Ronald A. Sages, Ph.D., AEP, CFP, CTFA, EA

Transcription

1 Updated 1/2015 Ronald A., Ph.D., AEP, CFP, CTFA, EA School of Family Studies and Human Services 21 Roberta Lane Kansas State University Greenwich, CT Justin Hall (203) x201 (w) Manhattan, KS (203) (c) Campus Work Education Ph.D. Kansas State University Family Studies and Human Services 2012 Emphasis: Personal Financial Planning Research Interests: Behavioral Finance, Financial Numeracy/Literacy and Risk Management MBA The University of Connecticut, Storrs, Connecticut 1979 Emphasis: Finance and Taxation BGS The Ohio University, Athens, Ohio 1973 Emphasis: Liberal Arts Experience Assistant Professor of Personal Financial Planning 2012 present School of Family Studies and Human Services, Kansas State University Instructor of Personal Financial Planning School of Family Studies and Human Services, Kansas State University Co-Founder, President and Chief Investment Officer Chapin Asset Management, Inc., Greenwich, Connecticut & Hilton Head Island, South Carolina present Wealth management and consulting firm catering to high net worth individuals and private fiduciaries; Registered Investment Advisor Representative President BT Private Clients Group, Inc. (wholly-owned subsidiary of Bankers Trust Company, now Deutsche Bank); Member, Board of Directors of BT PCG, Inc., New York, New York Vice President, Fiduciary Services Division

2 -2- Member of Personal Trust Investment Committee, Personal Trust Acceptance Committee, Discretionary Group, Special Assets Group and Fee Group. Vice President & Regional Manager, Lower Fairfield County Private Banking The Connecticut Bank and Trust Company, (now Bank of America), Hartford, Connecticut Vice President & Regional Manager, Lower Fairfield County Private Banking Vice President, Trust Sales and Marketing Honors, Awards, and Scholarships Outstanding Ph.D. Student of the Year, Kansas State University, College of Human Ecology, Family Studies and Human Services, Personal Financial Planning Department, 2012 Phi Kappa Phi Honor Society, Inducted at Kansas State, 2011 Kappa Omicron Nu Honor Society, Inducted at Kansas State, 2011 American Council on Consumer Interests, Recipient of Emerging Scholar Scholarship Award, 2011 Certifications 2013 Enrolled Agent 2012 Accredited Estate Planner TM 2011 Certified Financial Planner 1993 Series 65, Registered Investment Advisor Law Examination 1992 Certified Trust & Financial Advisor Designation (CTFA), with distinction (Institute of Certified Bankers) 1985 Northwestern University/American Bankers Association, National Graduate Trust School. Thesis Title: "International Financial and Estate Planning Techniques," Accepted: August, 1985.

3 -3- Publications Peer Reviewed Carr, N. A.,, R. A., Nabeshema, G., Fernatt, F., & Grable, J. E. (In Press). Running towards financial health: Testing the relationships among exercise, diet, cognitive-directed health behavior, and financial preparedness. Journal of Financial Counseling and Planning, 26(1)., R. A., Britt, S. L., & Cumbie, J. A. (2013). The correlation between anxiety and money management. College Student Journal, 47(1), Anderson, N. G., Fernatt, F., Rodermund, R.,, R. A., & Grable, J. E. (2012). Mama s boys and nature s girls: Explaining differences in risk attitudes between women and men. Global Journal of Human Social Sciences, 12(15), 1-11., R. A., & Grable, J. E. (2010). Financial numeracy, net worth, and financial management skills: Client characteristics that differ based on financial risk tolerance. Journal of Financial Service Professionals, 64(6), Publications Journal Articles, R. A., & Seay, M. C. (2014). The practical and potentially perilous pitfalls of portability. Journal of Financial Planning, 27(4), , R. A., & Britt, S. L. (2012). Introducing clients to financial therapy. Trusts and Estates, 151(3), , R. A. (1997). Industry professionals: Are you 2000 conversant? Trusts & Estates, 136(1), , R. A. (1996). ense and profitability. Trusts & Estates, 135(8), , R. A. (1996). Getting better is the alpha, there can be no omega! Trusts & Estates, 135(1), , R. A., & Keden, H. M. (1996). Supercharging popular wealth transfer planning vehicles. Trusts & Estates, 135(9), , R. A. (1995). Avoiding the tarpits; Paleontological survival, Trusts & Estates, 134(1), 26., R. A. (1994). Too busy to train, technically speaking?, Directions Newsletter, (The Center For Financial Services Research), 3 Reprinted (1994). ABA Management Update, 19.

