Journal of personal finance
It is the editorial policy of this Journal to only publish content that is original, exclusive, and not previously copyrighted.
The Journal of Personal Finance (ISSN 1540-6717) is published in the U.S.A. biannually in the months March and October by the International Association of Registered Financial Consultants (IARFC), P.O. Box 506, Middletown, OH 45042-0506.
The Journal of Personal Finance is distributed electronically to the IARFC membership at no extra charge. Printed copies :
Subscription requests should be addressed to:
IARFC Journal of Personal Finance
1046 Summit Drive, P.O. Box 506, Middletown, OH 45042, email@example.com, 1-800-532-9060
Subscription Rates, 1yr, 2 issues, add $15 for delivery outside the U.S.
Individual Subscription: Member $45, Non-Member $65, Institutional: $120, 3 copies, ea. issue, Single Copies: Member $25, Non-Members $35
The Journal of Personal Finance (ISSN 15406717) is published in the U.S. in the months of March and Octobers by the International Association of Registered Financial Consultants (IARFC).
Sarah Asebedo, Ph.D. Texas Tech
H. Stephen Bailey, MRFC, HB Financial Resources
David Blanchette, Ph.D., Monringstar
Benjamin F. Cummings, Ph.D., The American College
Dale L. Domian, Ph.D., CFA, CFP™, York University
Ric Edelman, Ric Edelman, Inc.
Michael S. Finke, Ph.D., CFP™, Texas Tech
John Grable, University of Georgia
Joseph W. Goetz, Ph.D., University of Georgia
Clinton Gudmunson, Ph.D., Iowa State University
Michale A. Guillemette, Ph.D., University of Missouri
Tao Guo, Ph.D, William Patterson University
Sherman Hanna, Ph.D., The Ohio State University
Douglas A. Hershey, Ph.D., Oklahoma State University
Michael Kitces, Pinnalce Advisory Group
Karen Eilers Lahey, Ph.D., The University of Akron
Douglas Lamdin, Ph.D., University of Maryland Baltimore County
Jean M. Lown, Ph.D., Utah State University
Lew Mandell, Ph.D., University of Washington
Carolyn McClanahan, MD, CFP™, Life Planning Partners
Yoko Mimura, Ph.D., California State University, Northridge
Robert W. Moreschi, Ph.D., RFC®, Virginia Military Institute
David Nanigian, Ph.D., Mihaylo College at CalState Fullerton
Barbara M. O'Neill, Ph.D., CFP™, CRPC, CHC, CFCS, AFCPE, Rutgers
Jeffrey H. Rattiner, CPA, CFP™, RFC®, JR Financial Group
Cliff Robb, Ph.D., Kansas State
Sandra Timmerman, Ed.D., Retirement Resource Center
Jing Jian Xioa, Ph.D., University of Rhode Island
Rui Yao, Ph.D., CFP™, University of Missouri
Yoonkyung Yuh, Ewha Womans University Seoul, Korea
Wade D. Pfau, Ph.D., CFA, RFC® - is a Professor of Retirement Income in the new Ph.D. program for Financial and Retirement Planning at The American College in Bryn Mawr, PA. Blog: Maximizing the Combined After-Tax Value of IRAs and Roth IRAs.
Walt Woerheide, Ph.D., ChFC®, CFP®, MRFC, has been at The American College for 14 years, and served as VP of Academics and Dean for 12 of those years. He holds the Frank Engle Distinguished Chair in Economic Security Research and is a Professor of Investments. Dr. Woerheide earned his Ph.D. and M.B.A. degrees from Washington University, and has a B.A. from Brown University.