., & Grable, J. E. (2011). Testing the role of parental debt attitudes, student income, dependency status, and financial knowledge have in shaping financial self-efficacy among college students. The College Student Journal, 45, 51-64.

Grable, J., Joo, S., Park, J. (2010). Cross cultural risk-tolerance self-evaluation bias: Comparing South Koreans and Americans. Asian Economic Review, 69(1), 261-274.

Gilliam, J., & Grable, J. E. (2010). Risk tolerance estimation bias: Do married women and men differ. Journal of Consumer Education, 27(1), 45-58.

Sages, R. A., & Grable, J. E. (2010). Financial numeracy, net worth, and financial management skills: Client characteristics that differ based on financial risk tolerance. Journal of Financial Services Professionals, 64(6), 57-65.

Grable, J. E., & Schumm, W. (2010). An estimate of the reliability of the Survey of Consumer Finances risk-tolerance question. Journal of Personal Finance, 9, 117-131.

Grable, J. E., & Archuleta, K. (2009/2010). An evaluation of journal publication evaluation factors. Journal of Personal Finance, 8(1), 13-22.

Grable, J. E., Joo, S-H., & Park, J-Y. (2009). Self-evaluation bias in risk tolerance: Comparing South Koreans and Americans. Korean Financial Planning Review 2(2), 1-20.

Grable, J. E., McGill, S., & Britt, S. (2009). Risk tolerance estimation bias: The age effect. Journal of Business & Economics Research, 7(7), 1-12.

Grable, J. E., & McGill, S. (2009). Occupational income betas for financial advisors. Journal of Financial Planning, 22(6), 50-61.

Grable, J. E., Archuleta, K, & Evans, D. A. (2009). Hey buddy, do you have the correct time (horizon)? Journal of Financial Service Professionals, 63(4), 49-56.

Grable, J. E., & Roszkowski, M. J. (2008). The influence of mood on the willingness to take financial risks. Journal of Risk Research, 11, 905-925.

Grable, J. E. (2008). RiskCAT: A framework for identifying maximum risk thresholds in personal portfolios. Journal of Financial Planning, 21 (10), 52-62.

Roszkowski, M. J., & Grable, J. (2007). How are income and net worth related to happiness? Journal of Financial Service Professionals, 61(1), 64-80.

Joo, S-H., & Grable, J. E. (2006). Using predicted perceived emergency fund adequacy to segment prospective financial consulting clients. Financial Services Review, 15, 297-131.

Grable, J. E., & Britt, S. (2006). A further examination of the validity of the Kansas Marital Satisfaction Scale: Implications for financial consultants. Journal of Personal Finance, 5(2), 17-31.

Grable, J. E. (2006). Personal finance, financial planning, and financial counseling publication rankings. Journal of Personal Finance, 5(1), 68-78.

Roszkowski, M. J., & Grable, J. (2006, April). Wealth, Happiness, and the Hedonic Treadmill: Ramifications of the Puzzle for Wealth Managers. Wealth Optimizer (India), 1-17.

Grable, J. E., & Joo, S-H. (2006). Student racial differences in credit card debt and financial behaviors and stress. College Student Journal, 40, 400-408.

Grable, J. E. (2005). The future of financial planning academic programs: Does the future look bleak? Journal of Personal Finance, 4(4), 91-98.

Roszkowski, M. J., Davey, G., & Grable, J. E. (2005). Insights from psychology and psychometrics on measuring risk tolerance. Journal of Financial Planning, 18(4), 68-76.

Grable, J. E. (2004). Assessing financial risk-tolerance attitudes using semantic differential scales. Journal of Personal Finance, 3(3), 68-88.

Grable, J. E., & Cantrell, J. (2004). An employee hiring strategy based on the four domains of student performance. Journal of Financial Planning (Online). Available at http:// www.fpanet.org/journal/betweentheissues/yourpractice/060104A.cfm.

Grable, J. E., & Cantrell, J. (2003, December). Future value calculations and the geometrically varying annuity. Journal of Financial Planning (Online). Available at http://www.fpanet.org/journal/BetweenTheIssues/Contributions/120103.cfm

Grable, J. E., & Lytton, R. H. (2003). The development of a risk assessment instrument: A follow-up study. Financial Services Review, 12, 257-274.

Grable, J. E., & Joo, S. (2003). A snapshot view of the help-seeking market. Journal of Financial Planning, 16(3), 88-94.

Joo, S., Grable, J. E., & Bagwell, D. (2003). Credit card attitudes and behaviors of college students. College Student Journal, 37, 405-419.

Grable, J. E., & Cantrell, J. (2002). A technique for calculating the maximum withdrawal from accumulated retirement assets. Personal Financial Planning Monthly, 1(9), 12-20.

Grable, J. E., & Joo, S. (2002). Understanding financial help-seeking behaviors and attitudes: A study of university faculty and staff. Journal of Financial Planning, 15(5), 84-91.

Grable, J. E., & Joo, S. (2001). A subsequent study of the relationships between self-worth and financial beliefs, behavior, and satisfaction. Journal of Family and Consumer Sciences, 93(5), 25-30.

Lytton, R. H., Decker, L. R., & Grable, J. E. (2001). Student credit card debt: Looking beyond the financial issue. Family Relations and Human Development/Family Economics and Resource Management Biennial, 4, 105-113.

Grable, J. E., & Lytton, R. H. (1999). Financial risk tolerance revisited: The development of a risk assessment instrument. Financial Services Review, 8(3), 163-181.

Grable, J. E., & Joo, S. (1999). How to improve financial knowledge, attitudes, and behaviors among consumer science constituencies. The Journal of Consumer Education, 17, 20-26.