4 -4-, R. A. (1994). The new prudent investor rule and the duty not to delegate. Trust and Financial Advisor, Reprinted (1995). Trusts & Estates, 134(5) Reprinted (1995). Trusts & Trustees and International Asset Management,1(7), , R. A., Keden, H. M., & Herritt, D. J. (1994). Watch out for taxes on IRAs!, Private Asset Management, Institutional Investor., R. A., Keden, H. M., & Herritt, D. J. (1994). Considerations in choosing a common investment alternative. Trusts & Estates, 133(3), , R. A., Keden, H. M., & Herritt, D. J. (1993). Business as anything but usual. Trusts & Estates, 132(9), Textbooks, R. A., Griesdorn, T., Archuleta, K. L., & Gudmunson, C. G. (2014). Assessment in financial therapy: Merging standard financial planning approaches with emerging financial therapy assessments. In B. Klontz, S. Britt, & K. Archuleta (Eds.), Financial therapy: Research, practice, and policy, New York: Springer. Grable, J. E., &, R. A. (2013). Financial Planning Process. In Certified Financial Planning Board of Standards (Eds.), The Financial Planning Competency Handbook, Hoboken: Wiley. Feldman, S., Groppelli, A. A., &, R. A. (1986). Bank Trust Departments. In F. J. Fabozzi & F. G. Zarb (Eds.), The Handbook of Financial Markets: Securities, Options, Futures (pp ). Homewood, IL: Dow Jones-Irwin. Reviewer 2013 Journal of Financial Planning review academic and practitioner manuscripts for publication in investments, risk management, personal trusts and transfer taxation Journal of Financial Therapy review manuscripts for publication in the field of behavioral finance. Grants Financial Therapy Graduate Certificate Program. Co-principal investigators: S. Britt, R.. Kansas State University Division of Continuing education, , $5,000

5 -5- Personal Financial Planning Graduate Certificate Program. Coprincipal investigators: A. Coulson, J. Grable, R.. Kansas State University Division of Continuing Education, , $19,500. Academic Presentations The PhD red zone: Completing the PhD degree and leveraging the degree postgraduation. Invited presentation at Kansas State University Personal Financial Planning Doctoral Students Program, What are the factors that affect graduates perceptions of CFP Board registered programs becoming certified? CFP Board Registered Programs Conference, 2014, J. W. Marriott, Washington, DC. Leveraging the benefits of an advisory board to supercharge CFP Board registered programs, 2014, J. W. Marriott, Washington, DC. Assessment Tools in Financial Therapy, Financial Therapy Association Annual Conference, 2014, The Inn at Opryland, Nashville, TN. A psychosocial profile as it relates to pre-retirement planning. American Council on Consumer Interests, 2013, The Benson Hotel, Portland, OR. Teaching and learning personal financial planning in an online environment. CFP Board Registered Programs Conference, 2013, Marriott Mayflower, Washington, DC. Self-verification, self-esteem, and retirement planning behaviors. Financial Therapy Association, 2013, Texas Tech University, Lubbock, TX. A psychosocial profile as it relates to pre-retirement planning. Financial Planning Association, 2013, Orlando Convention Center, Orlando, FL. The practical and potentially perilous pitfalls of portability. Financial Planning Association, 2013, Orlando Convention Center, Orlando, FL. Running towards financial health: Testing the relationships among exercise, diet, cognitive-directed health behavior, and financial preparedness (with Nicholas A. Carr, George Nabeshema, Fred Fernatt, and John E. Grable, Ph.D.). American Council on Consumer Interests, 2012, Marriott Downtown, Memphis, TN. A test of a theory of self-esteem: A consumer behavior perspective (with John E. Grable, Ph.D.). American Council on Consumer Interests, 2011, Hyatt Regency, Washington, D.C.

