Sherman D. Hanna

Ohio State University (OSU)

1787 Neil Avenue

Campbell 265D

Columbus, OH 43210

United States

SCHOLARLY PAPERS

84

DOWNLOADS
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Top 2,091

in Total Papers Downloads

17,126

SSRN CITATIONS
Rank 2,931

SSRN RANKINGS

Top 2,931

in Total Papers Citations

74

CROSSREF CITATIONS

349

Scholarly Papers (84)

1.

Does Risk Tolerance Decrease with Age?

Financial Counseling and Planning, Vol. 8, Issue 2
Number of pages: 6 Posted: 15 Jun 1998 Last Revised: 19 Jul 2011
Hui Wang and Sherman D. Hanna
Wells Fargo Bank and Ohio State University (OSU)
Downloads 2,359 (6,346)
Citation 19

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2.

The Concept of Risk Tolerance in Personal Financial Planning

Hanna, S. D., Waller, W., & Finke, M. (2008). The concept of risk tolerance in personal financial planning. Journal of Personal Finance, 7 (1), 96-108.
Number of pages: 19 Posted: 08 Sep 2011 Last Revised: 14 Jun 2015
Sherman D. Hanna, William Waller and Michael S. Finke
Ohio State University (OSU), Tulane University - Finance & Economics and The American College
Downloads 1,408 (14,708)
Citation 13

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risk tolerance, financial planning, household finance

3.

Financial Literacy and Education Research Priorities

Journal of Financial Counseling and Planning, Vol. 20, No. 1, 2009
Number of pages: 12 Posted: 27 Feb 2013
National Institute of Food and Agriculture, Ohio State University (OSU), Iowa State University - Department of Human Development and Family Studies, University of Illinois at Urbana-Champaign, University of Georgia and University of Rhode Island
Downloads 1,306 (16,517)

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financial education, financial literacy, financial research priorities

4.

Subjective and Objective Risk Tolerance: Implications for Optimal Portfolios

Number of pages: 10 Posted: 15 Jun 1998
Sherman D. Hanna and Peng Chen
Ohio State University (OSU) and Ibbotson Associates
Downloads 1,223 (18,221)
Citation 15

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5.

The Financial Risk Tolerance of Blacks, Hispanics and Whites

Financial Counseling and Planning, Vol. 16, No. 1, pp. 51-62, 2005
Number of pages: 12 Posted: 13 May 2005 Last Revised: 09 May 2017
Rui Yao, Michael S. Gutter and Sherman D. Hanna
University of Missouri, University of Wisconsin - Madison - School of Human Ecology and Ohio State University (OSU)
Downloads 792 (34,163)
Citation 1

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Financial risk tolerance, Investing, Risk aversion, Race, Ethnicity, Hispanics, Blacks, African-Americans, Preferences, Survey of Consumer

6.

Savings Goals and Saving Behavior from a Perspective of Maslow's Hierarchy of Needs

Journal of Financial Counseling and Planning, Vol. 26, No. 2, 2015
Number of pages: 20 Posted: 06 Apr 2015 Last Revised: 01 Jul 2017
Jae Min Lee and Sherman D. Hanna
Minnesota State University, Mankato and Ohio State University (OSU)
Downloads 777 (35,067)

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Goal setting; Maslow hierarchy; Saving goal; Saving motive; Survey of Consumer Finances

7.

Quantifying the Economic Benefits of Personal Financial Planning

Financial Services Review, Vol. 19, No. 2, 2010
Number of pages: 18 Posted: 18 Jul 2011 Last Revised: 24 Feb 2013
Sherman D. Hanna and Suzanne Lindamood
Ohio State University (OSU) and Independent
Downloads 773 (35,319)
Citation 1

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personal financial planning, household finance, intertemporal choice, portfolio allocation, risk tolerance

8.

The Effect of Self-Control Mechanisms on Household Saving Behavior

Journal of Financial Counseling and Planning, Vol. 17, No. 2, 2006
Number of pages: 14 Posted: 12 Mar 2013
Seoul National University - Department of Consumer Studies, Ohio State University (OSU) - Department of Human Sciences and Ohio State University (OSU)
Downloads 644 (45,197)
Citation 1

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behavioral life cycle hypothesis, life cycle hypothesis, saving behavior, self-control, Survey of Consumer Finances

9.

