Sam Cupples

College of Family and Consumer Sciences

Financial Planning, Housing and Consumer Economics



Degree Field of Study Institution Graduation
Ph.D. Personal Financial Planning Kansas State University 2016
M.B.A. Finance Oklahoma State University 1983
B.S. Accounting Oklahoma State University 1977


My research focuses on the impact of Behavioral Finance on decision making processes in the area of Personal Financial Planning.


I am currently a Full Time Lecturer in the Department of Financial Planning, Housing, and Consumer Economics.

Prior Professional Positions

Organization Title Years of Service
University of Central Oklahoma Visiting Assistant Professor of Finance 2019 to 2020
University of Central Oklahoma Adjunct Professor of Finance 1986 to 2018
Kansas State University Graduate Instructor Personal Financial Planning 2017
University of Phoenix Instructor of Finance and Accounting 2001 to 2006
Oklahoma State University Adjunct Instructor of Finance 1982 to 1983
Various previous industry positions in Financial Management Chief Financial Officer, Regional Controller, and Manager of Finance and Accounting 26 years


I serve as a reviewer to The Journal of Family and Economic Issues, and The Journal of Finanical Therapy.

I am a member of The Financial Planning Association, The Academy of Financial Services, and The Financial Therapy Association.

Current Classes

Advanced Retirement Planning and Employee Benefits

Advanced Wealth Management I

Advanced Wealth Management II

Current Research

My current research includes two areas: (a) the association of personality on personal financial decision making, and (b) the association of financial risk tolerance on personal finanical decision making.

Journal Articles

Cupples, S., Rasure, E., Grable, J.E. (2013). Educational achievement as a mediator between gender and financial risk tolerance: An exploratory study. 

Grable, J.E., Cupples, S., Fernatt, F., & Anderson, N. (2012). Evaluating the Link Between Perceived Income Adequacy and Financial Satisfaction: A Resources Deficit Hypothesis Approach. 

Britt, S., Grable, J., Cumbie, J., Cupples, S., Henegar, J., Schindler, K., Archuleta, K. (2011). Student financial counseling: An analysis of a clinical and non-clinical sample. 

Working Papers

The association of personality on personal finanical decision making.

The association of financial risk tolerance on personal financial decision making.

Interested in graduate studies?

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