6 -6- The correlation between anxiety and money management (with Julie A. Cumbie, and Sonya L. Britt, Ph.D.). Financial Therapy Association, 2011, University of Georgia, Athens, GA. Mama s boys and nature s girls: Explaining differences in risk attitudes between women and men (with Narita Anderson, Fred Fernatt, Robert Rodermund, and John E. Grable, Ph.D.). Academy of Financial Services, Harrah s, 2011, Las Vegas, NV. Breaking the circle of problematic financial behavior: A test of self-esteem theory (with F. Webb, J. Grable, K. Schindler, and K. Archuleta). American Council on Consumer Interests, 2010, Federal Reserve Bank of Atlanta. Invited Presentations, R. A. (January 2015). Applied Behavioral Finance: How Well Do You Know Yourself? Invited presentation at the Fraternity of Phi Gamma Delta FIJI Academy Leadership Training Institute, DoubleTree Union Station, St. Louis, Missouri. Henegar, J.,, R.A., Schindler, K., Carr, N., Williams, S., Coffman, B., Cumbie, J., Cupples, W., Bell, M., Archuleta, K.L., & Grable, J. E. (May 2012). Financial planning in the U.S. Joo, S. (Moderator). Invited panel member at Korean Financial Planning, Seoul, South Korea. Carr, N., Henegar, J,, R. A., Williams, S., Coffman, B., Archuleta, K. L., Bell, M., Cumbie, J., Cupples, S., & Grable, J. E. (May 2012). Financial planning in the U.S. Joo, S. (Moderator). Invited panel member at Korean Financial Planning Standards Board and Korean Financial Planning Association Meeting, Seoul, South Korea., R. A. (May 2012). Self-Verification, Self-Esteem, and Retirement Planning Behaviors. Invited presentation at the Samsung Life Insurance Retirement Center, Seoul, South Korea. Teaching/Training/Speaking Experience 2012 (August) Financial Planning Day, Fort Riley, Manhattan, KS. Presentations on Estate Planning and one-on-one financial planning counselor, sponsored by the CFP Board of Standards and Kansas State University Kansas State University, Master s in Family Financial Planning, and Certificate Program in Personal Financial Planning Academic Programs

7 -7- FSHS 300/700: Financial Ethics and Mediation Fall out of 5.0 FSHS 300/700: Series 7 Preparation Course Fall 2014 FSHS 624: Fundamentals of Personal Financial Planning Spring 2012 Fall out of 5.0 FSHS 770: Applied Behavioral Finance Spring 2015, in development FSHS 760: Retirement Planning and Employee Benefits Spring out of 5.0 Spring out of 5.0 FSHS 762: Investments for Families Spring out of 5.0 Fall out of 5.0 Spring out of 5.0 FSHS 764: Estate Planning for Families Summer out of 5.0 Fall out of 5.0 FSHS 766: Insurance and Risk Management for Families Spring 2013 Fall 2012 Spring 2012 Fall out of 5.0 FSHS 772: Income Taxation for Families Summer out of 5.0 Spring out of 5.0 FSHS 836: Case Studies Capstone Course Fall out of 5.0 Summer out of 5.0 Spring out of 5.0 Fall out of 5.0 Spring out of 5.0

