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From the Executive Editor 执行编辑的话
FINANCIAL PLANNING REVIEW Pub Date : 2024-03-21 DOI: 10.1002/cfp2.1180
Stephen M. Horan
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引用次数: 0
A Study on the Risk Factors involved in Investing in Equity Linked Securities (ELS) 股票挂钩证券（ELS）投资风险因素研究
FINANCIAL PLANNING REVIEW Pub Date : 2024-02-29 DOI: 10.36029/fpr.2024.02.17.1.71
Seunghee Lee
{"title":"A Study on the Risk Factors involved in Investing in Equity Linked Securities (ELS)","authors":"Seunghee Lee","doi":"10.36029/fpr.2024.02.17.1.71","DOIUrl":"https://doi.org/10.36029/fpr.2024.02.17.1.71","url":null,"abstract":"","PeriodicalId":100529,"journal":{"name":"FINANCIAL PLANNING REVIEW","volume":"2002 15","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140416349","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Way of life: A future research agenda for how worldviews impact financial attitudes and behaviors 生活方式：世界观如何影响财务态度和行为的未来研究议程
FINANCIAL PLANNING REVIEW Pub Date : 2024-01-24 DOI: 10.1002/cfp2.1177
Shane Enete, Sean McDowell
{"title":"Way of life: A future research agenda for how worldviews impact financial attitudes and behaviors","authors":"Shane Enete,&nbsp;Sean McDowell","doi":"10.1002/cfp2.1177","DOIUrl":"10.1002/cfp2.1177","url":null,"abstract":"<p>The purpose of this paper is to provide a future research agenda to study how worldviews impact financial attitudes and behaviors. In addition, this paper will help operationalize many of the constructs associated with an individual's values and personal worldview. As a result of this research agenda, researchers and financial planners will move towards developing personal value and worldview identification tools that will help individuals more intrinsically adopt savings goals that help meet their life goals.</p>","PeriodicalId":100529,"journal":{"name":"FINANCIAL PLANNING REVIEW","volume":"7 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1002/cfp2.1177","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139599606","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Human capital and pandemic-related stimulus usage 人力资本与大流行病相关刺激措施的使用
FINANCIAL PLANNING REVIEW Pub Date : 2024-01-24 DOI: 10.1002/cfp2.1178
Sabina Pandey, Michael A. Guillemette, Sarah D. Asebedo
{"title":"Human capital and pandemic-related stimulus usage","authors":"Sabina Pandey,&nbsp;Michael A. Guillemette,&nbsp;Sarah D. Asebedo","doi":"10.1002/cfp2.1178","DOIUrl":"10.1002/cfp2.1178","url":null,"abstract":"<p>Using nationally representative data from the 2021 National Financial Capability Study (NFCS), this study investigates the association between human capital, as proxied through education and objective financial knowledge, and stimulus payment usage for spending, debt repayment, savings, and investments during the COVID-19 pandemic. The results from a sample of 23,344 observations suggest that human capital relates to differences in how people used their COVID-19 stimulus payments. In particular, the study found that human capital is associated positively with using stimulus payments to add to savings or invest in the stock market.</p>","PeriodicalId":100529,"journal":{"name":"FINANCIAL PLANNING REVIEW","volume":"7 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1002/cfp2.1178","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139600379","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Optimal decisions under price dynamics for Roth conversions
FINANCIAL PLANNING REVIEW Pub Date : 2023-12-26 DOI: 10.1002/cfp2.1174
James A. DiLellio, Philip M. Goldfeder, Edward F. McQuarrie
{"title":"Optimal decisions under price dynamics for Roth conversions","authors":"James A. DiLellio,&nbsp;Philip M. Goldfeder,&nbsp;Edward F. McQuarrie","doi":"10.1002/cfp2.1174","DOIUrl":"https://doi.org/10.1002/cfp2.1174","url":null,"abstract":"<p>Retirees are faced with a variety of choices during their working and retirement years on how to best support their retirement lifestyle and estate planning goals. One of these choices is the option to convert a portion of their pretax savings from a tax-deferred account (TDA) into a tax-exempt Roth account. In this article, we quantify the Roth conversion payoff and when/how it depends on investment returns. We show that, while the use of taxable account assets may produce a larger payoff than early withdrawals from the Roth IRA, large unrealized taxable account gains and estate plans may change this calculus. Our work provides a recommendation on how current dividends or cash versus appreciated assets should be used to optimize Roth conversion payoffs, and informs FinTech companies and robo-advisors on how to best support this important option for millions of current and future retirees.</p>","PeriodicalId":100529,"journal":{"name":"FINANCIAL PLANNING REVIEW","volume":"6 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143253481","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Why do wealth advisors stay or leave their firms? 为什么财富顾问会留在或离开他们的公司？
FINANCIAL PLANNING REVIEW Pub Date : 2023-12-11 DOI: 10.1002/cfp2.1175
Mark J. Mattia, Laura Mattia, Inga Timmerman
{"title":"Why do wealth advisors stay or leave their firms?","authors":"Mark J. Mattia,&nbsp;Laura Mattia,&nbsp;Inga Timmerman","doi":"10.1002/cfp2.1175","DOIUrl":"10.1002/cfp2.1175","url":null,"abstract":"<p>We study the determinants associated with wealth advisors' consideration to leave or say at financial planning firms. Utilizing self-determination theory as the foundational theoretical framework and focusing on the psychological aspect of the decision, we develop a structural equation model that defines the factors relating to work satisfaction, affective work commitment, and turnover intention in the wealth management profession. We provide evidence for the roles played by autonomous motivation, reward, and punishment in determining job retention and affective work commitment among wealth advisors in the United States. By showing the importance of autonomous motivation on retention, we are offering the wealth management industry one extra tool to influence employee retention.</p>","PeriodicalId":100529,"journal":{"name":"FINANCIAL PLANNING REVIEW","volume":"7 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138981406","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
