Editorial Policy


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, editor@iarfc.org, 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). 

Associate Editors



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., CFPTexas 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

Co-Editors

Wade D. Pfau & Walt Woerheide


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.

Journal Editorial Board