Nathaniel J. Harness. Date Degree University Major Ph. D. Texas Tech University Personal Financial Planning

Transcription

1 209 Southview Dr. Royse City, TX Phone: Education Date Degree University Major 2007 Ph. D. Texas Tech University Personal Financial Planning 2004 Master of Science Texas Tech University Finance 2001 Bachelor of Arts University of Central Arkansas Finance Designations Certified Financial Planner CFP Awards, Fellowships Assistant Professor Research Award TAMUC Doctoral Graduate Part-Time Instructor Award McGarraugh Leadership Award Evensky and Katz Teaching Excellence Scholarship Jessie Bateman-Barns Narsutis Scholarship Henry Rawls Graduate Scholarship Academic Positions Held Date Company Position Texas A&M College Station Instructional Associate Professor of Financial Planning present Texas A&M Commerce Associate Professor of Finance present Texas A&M Commerce Interim Executive Director of Global Programs 2012 Texas A&M Commerce Coordinator of International Studies 2008 Texas A&M Commerce Assistant Professor of Finance University of Georgia Assistant Professor of Financial Planning Texas Tech University Teaching and Research Assistant 1

2 Fields of Interest Gender Differences in Retirement Preparation Financial Planning for the Middle Market Household Financial Heuristics and Wealth Accumulation Professional Organizations Financial Planning Association Financial Management Association Academy of Financial Services American Finance Association Published Research 1. Harness, N. H., Chatterjee, S., & Salter, J. (). Financial planning for the middle market. Journal of Financial Planning, 27(4), Harness, N. H., Edelman, D. & Loving, A.C. (2013). Estate Planning Opportunities in 2012 and Beyond. GSTF Business Review, 2(3), Chatterjee, S., Salter, J., Harness, N. (2012). Annuitization decisions of retirees: The role of risk aversion and financial advice. Review of Economic and Business Studies, 5(1) Loving, A.C., and Harness, N. (2012). Financial Planning for the Prince and the Pauper: A commentary on very different skill sets, tools, and time constraints. GSTF Business Review, 1(3) Loving, A.C., Harness, N. and Winchester D. (2012). Finishing School: Integrating sales skills and product knowledge into financial planning education. GSTF Business Review, 1(3) Salter, J., Harness, N., & Chatterjee, S. (2011). Value of financial advisors to retirees. Journal of Financial Services Professionals, 65(3), Chatterjee, S., Salter, J. and Harness, N. (2011) Retirement confidence: The role of financial advice and planning duration. Economics Bulletin, 31(1), Palmer, L., Goetz, J. & Harness, N. (2011). Raising consumers' awareness of savings opportunities: The saver's credit and tax season. The Journal of Consumer Education, 27, Chatterjee, S., Finke, M., & Harness, N. (2011). The impact of self-efficacy on wealth accumulation and portfolio choice. Applied Economics Letters, 18(7), Salter, J., Harness, N. & Chatterjee S. (2011 ). How retirees pay for current healthcare and future long-term care expenses. Journal of Financial Services Professionals, 65(1), Salter, J., Harness, N., Chatterjee, S. (2010). Utilization of financial professionals by affluent retirees. Financial Services Review, 19(3), Harness, N., Finke, M. & Chatterjee, S. (2010). Household Investment Variation and Wealth International Journal of Business and Finance Research, 4(2),