8 Present Annual speaker at various programs sponsored by Stamford CFA Society, Estate Planning Councils, Prudential Insurance on personal financial planning and wealth management techniques Speaker at multiple state-wide Bankers Association Trust & Investment Conferences (Michigan, Ohio, Pennsylvania, Texas) Taught at various in-house Trust Division Banking Organizations Instructor, National Graduate Trust School, National Trust School & Advanced Program for Trust Professionals sponsored by American Bankers Association/Northwestern University, Evanston, Illinois. Subjects Taught: Personal Trust Administration Advanced Personal Trust Administration Advanced Portfolio Management Discretionary Exercises (Administration, Tax Elections & Investments) Pecuniary & Fractional Shares in Estate & Trust Administration Document Interpretation (Wills & Trust Agreements) Distributions from Qualified Retirement Plans (Final Regulations) Graduate Student Advising Committee Member: Cametra Thompson Ph.D., Personal Financial Planning (Expected Completion: 2016) Outside Chair: Mohammad Ahmed Ph.D., Economics (Expected Completion: 2016) Academic Committees 2014 American Council on Consumer Interests (ACCI). Annual Conference Planning Committee 2011 Search Committee for two tenure-track positions in Personal Financial Planning, Family Studies & Human Services, College of Human Ecology, Kansas State University 2011 Present Curriculum Committee Personal Financial Planning distance-based

9 -9- curriculum, Family Studies & Human Services, College of Human Ecology, Kansas State University American Council on Consumer Interests (ACCI). Emerging Scholar Webinars. Media Activities The Wall Street Transcript (March 17, 2008). Interview: Customized portfolio management. The Wall Street Transcript (March 20, 2006). Interview: Trends in investing and money management. Professional and Service Activities 2013 present Editorial Review Board, Journal of Financial Planning 2012 present Editorial Review Board, Journal of Financial Therapy 2012 present Director of Housing, Fraternity of Phi Gamma Delta 2012 present Member, Investment Committee, Phi Gamma Delta Educational Foundation 2012 present Member, National Association of Estate Planning Councils 2011 present Member, CFP Board Registered Programs Faculty Group 2011 present Member, Financial Therapy Association 2009 present Member, The American Council on Consumer Interests (ACCI) Former Treasurer, Board of Directors (Archons), The International Fraternity of Phi Gamma Delta Former Chair & Member, Financial Advisory Board, Fraternity of Phi Gamma Delta 2001 present Member CFA Institute & Stamford (CT) CFA Society Past Founding Member, Editorial Advisory Board, Trusts & Investments Magazine (an American Bankers Association Publication) Former Director, Phi Gamma Delta Educational Foundation, Inc Past Member, Editorial Advisory Board, Trusts & Estates Magazine (an Intertec/K-3 Publication) Estate Planning Council of New York City (Past Member)

10 -10- Non-Attorney Past Member, Probate Section, Westport Bar Association Westport, Connecticut 1992 present Certified Trust and Financial Advisor (CTFA) Past Board Member, American Bankers Association National Trust/Graduate Trust School Program at Northwestern University The Connecticut Estate and Tax Planning Council, Inc. (Past Board Member & Past Member) 1977 present Estate Planning Council of Lower Fairfield County (Past President & Current Member) Expert Witness Testimony Testified as Expert Witness in 3 matters involving Prudent Man and Prudent Investor Rule Litigation (2 were Federal District Court for the Western District (Kansas); one Connecticut Superior Court Fairfield County, CT) Consulting 1997 Moore Special Forms (now Avery Dennison Corporation) Cleveland, Ohio on providing services to the personal trust/private banking profession Meridian Bank, Philadelphia, PA, Private Bank - technical training of line personnel on financial and wealth planning techniques LaSalle Bank (now Bank of America), Chicago, IL, Private Bank - technical training of line personnel, transfer tax law updates and planning techniques 1994 Institute of Canadian Bankers, Montreal, Quebec Establishing Personal Trust and Private Bank Educational Training Sessions 1994 First of America, Lansing, MI, Private Bank - technical training of line personnel, transfer taxes and planning techniques Bank of America, Los Angeles, CA. & San Francisco, CA. Personal Trust, Investment and Private Banking Groups, engaged to bring officers and staff into technical and procedural compliance with OCC-cited deficiencies