Hyrum L. Smith, Ph.D., CFP, CPA 800 W. University Parkway 801-863-8473 (Office) Orem, UT 84058-5999 801-863-7218 (Fax) 540-808-3360 (Home) Email: hyrum.smith@uvu.edu EDUCATION Ph.D., Personal Financial Planning, Texas Tech University, May 2010 Dissertation: Three Essays on Financial Sophistication and Effective Decision Making. 2010 ACCI Robert O. Herrmann Ph.D. Dissertation Award MBA, University of Utah, August 2003 B.S., Accounting, Summa Cum Laude, Utah State University, May 2002 Minor: Portuguese PROFESSIONAL LICENCES/CERTIFICATIONS CANDIDATE FOR CHARTERED FINANCIAL ANALYST LEVEL II, passed CFA Level I exam CERTIFIED FINANCIAL PLANNER CERTIFIED PUBLIC ACCOUNTANT, currently licensed in the State of Idaho EMPLOYMENT Utah Valley University, Orem, UT. Personal Financial Planning. Assistant Professor Virginia Tech, Blacksburg, VA. Personal Financial Planning. Assistant Professor Texas Tech University, Lubbock, TX. Division of Personal Financial Planning Graduate Research/Teaching Assistant SUPERVALU (formerly Albertsons), Boise, ID. Treasury Department Senior Treasury Analyst KPMG, LLP, Boise, ID. Assurance/Tax Associate 2013-present 2009-2013 2007-2009 2005-2007 2003-2005
HONORS, AWARDS, FUNDING $10,000 students, $2,000 faculty, D.C. Trip. 2011-2012 National iome Challenge Winner. Advisor to students 30 page essay and video on Savings Solutions for Today s Generation. http://iomechallenge.org/past-challenges/ $100,000. Graduate Assistant Commodity Market Analysis External Funding. May 2013. Proposal with Jason Grant and Steve Blank for three years of graduate assistance funding for Masters student to help administer student commodity investment fund and perform commodity related research. 2010 Robert O. Herrmann Ph.D. Dissertation Award, American Council of Consumer Interests $10,000year. Helen DeVitt Jones Graduate Fellowship, $10,000/year, Fall 2007 to December 2009 $3,000/year. AT&T Chancellor s Graduate Fellowship, $3,000/year, Fall 2007 to December 2009 Summa Cum Laude Honors, Utah State University, Graduation May 2002 PUBLICATIONS AND CONFERENCE PRESENTATIONS Journal Publications: Griesdorn, T. and Smith, H. 2014. Does the visual display of probability change hypothetical stock selection? Journal of Personal Finance, 13(1), 38-51. Smith, H. and Griesdorn, T. Do Savings Rules Influence Self-Employed Households Participation in Tax-Deferred Retirement Plans? Family and Consumer Sciences Research Journal, accepted and forthcoming. Sybrowsky, J., Finke, M.S., and Smith, H. Trust: A Factor in Portfolio Composition. Journal of Financial Planning, accepted and forthcoming. Smith, H. 2013. Disability and Long-Term Retirement Security. Retirement Weekly of MarketWatch (The Wall Street Journal), May 3, 2013. Smith, H. 2013. Book Review: Mathematical Finance. Family and Consumer Sciences Research Journal, 41(3), 343-347. Smith, H., Finke, M.S., and Huston, S. 2012. The Influence of Financial Sophistication and Financial Planners on Roth IRA Ownership. Journal of Financial Services Professionals, 66(6), 1-13. Smith, H., Finke. M.S., and Huston, S. 2012. Financial Sophistication and Housing Leverage Among Older Households. Journal of Family and Economic Issues, 33(3), 315-327.
Huston, S., Finke, M.S., and Smith, H. 2012. A financial sophistication proxy for the Survey of Consumer Finances. Applied Economics Letters, 19(13), 1275-1278. Smith, H., Finke. M.S., and Huston, S. 2011. The impact of financial sophistication on adjustable rate mortgage ownership. Journal of Financial Counseling and Planning, 22(2), 3-15. Refereed Conference Proceedings: Smith, H., and Seay, M. 2014. Should I Prepay a Mortgage or Contribute to a Tax-Deferred Account? Texas Tech Personal Financial Planning Research and Development Symposium. Smith, H. 2013. Prepay or Defer: An Analysis of the Tradeoff Between Mortgage Prepayment and Tax-Deferred Retirement Savings. Consumer Interests Annual, 59. Smith, H., Dean, L., Sybrowsky, J. 2011. Factors associated with small business retirement plan ownership. Academy of Financial Services Proceedings. Smith, H. 2011.Who Benefits Most from 529 and Coverdell ESAs? Consumer Interests Annual, 57. Smith, H. and Finke, M. 2010. Does Financial Sophistication Impact the Effective Use of Back- Loaded IRAs? Academy of Financial Services Proceedings. Cummings, B.F. and Smith, H. 2010. Proposal for a Lead Federal Financial Services Regulator and State Regulation of Financial Planners. Consumer Interests Annual, 56. Smith, H. 2009. Who owns IRAs? Evidence from the 2004 Survey of Consumer Finances. Academy of Financial Services Proceedings. Invited Conference Papers and Presentations Smith, H., and Seay, M. 2014. Should I Prepay a Mortgage or Contribute to a Tax-Deferred Account? Utah Valley University Finance and Economics Seminar. Sybrowsky, J. and Smith, H. 2013. Trust: A Predictor of Portfolio Composition. 2013 Financial Planning Association Annual Conference. Smith, H. 2012. Household Factors Associated with Mortgage Prepayment and Tax-Deferred Retirement Savings. Presentation at Annual Academy of Financial Services conference. Cummings, B., Sybrowsky, S., Dean, L., and Smith, H. 2012. Hands On Financial Planning: Educating Beyond the Classroom. 2012 Financial Management Association Annual Conference.