3 Published Research (cont.) 13. Chatterjee, S. & Harness, N. (2009). Participation in tax-advantaged retirement accounts: do U.S. government employees save more? Journal of Global Business Development, 1(1), Chatterjee, S. & Harness, N. (2009). Individual stockownership in the United States: Is there a native-immigrant gap in financial market participation? International Journal of Strategic Management, 9(1), Harness, N., Finke, M. & Chatterjee, S. (2009). Predictors of the capital accumulation ratio: 1994 to 2004 Journal of Financial Counseling and Planning, 20(1), Chatterjee, S., Finke, M., & Harness, N. (2009). Individual wealth management: Does selfesteem matter? Journal of Applied Business and Economics, 10(2), Harness, N, Chatterjee, S & Finke, M (2008). Personal financial ratio analysis: A review of literature, Journal of Personal Finance, 6(2), Research In Progress Harness, N., Chatterjee, S. & Salter, J. () Retirement preparedness of affluent retirees: A gender perspective. Target Financial Services Review Refereed Conference Proceedings Chatterjee, S. & Harness, N. (2009). Individual stockownership in the United States: Is there a native-immigrant gap in financial market participation? International Association of Business and Economics Conference, 2009, Thessaloniki, Greece Chatterjee, S., Finke, M. & Harness, N. (2009). Wealth creation: Does self-efficacy matter? ACCI-AAEA Joint Conference 2009, Milwaukee, WI. Harness, N. & Chatterjee, S. (2008). Participation in tax-advantaged retirement accounts: do U.S. government employees save more? The Global Business Development Institute Conference, 2008, Las Vegas, NV Chatterjee, S., Finke, M.S., and Harness, N.J. (2008). Household investment asset variation and wealth. Midwestern Finance Association Conference, 2008, San Antonio, TX Harness, N., Finke, M.S. and Chatterjee, S. (2008). Variation of the capital accumulation ratio and wealth. Consumer Interests Annual, 54. Orlando, FL Harness, N.J. & Finke, M.S. (2007). Have capital accumulation ratios increased? In D. Nitsch (Ed.), Consumer Interests Annual: Vol. 53. St. Louis, MO: American Council on Consumer Interests. Harness, N.J. (2005). Factors influencing expected Social Security dependency. Consumer Interests Annual, 51,

4 Roundtable Presentations Harness, N.J. (2013). Serving the needs of the mid-market. Texas A&M Financial Planning Workshop 2013, Bryan, Texas Harness, N.J., Chatterjee, S. & Salter, J. (2012). How does gender impact financial planning and retirement? Texas A&M Financial Planning Workshop 2012, Bryan, Texas Harness, N.J. (2006). Integration of personal financial planning curriculum into business colleges. Financial Management Association, Salt Lake City, UT Teaching Experience AGEC 489 (Financial Planning Capstone) - Undergraduate course that provides students with real world financial planning cases and a review of all modules within holistic financial planning. AGEC 489 (Retirement Planning) - Undergraduate course that covers both the qualitative and quantitative aspects of the retirement planning process. This course is designed to examine the topics of retirement plans from both the employer/employee and individual client settings. Course taught at Texas A&M, College Station AGEC 489 (Investment Planning) - Undergraduate course that applies investments to the financial planning process while taking into consideration client risk tolerance, goals, time horizons, and tax implications. Course taught at Texas A&M, College Station FIN 530 (Fundamentals of Financial Planning) - Graduate course designed to give students a comprehensive understanding of the financial planning process. FIN 429 (Financial Markets and Institutions) - Undergraduate course designed to prepare students for corporate financial markets and commercial banking. ECO 233 (Economics of Personal Finance) - Undergraduate college-wide elective course designed to help students become prepared for a financially challenging world and to introduce the concepts and methods of personal financial planning FIN 304 (Finance for Decision Makers) Undergraduate course designed to introduce basic corporate finance and business management. Course focuses on accounting, time value of money, financial leverage, financial forecasting, and modern financial theories. FIN 400 (Principles of Investments) Undergraduate course designed to introduce the basic principles of investments from both the personal and institutional perspective. FIN 404 (Advanced Financial Management) Undergraduate course designed to provided students with the knowledge specific to fundament financial management, cash budgeting, capital budgeting, and financial impact of alternative financing methods in both short and long term projects. FIN 501 (Finance for Decision Makers) - Graduate course focusing predominately on an intermediate comprehension of corporate finance and business management. 4

