Michael Finke, PhD, CFP® – Retirement Investing Expert

Michael Finke, PhD, CFP® – Retirement Investing Expert

Michael Finke, PhD, CFP® – Retirement Investing Expert

Passion/expertise:   Michael is a Professor at Texas Tech University who is passionate about helping individuals make better investment decisions.

Experience: PhD in finance from the University of Missouri and PhD in consumer science from the Ohio State University. Assistant/associate professor at University of Missouri from 1999 through 2006, associate professor at Texas Tech 2006-present.


  • Behavioral personal finance
  • Retirement income planning
  • Risk tolerance assessment
  • Aggregate trends in household portfolio allocation.


  • 2011 Academic Thought Leadership Award, Retirement Management Journal
  • 2010 Winner, iOMe National Retirement Challenge, Faculty Advisor
  • 2010 Best Paper Award, Academy of Financial Services
  • 2009 Best Paper Award, Academy of Financial Services
  • 2008 Best Paper Award, Academy of Financial Services
  • 2008 Texas Tech Human Sciences distinguished research award
  • 2007 Teacher of the Year Award, Texas Tech Personal Financial Planning Association
  • 2006 Association for Financial Counseling and Planning Education outstanding journal article award
  • 2005 ACCI Certified Financial Planner® board financial planning research award
  • 2004 distinguished award in teaching from Gamma Sigma Delta.

Recent Publications:

  • Guillemette, M.A., Finke, M.S. and Gilliam, J. 2012.  Risk tolerance questions to best determine client portfolio allocation preferences, Journal of Financial Planning.
  • Loving, A.C., Finke, M.S. and Salter, J.R. 2012. Does home equity explain the black wealth gap?  Journal of Housing and the Built Environment.
  • Finke, M.S., Pfau, W. and Williams, D. 2012.  Spending flexibility and safe withdrawal rates, Journal of Financial Planning.
  • Hanna, S., Guillemette, M. and Finke, M.S.  2012.  Assessing risk tolerance.  In H. Kent Baker and Greg Filbeck (Eds.) Portfolio Theory and Management, Oxford University Press.
  • Williams, D. and Finke, M.S. 2011. Determining optimal withdrawal rates: An economic approach, Retirement Management Journal.
  • Winchester, D., Huston, S.J. and Finke, M.S. 2011. Investor Prudence and the Role of Financial Advice, Journal of Financial Services Professionals.
  • Finke, M.S., Huston, S.J. and Winchester, D. 2011. Financial advice: Who pays? Financial Counseling and Planning.

Posted in: PLAN for Retirement Readiness, PROVIDE Retirement Income, Retirement Distributions, Retirement Spending

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