Smith, H. 2012. Delivering Personal Financial Planning Education using a PC Tablet in the Classroom. 2012 CFP Registered Program Directors Conference. Sybrowsky, J., Mason, J., Dean, L., and Smith, H. 2012. Hands On Financial Planning: Educating Beyond the Classroom. 2012 CFP Registered Program Directors Conference. Dean, L., Sybrowsky, J., and Smith, H. 2011. How to create and develop a financial planning degree program in your business school. Financial Management Association Annual Conference. Sybrowsky, J., Lemoine, C., Dean, L. and Smith, H. 2010. Integrating financial planning software in the classroom. Financial Management Association Annual Conference. Smith, H., Huston, S., and Finke, M. 2009. Do taxes explain rising mortgage debt among older households? Poster presentation at Joint Agricultural & Applied Economics Association and American Council on Consumer Interests Annual conference. Smith, H., Huston, S., and Finke, M. 2008. Housing Leverage Among Older Households: Is it Something to Worry About? Paper Presentation at the Annual Academy of Financial Services conference. TEACHING AND ADVISING Courses Taught: Utah Valley University: FIN 3210 Retirement Planning and Employee Benefits, 3 credits, Fall 2013, Fall 2014 FIN 3220 Risk and Insurance, 3 credits, Spring 2013 FIN 4800 Personal Financial Planning Capstone, 3 credits, Fall 2014 FIN 1060 Personal Finance, 3 credits, Fall 2013, Spring 2014 Virginia Tech: AAEC 4104 Retirement Planning and Employee Benefits, 3 credits, Fall 2010, Fall 2011, Fall 2012 AAEC 3104 Financial Planning for Professionals,3 credits, Spring 2010- Spring 2013 AAEC 4984 Financial Planning Technology, 3 credits, Fall 2010- Spring 2013 Teaching/Advising Activities $500,000 Commodity Investing by Students (COINS) Investment Fund, Lead Faculty Advisor Lead a team of undergraduate students in delivering a successful proposal before the Virginia Tech Foundation in August 2012 to begin the Commodity Investing by Students (COINs) fund Fall 2012 to invest $500,000 of Foundation money in commodities.
$2,000 CIDER Competitive Grant, Virginia Tech, Using PC Tablets in the Classroom 2013 CFP Exam Subject Exam Expert, May 9-10, 2013 2012, 2011 and 2010 Financial Planning Association (FPA) Annual Meetings, Faculty Advisor 2011-2012 College Strategic Plan Working Group, Teaching Committee 2011 National Association of Personal Financial Advisors Annual Meeting, Faculty Advisor Urban Market Tour of Financial Planning Firms, April 8-9, 2010, Washington D.C., Faculty Advisor Graduate Student Advising Committee Chair for Matt Baker, Masters Candidate, Virginia Tech, Graduated May 2013. Topic: The Impact of Bankruptcy Exemptions for Retirement Assets. Committee Member for Ben Cummings, PhD Student, Texas Tech University, Graduated May 2013. Topic: Three Essays on the Use and Value of Financial Advice. Committee Member for Nick Carr, PhD Candidate, Kansas State, Graduated Fall 2013. Topic: Reassessing the Assessment: Exploring the Factors that Contribute to Comprehensive Financial Risk Evaluation SERVICE ACTIVITIES Outreach Volunteer Income Tax Assistant (VITA) Coordinator, Utah Valley University, Spring 2014 Supervised undergraduate students in preparation of tax returns for hundreds of low- to moderate- income households. Virginia Governor's High School Personal Finance Challenge Faculty advisor to undergraduate team that prepared personal finance case study for and served as judges in Governor's 2013 Personal Finance state-wide high school competition. Leadership Lecture Series, Southern Virginia University, November 28, 2012, "Key Personal Financial Planning Principles for Life," over 100 college students and faculty in attendance. The Stock Market Game, five presentations to elementary to H.S. students on stock evaluation Annual Governor s School for Agriculture. July 2012 and July 2010, "Financial Planning Jeopardy: Personal Finances for Entering College Students," 100 students each presentation
Cooper House Student Fellowship, April 5, 2011, "Managing Cash Flow and Finances in College," 15-20 students in attendance. Red to Black TM, Outreach Presenter and Client Partner, Texas Tech University, 2007 to 2009 Presented over 25 class sessions and advised 15 different clients, including low-income members of community, first generational, high school, and college students of all grades On-Campus Utah Valley University Investment and Benefits Committee, Committee Member Invited Presentations University College Success Strategies Classes, Spring 2010- Spring 2013. "Money Matters Presentation," 20-25 students. Presented in nine different classes over time period. Undergraduate Orientation Class, November 15, 2011, "Teaching and Research of Different Professors within the Department," 20-25 students Introduction to Personal Financial Planning class, February 26, 2010, "Credit Cards and Revolving Credit," 177 students enrolled Other Service Spring 2011, Fall 2010 University Commencement Exercises, Usher Volunteer Spring 2010 College Commencement Exercises, Usher Volunteer PROFESSIONAL SOCIETY MEMBERSHIPS Financial Planning Association (FPA) American Council on Consumer Interests (ACCI) Association for Financial Counseling and Planning (AFCPE) Association of Academy of Financial Services (AFS) Association Financial Management Association International (FMA) American Institute of Certified Public Accountants (AICPA)