5 FIN 504 (Advanced Financial Management) - Graduate course covering advanced corporate evaluation. Topics include financial reporting, analysis, markets and regulations, and global financial and ethical topics. ACCT 577 (Investment Planning) - Graduate course covering general investment principles and how they apply to financial planning. ACCT 576 (Fundamentals of Financial Planning) - Graduate course covering the fundamentals of financial planning required to sit for the CFP designation. FIN 497/597 (International Finance) - Split level course taught during the summer in London at King s College. I have taught students in 2010, 2011, and 2012 in a 30 day study abroad program that covers international finance, corporate tax structure, and exchange rates. FIN 497/597 (Global Financial Crisis) - Split level course taught during the summer in China at the China University of Geosciences, Beijing. I taught a 10 day course on the global implications of the 2008 financial crisis during the summer of HACE 6205/4205 (Individual Investment Planning and Portfolio Management) - Graduate/ Undergraduate course focusing on the tools and techniques necessary to build a portfolio using both financial planning software and theories employed by the financial planning industry. Course taught at the University of Georgia HACE 6210/4210 (Retirement Planning) - Graduate/Undergraduate course designed to examine the topics of retirement planning and retirement plans using a case study approach. Course taught at the University of Georgia Program Development Certified Financial Planning Board Registered Certificate Program Director as director I maintained high enrollments which generate revenue for the college of business. Hired new professors into the program. I have brought in new faculty who are area specialists to teach classes within the program. Implemented teaching effectiveness and quality control program to eliminate poor teaching methods within the program. Registered program with CFP Board under annual renewal. Student retention and growth improved dramatically during my tenure. Developed two new advertising campaigns to increase organic growth. Both have shown effectiveness in drawing in new markets not yet captured. Rebranded the program with a new website and logo to help delineate us from other online programs. Certified Retirement Counselor Program Director as director I developed preliminary curriculum and started the first CRC education program in the country. The program is designed to provide both current students and new students the educational curriculum necessary to practice as retirement professionals. 5

6 Course Development Personal Financial Planning Elective (ECO 233) designed, attained approval, and implemented a college-wide course in personal financial planning. All students at TAMU-C now have an opportunity to learn about the basics of financial literacy and developing a long term financial plan once they graduate from college. Service Committees Chairperson of Faculty Development Committee charged with evaluating faculty development grants within the TAMU-C system and reporting recommendations to the Provost s Office Present University Strategic Planning Task Force Committee charged with developing a clear vision for the University for that will serve as a guide for strategies that the University can implement to achieve its stated mission and goals. Department of Economics and Finance Scholarship Committee determines criteria, eligibility and selects candidates for the William Carroll Adams Scholarship Endowment, Lester "Bill" Stone Endowment, and the Drs. Donald & Marcia Hakala Endowment International Scholarship Committee determines eligibility and selects candidates for scholarship in accordance with international scholarship guidelines William L Mayo Speakers Committee charged with arranging and acquiring professional speakers for the University body at large Gillman Scholarship Committee advises students on eligibility and serves as advisor for international scholarships from Bejamin A. Gilman Scholarship funds CBE Textbook Committee charged with finding affordable alternatives for materials for our students. Committee explored several appropriate methods to reduce textbook costs for students while remaining within both the spirit and the letter of the university agreement with our bookstore Korean Initiative Committee charged with managing enrollment for Korean students and maintaining good standings with Konkuk University TAMU Organization of the Faculty Senate Committee consider proposals relating to changes in the Constitution, Bylaws, or Rules of the Senate, or proposals for measures which will improve the operations and procedures of the Senate at TAMU Commerce Texas Tech PFP Alumni Board Member charged with development of alumni relations and growth of financial planning foundation at Texas Tech Chairperson of Student Grade Appeal Committee charged with determining the validity of a student grade appeal

7 President's MOOC taskforce charged with determining the viability of offering MOOC education at the University. Offered opinions and expertise to help in determining an appropriate vendor TAMU Commerce Faculty Credentialing Committee charged with evaluating faculty credentials in accordance with SACS accreditation TAMU Commerce Preferred Food Services Vendor Board charged with evaluating current food service vendor agreement and recommending potential contract changes TAMU Commerce Preferred Beverage Vendor Board charged with evaluating current beverage vendor agreement and recommending potential contract changes Internal Representative Graduate Council Representative for Dissertation Proposal entitled Perceptions of an Induction Program From Beginning Teachers and Teacher Mentors in an Urban School District Spring 2013 Director for Honors Thesis Paper Entitled The Impact of Beauty Premium on Income Across Time by Britney Stevens, Spring 2013 Independent Study Director for Paper entitled Keeping up With the Jones Finances: Finding a Fair and Equitable Pricing Structure for Financial Planning and Asset Management Services for Middle America by Daniel Cazac, Fall 2011 Director for Highest Honors Thesis Paper Entitled Technical Analysis Applied To The Different Sectors Of The U.S. Stock Market by Borge Klungerbo, Spring 2011 Independent Study Director for Paper entitled Portfolio Structuring: A Technique Using Fundamental Analysis by David Wayaki, Spring 2011 Graduate Council Representative for Dissertation Proposal entitled The Impact of Reggio- Inspired Professional Learning Community on a Newly Implemented Two-Way Immersion Program August 2009 External Representative Served on the CFP Board Job analysis work group to obtain/update descriptive information about the tasks performed by CFP professionals and identify the essential knowledge and skills needed to competently perform those tasks. This information will serve as a starting point in updating the new CFP Exam content outline, Washington, D.C., Served as a subject matter expert (SME) for the Certified Financial Planner Council on Examinations, conducting a final review of exam items drafted for the March exam administration, Washington, D.C., Served as a subject matter expert (SME) for the Certified Financial Planner Council on Examinations, contributing to the development of new examination questions and review of content for the CFP Certification Examination, Prometric Netmeet,

