Recent Publications

Fan, L. (Accepted). Information search, financial advice use, and consumer financial behavior. Journal of Financial Counseling and Planning.
Fan, L., & Chatterjee, S. (Accepted). The utilization of robo-advisors by individual investors: An analysis using diffusion of innovation and information search frameworks. Journal of Financial Counseling and Planning.
Fan, L., & Chatterjee, S. (2019). Bequest expectations among U.S. older adults: The roles of generational differences and personality traits. Financial Planning Review, 2(3-4).
Fan, L., & Babiarz, P. (2019). The determinants of subjective financial satisfaction and the moderating roles of gender and marital status. Family and Consumer Sciences Research Journal, 47(3).
Griesdorn, T, Gutter, M., Cho. S., & Lawrence, F. (2019). Determinates of Homeownership: Testing the Behavioral Life-Cycle Hypothesis. Proceedings for the Academy of Business Research, 146.
Rabbani, A., Grable, J. E., Woodyard, A., & Yao, Z. (2019). Describing investor profiles: A test of the association among financial knowledge, confidence, and help and information sources. Financial Services Review, 27(3), 209-230.
Rabbani, A.G., Yao, Z., & Wang, C. (2019). Does personality predict risk tolerance of pre-retiree baby boomers? Journal of Behavioral and Experimental Finance, 23, 124-132.
Fan, L., & Chatterjee, S. (2019). Financial socialization, financial education, and student loan debt. Journal of Family and Economic Issues, (40)1, 74-85. doi:10.1007/s10834-018-9589-0.
Crawford, C., & Lawrence, F. (2018). Exceeding expectations: The synergy of personal finance and positive psychology to boost well-being in retirement planning. Proceedings of the Association for Financial Counseling and Planning Education.
Rabbani, A., O’Neill, B, Lawrence, F., & Grable, J. (2018). The investment risk tolerance assessment: A resource for extension educators. Journal of Extension, 56(7),
Rabbani, A. G., & Yao, Z. (2018). Association among financial risk tolerance and the personality traits of sensation-seeking, locus of control for pre-retiree baby boomers. In Danielle Winchester and Axton Betz-Hamilton (Ed.) (pp. 78–86). Proceedings of the Association for Financial Counseling and Planning Education Annual Conference.
Yao, R. & Meng, X. (2018). Credit card usage among college students in China. Journal of Financial Counseling and Planning, 29(2), 304-315.
Cheng, G., & Yao, R. (2018). How is student loan debt associated with homeownership and home equity? Consumer Interests Annual, 64.
Crawford, C., Lawrence, F. Herring, D. (2018). Retirement planning: Boosting wellbeing by combining financial and positive psychology research and best practices. Consumer Interests Annual, 64.
Huang, X., & Yao, R. (2018). American millennials’ investment risk tolerance. Consumer Interests Annual, 64.
Rabbani, A., Yao, Z., Wang, C., & Grable, J. (2018). Association between financial risk tolerance and locus of control, sensation seeking for pre-retiree baby boomers. Available at SSRN:
Xu, C., & Yao, R. (2018). Gender difference in stock ownership. Consumer Interests Annual, 64.
Xu, Y., & Yao, R. (2018). Financial decision power and household wealth: The role of personality and cognitive ability. Consumer Interests Annual, 64.
Yao, R., & Xu, C. (2018). Risk tolerance and portfolio allocation. Consumer Interests Annual, 64.
Fan, L., & Chatterjee, S. (2018). Application of situational stimuli for examining the effectiveness of financial education: A behavioral finance perspective. Journal of Behavioral and Experimental Finance, 17, 68-75, available at