PhD, CFP®, The Ohio State University.
Rui Yao, PhD, CFP®, is an associate professor in the Personal Financial Planning Department at the University of Missouri in Columbia. Dr. Yao received her doctoral degree from The Ohio State University. Her research interests include financial risk tolerance, retirement preparation, saving behavior and motives, debt management, and household consumption patterns. She received the best paper award from the CFP Board and AARP. Her research is published in leading journals in the field. Dr. Yao serves on the editorial board of the Journal of Personal Finance and the Journal of Asian Families and as a reviewer for a number of academic journals and conferences. She has been committed to working with the China Center for Financial Research in Tsinghua University of China and is a member of the research team on their first national survey of Chinese Consumer Finance and Investor Education.