8 Served as a subject matter expert (SME) for the Certified Financial Planner Council on Examinations, conducting a final review of exam items drafted for the March 2013 exam administration, Washington, D.C., 2013 Served as a subject matter expert (SME) for the Certified Financial Planner Council on Examinations, contributing to the development of examination questions for the CFP Certification Examination, Lubbock, 2012 Served as a Texas A&M Commerce faculty representative at the Texas A&M Board of Regents meeting, Kingsville, 2012 Committee Member for Dissertation entitled Three Essays on Annuities and Annuitization. by Craig Lemoine. Summer 2013 Committee Member for Dissertation entitled Three Essays on Distribution Planning and Asset Management Strategies. by Shaun Pfeiffer. Spring 2012 Committee Member for Dissertation entitled Three Essays on Registered Investment Advisers in the United States. by Lukas Ray Dean. Summer 2011 Committee Member for Dissertation entitled Three Essays on the Relationship Between Wealth Transfers and Subsequent Wealth. by Jacob Sybrowsky. Fall 2011 Publication Reviews Financial Therapy Association (2012) Reviewed articles submitted for presentation at the 2012 Annual meeting. Journal of Financial Counseling and Planning Education. (2011). Reviewed article submitted for publication. Academy of Financial Services. (2007). Reviewed articles submitted for presentation at 2007 Annual meeting. Recent Professional Service Presentations Harness, N. (). Using Camtasia in the Classroom. Invited speaker at Professional Development Day, TAMU-C, Commerce, TX Harness, N. (2013). Global Programs. Invited speaker at new faculty orientation, TAMU-C, Commerce, TX Harness, N. (2013). MOOCs: For-Credit or Non-Credit?. Invited roundtable facilitator at the Education 360 Mini-Symposium, TAMU-C, Commerce, Texas Harness, N. (2013). Building a Financial Planning Program. Invited panel presentation at Financial Planning Week, Texas Tech University, Lubbock, Texas. Harness, N. (2013). You Graduated What is Next?. Invited presentation to Beta Alpha Psi, TAMU-C, Commerce, Texas. Harness, N. (2013). How To Get Rich After College. Invited presentation to New Pride residents, TAMU-C, Commerce, Texas. 8

9 Harness, N. (2013) Past and Present. Invited presentation to the Scholars Lecture Series, Southwestern Adventist University, Keene, Texas. Harness, N. (2012). What s Next: How to Grow Your Network and Get a Job After College. Invited presentation as part of the Honors Symposium, TAMU-C, Commerce, Texas. Harness, N. (2012). Managing Your Limited Budget. Invited presentation to college freshman, TAMU-C, Commerce, Texas. Harness, N. & Loving, A. (2012). Personal Money Management. Invited presentation as part of the RA Spring training breakouts, TAMU-C, Commerce, Texas. Harness, N. & Loving, A. (2011). Creating Good Credit. Invited presentation as part of the Wellness Lecture Series, TAMU-C, Commerce, Texas Harness, N. & Pickens, J. (2011). Building a Budget. Invited presentation as part of the Wellness Lecture Series, TAMU-C, Commerce, Texas. Harness, N. & Pickens, J. (2010). What is Financial Literacy? Invited presentation as part of Freshmen Success, TAMU-C, Commerce, Texas. 9