Ann Sanders Woodyard, PhD, CFP(R)

College of Family and Consumer Sciences

Financial Planning, Housing and Consumer Economics

Assistant Professor

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


workOffice Phone: 706-542-4851

Fax: 706-542-4397

Curriculum Vitae


Degree Field of Study Institution Graduation
PhD Family Studies Kansas State University 2010
MBA Business University of North Carolina 1987
BA Physical Science Kansas State University 1982


My research focuses on the area of financial wellness and tries to answer the questions of what financial practices lead to healthier lifestyles. I am interested in charitable giving and wellness, as well as financial literacy and the relationship between the practices we undertake and the impact those practices have on our health and wellness.

Current Research

I am currently researching the impact of behaviors and financial knowledge on financial satisfaction across income levels.I am also looking at types of financial knowledge; the objective or numeracy type of knowledge and subjective, or the way we feel about our financial competence. It seems that there might be differences in the ways that these types of knowledge affect financial behaviors and financial well-being. 


I have taught classes in investment planning, consumer issues, advanced financial counseling and the theories involved in the research of households, consumers and financial behaviors.


New Faculty Tour, University of Georgia, 2013

Women’s Health Symposium, West Alabama HIV Prevention Network, November 2011. Three Fundamental Practices of Financial Empowerment

Student Dietetic Association, University of Alabama, April 2010. Ten Steps to Establishing Financial Wellness.  


Award Name Awarded By Year Awarded
Outstanding Teacher of the Year Department of Financial Planning, Housing and Consumer Economics, University of Georgia 2015
Teaching Academy Fellows Program University of Georgia Teaching Academy 2014
Runner-up with P. Babiarz and C. A. Robb, Article of the Year, Journal of Consumer Affairs American Council on Consumer Interests 2013
Second place with C. A. Robb, Annual Conference Poster Competition American Council on Consumer Interests 2011
The Marjorie J. and Richard L. D. Morse Family and Community Public Policy Scholarship Special Collections Library, Kansas State University 2007

Journal Articles

Woodyard, A. S., Robb, C. A., Babiarz, P. & Jung, J. (2017). Knowledge and practice: Implications for cash and credit management behaviors. Family and Consumer Sciences Research Journal, 45(3), 300-314.

Woodyard, A. S., & Robb, C. A. (2016). Consideration of financial satisfaction: What consumers know, feel and do from a financial perspective. Journal of Financial Therapy, 7(2) 4.

Robb, C. A., Babiarz, P., Woodyard, A. S., & Seay, M. C. (2015). Bounded rationality and use of alternative financial services.  Journal of Consumer Affairs, 49(2), 407-435.

Woodyard, A. S. & Grable, J. E.  (2014). Doing good and feeling well: An exploration of the relationship between charitable activity and perceived personal wellness. Voluntas: International Journal of Voluntary and Nonprofit Organizations,25(4), 905-928. doi: 10.1007/s11266-013-9382-5

Robb, C. A., Babiarz, P., & Woodyard, A. (2012). The demand for financial professionals’ advice: The role of financial knowledge, satisfaction, and confidence. Financial Services Review, 21(4), 291-305.

Woodyard, A. S., & Robb, C. A. (2012). The gender gap and financial knowledge. Journal of Financial Therapy, 3(1). doi:10.4148/jft.v3i1.1453

Babiarz, P., Robb, C. A., & Woodyard, A. S. (2012). Family decision making and resource protection adequacy. Journal of Consumer Affairs, 46(1), 1-36.

Robb, C. A., & Woodyard, A. S. (2011). Financial knowledge and ‘best practice’ behavior. Journal of Financial Counseling and Planning, 22(1), 60-70.

Editorial Appointments

Position Name of Journal Year(s)
Associate Editor International Journal of Teaching and Learning in Higher Education 2014 - present