Grable, J. E., & Lytton, R. H. (1999). Assessing financial risk tolerance: Do demographics, socioeconomic and attitudinal factors work? Family Economics and Resource Management Biennial, 3, 80-88.

Grable, J. E., & Joo, S. (1998). Does financial education affect attitudes, knowledge, and behavior? An empirical analysis. Personal Finances and Worker Productivity, 2(2), 213-220.

Chen, P., Hanna, S., & Grable, J. E. (1997). Employee personal retirement plan asset allocation: The case for 100% stocks. Personal Finances and Worker Productivity, 1(1), 211-215.

Grable, J. E., & Lytton, R. H. (1997). Determinants of retirement savings plan participation: A discriminant analysis. Personal Finances and Worker Productivity, 1(1), 184-189.

Grable, J. E., & Joo, S. (1997). Determinants of risk preference: Implications for family and consumer science professionals. Family Economics and Resource Management Biennial, 2, 19-24.

Invited Columns

Grable, J. E., & Hubble, A. (2022). Bonds: A point-counterpoint discussion. Journal of Financial Service Professions, 76(3), 18-22.

Grable, J. E., & Hubble, A. (2022). Fit-for-purpose: What it means in the context of risk-tolerance assessment. Journal of Financial Service Professionals, 76(1), 10-13.

Grable, J. E., & Cupples, S. (2021). Three long-term savings strategies for adventurous investors. Journal of Financial Service Professionals, 75(3), 13-16.

Grable, J. E. (2021). Market corrections, panics, and COVID-19. Journal of Financial Service Professionals, 75(1), 10-13.

Bogan, V. L., Geczy, C. C., & Grable, J. E. (2020). Financial planning: A research agenda for the next decade. Financial Planning Review, 2020;e1094. https//doi.org/10.1002/cfp2.1094

Grable, J. E. (2020). Do presidential elections predict market returns? Journal of Financial Service Professionals, 74(5), 11-14.

Grable, J. E. (2020). How reliable is your risk-tolerance questionnaire? Journal of Financial Service Professionals, 74(3), 10-14.

Grable, J. E. (2020). Are Americans financially illiterate? Journal of Financial Service Professionals, 74(1), 11-14.

Grable, J. E. (2019). An introduction to Kondratieff waves. Journal of Financial Service Professionals, 73(3), 19-22.

Grable, J. E. (2019). A primer on finding finance and economics research relevant to practice. Journal of Financial Service Professionals, 73(5), 17-20.

Heo, W., & Grable, J. E. (2019). A new method for anticipating changes in investment market conditions. Journal of financial Service Professionals, 73(1), 18-23.

Grable, J. E., & Lyons, A. C. (2018). An introduction to big data. Journal of Financial Services Professionals, 72(5), 17-20.

Grable, J. E. (2018). Another look at risk-profiling. Journal of Financial Service Professionals, 72(3), 18-21.

Grable, J. E., & Lyons, A. C. (2018). Exploring the theoretical and methodological issues surrounding the relationship between risk tolerance and wealth accumulation. Journal of Financial Service Professionals, 72(1), 11-15.

Grable, J. E., & Rabbani, A. (2017). Does engagement in the stock market shape willingness to take financial risk? Journal of Financial Service Professionals, 71(5), 17-20.

Heo, W., & Grable, J. E. (2017). Demand for life insurance: A consumer perspective. Journal of Financial Service Professionals, 71(3), 19-22.

Grable, J. E., & Heo, W. (2017). Insights into the relationship between risk tolerance and market volatility. Journal of Financial Service Professionals, 71(1), 16-20.

Grable, J. E., & Chatterjee, S. (2016). What you need to know about constant relative risk aversion. Journal of Financial Service Professionals, 70(5), 16-18.

Grable, J. E., & Heo, W. (2016). Risk tolerance and changes in equity ownership. Journal of Financial Service Professionals, 70(3), 20-22.

Grable, J. E., & Chatterjee, S. (2016). Sequence of returns risk before retirement. Journal of Financial Service Professionals, 70(1), 16-19.

Grable, J. E., & Chatterjee, S. (2015). Another look at lump-sum versus dollar-cost averaging. Journal of Financial Service Professionals, 69(5), 16-18.

Nobre, L. H. N., & Grable, J. E. (2015). The role of risk profiles and risk tolerance in shaping client decisions. Journal of Financial Service Professionals, 69(3), 18-21.

Grable, J. E. (2015). Are your clients really a stock or bond? A human capital perspective. Journal of Financial Service Professionals, 69(1), 16-18.

Grable, J. E., & Chatterjee, S. (2014). Time-weighted versus dollar-weighted returns: A glimpse into the accuracy debate. Journal of Financial Service Professionals, 68(5), 12-14.

Grable, J. E., & Chatterjee, S. (2014). The Sharpe ratio and negative excess returns: The problem and the solution. Journal of Financial Service Professionals, 68(3), 12-14.

Grable, J. E., & Heo, W. (2014). Introduction to Financial Risk Tolerance. Korean Financial Planning Association Journal. www.fpkorea.com/Library/FP.journal.read.asp?bm_key=161&bd_key=11618&p_section=&p_is_open=&is_sch=&kWt=

Grable, J. E., & Carr, N. A. (2014). Risk tolerance and goal-based financial planning. Journal of Financial Service Professionals, 68(1), 12-14.

Grable, J.E. (2013). Psychophysiological economics: Introducing an emerging field of study. Journal of Financial Service Professionals, 67(5), 16-18.

Grable, J. E. (2013). Is risk tolerance stable? The role of projection bias. Journal of Financial Service Professionals, 67(1), 14-16.

Grable, J. E. (2013). Gender, wealth, and risk: Why are baby boomer women less risk tolerant than baby boomer men? Journal of Financial Services Professionals, 67(3), 7-9.