From the Executive Editor
FINANCIAL PLANNING REVIEW Pub Date : 2023-11-21 DOI: 10.1002/cfp2.1176
Stephen M. Horan
{"title":"From the Executive Editor","authors":"Stephen M. Horan","doi":"10.1002/cfp2.1176","DOIUrl":"https://doi.org/10.1002/cfp2.1176","url":null,"abstract":"","PeriodicalId":100529,"journal":{"name":"FINANCIAL PLANNING REVIEW","volume":"6 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143253025","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Affect and financial satisfaction: The mediating role of financial self-efficacy
FINANCIAL PLANNING REVIEW Pub Date : 2023-11-20 DOI: 10.1002/cfp2.1173
Olamide Olajide, Sarah Asebedo, Todd Little
{"title":"Affect and financial satisfaction: The mediating role of financial self-efficacy","authors":"Olamide Olajide,&nbsp;Sarah Asebedo,&nbsp;Todd Little","doi":"10.1002/cfp2.1173","DOIUrl":"https://doi.org/10.1002/cfp2.1173","url":null,"abstract":"<p>Using the 2008, 2012, and 2016 waves of the Health and Retirement Study (HRS), this study employs Structural Equation Modeling (SEM) to investigate if financial self-efficacy mediates the relationship between <i>affective states</i> (e.g., state-like emotions) and financial satisfaction and if this differs for retirees and non-retirees. The results show that retirees' negative <i>affective state</i> (<i>negative affect</i>) in wave 1 (2008) is related inversely to their financial self-efficacy in wave 2 (2012), and financial self-efficacy is related positively to financial satisfaction in wave 3 (2016). The results show that <i>negative affect</i> is associated with lower financial satisfaction through financial self-efficacy as a mediating characteristic for retirees. However, for non-retirees, no statistically significant mediation relationship is found. Findings from this study contribute to the gap in understanding the lingering effects of <i>negative affect</i> on financial behavior and financial satisfaction levels of older adults. This study provides insights into how financial planning practitioners can help clients navigate <i>affective states</i> and financial self-efficacy as they work together to reach their financial goals.</p>","PeriodicalId":100529,"journal":{"name":"FINANCIAL PLANNING REVIEW","volume":"6 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143252963","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Professional financial advice and investor behavior during the COVID-19 pandemic COVID-19 大流行期间的专业财务咨询和投资者行为
FINANCIAL PLANNING REVIEW Pub Date : 2023-11-02 DOI: 10.1002/cfp2.1172
Zhikun Liu, Michael Finke, David Blanchett
{"title":"Professional financial advice and investor behavior during the COVID-19 pandemic","authors":"Zhikun Liu,&nbsp;Michael Finke,&nbsp;David Blanchett","doi":"10.1002/cfp2.1172","DOIUrl":"10.1002/cfp2.1172","url":null,"abstract":"<p>Employees are commonly defaulted into either a homogeneous passive investment such as a target-date fund, or into a managed account that offers personalization and access to an advisor. Higher performance among investors in target-date funds suggests a possible behavioral benefit of a passive default that requires no active monitoring by investors. Access to a human advisor and an asset allocation matched to employee risk preferences can also help investors avoid trading after a market decline. This paper explores the relationship between trading activity and advice-seeking behavior among 5 million US DC participants during the COVID-19 pandemic, comparing self-directors and target-date fund investors to those using managed accounts service. We find participants who use target-date funds are less likely to phone during a market crash. Participants in managed accounts are the least likely to trade after seeking advice. These findings are consistent with the hypothesis that passive default can improve outcomes where active choice can harm outcomes, and personalized defaults with access to advice can help participants avoid investment mistakes.</p>","PeriodicalId":100529,"journal":{"name":"FINANCIAL PLANNING REVIEW","volume":"7 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135973349","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Personality, financial risk-taking attitude, and older individuals' stock investment decisions 个性、财务风险承担态度和老年人的股票投资决策
FINANCIAL PLANNING REVIEW Pub Date : 2023-10-11 DOI: 10.1002/cfp2.1171
Yi Liu, Sarah Del Asebedo, Blain Pearson
{"title":"Personality, financial risk-taking attitude, and older individuals' stock investment decisions","authors":"Yi Liu,&nbsp;Sarah Del Asebedo,&nbsp;Blain Pearson","doi":"10.1002/cfp2.1171","DOIUrl":"10.1002/cfp2.1171","url":null,"abstract":"<p>This study investigates the relationship between personality traits and older individuals' stock investment decisions using structural equation modeling. The results suggest that greater openness and extraversion are associated with a higher propensity to participate in stock investments and hold a larger proportion of stock investments relative to their other financial assets. Additionally, the findings suggest that those with greater conscientiousness and agreeableness are less likely to hold stock investments and tend to hold smaller proportions of stock investments relative to other financial assets. Last, the results indicate that those with greater openness and extraversion are more willing to take financial risks, whereas those with greater conscientiousness and agreeableness display less willingness to take financial risks.</p>","PeriodicalId":100529,"journal":{"name":"FINANCIAL PLANNING REVIEW","volume":"6 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-10-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136212162","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
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