Changes in Financial Risk Tolerance, 1983-2001

Number of pages: 20 Posted: 10 May 2005
Rui Yao, Sherman D. Hanna and Suzanne Lindamood
University of Missouri, Ohio State University (OSU) and Independent
Downloads 588 (50,913)
Citation 1

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Individual investing, economic trends, risk tolerance, stock ownership, Survey of Consumer Finances

10.

Do U.S. Households Perceive Their Retirement Preparedness Realistically?

Financial Services Review, 24, 139-155
Number of pages: 29 Posted: 18 Feb 2015 Last Revised: 26 Jun 2015
Kyoung Tae Kim and Sherman D. Hanna
University of Alabama and Ohio State University (OSU)
Downloads 565 (53,509)

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Retirement assessment; Retirement adequacy; Cognitive ability; Survey of Consumer Finances (SCF); Financial education

11.

The Demand for Financial Planning Services

Journal of Personal Finance, Vol. 10, No. 1, pp. 36-62, 2011
Number of pages: 27 Posted: 10 Nov 2011
Sherman D. Hanna
Ohio State University (OSU)
Downloads 460 (69,211)
Citation 1

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financial planning, risk tolerance,racial/ethnic differences

12.
Downloads 395 ( 42,186)

Factors Related to Risk Tolerance

Financial Counseling and Planning, Vol. 7, 1996
Number of pages: 9 Posted: 16 Apr 1997 Last Revised: 19 Jan 2019
Jaimie Sung and Sherman D. Hanna
Ewha Womans University and Ohio State University (OSU)
Downloads 395 (82,165)
Citation 3

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Factors Related to Risk Tolerance

Financial Counseling and Planning, Vol. 7, 1996
Posted: 01 Feb 1997 Last Revised: 19 Jul 2011
Jaimie Sung and Sherman D. Hanna
Korea University of Technology & Education (KUT) and Ohio State University (OSU)

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The Financial Risk Tolerance of Blacks, Hispanics and Whites

Yao, R., Gutter, M. S. & Hanna, S. D. (2005). The financial risk tolerance of Blacks, Hispanics and Whites. Journal of Financial Counseling and Planning, 16(1), 51-62.
Number of pages: 12 Posted: 01 Mar 2016
Rui Yao, Michael S. Gutter and Sherman D. Hanna
University of Missouri at Columbia - Department of Personal Finance Planning, University of Wisconsin - Madison - School of Human Ecology and Ohio State University (OSU)
Downloads 175 (190,823)
Citation 2

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Financial Risk tolerance; Race; Ethnicity; Preferences; Survey of Consumer Finances

The Financial Risk Tolerance of Blacks, Hispanics and Whites

Journal of Financial Counseling and Planning, Vol. 16, No. 1, 2005
Number of pages: 12 Posted: 23 Apr 2013
Rui Yao, Michael S. Gutter and Sherman D. Hanna
University of Missouri at Columbia - Department of Personal Finance Planning, University of Wisconsin - Madison - School of Human Ecology and Ohio State University (OSU)
Downloads 175 (191,815)
Citation 2

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Financial Risk tolerance, Race, Ethnicity, Preferences, Survey of Consumer Finances

Efficient Portfolios for Saving for College

Number of pages: 8 Posted: 01 Feb 1997
Sherman D. Hanna and Peng Chen
Ohio State University (OSU) and Ibbotson Associates
Downloads 332 (100,884)
Citation 3

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Efficient Portfolios for Saving for College

Posted: 20 Mar 1998
Sherman D. Hanna and Peng Chen
Ohio State University (OSU) and Ibbotson Associates

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15.

Behind the Numbers: Understanding the Survey of Consumer Finances

Journal of Financial Counseling and Planning, Forthcoming
Number of pages: 15 Posted: 27 Jun 2018
Sherman D. Hanna, Kyoung Tae Kim and Suzanne Lindamood
Ohio State University (OSU), University of Alabama and Independent
Downloads 328 (103,266)
Citation 2

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Complex Survey Design, Multiple Imputation, Replicate Weights, Statistical Analysis, Survey of Consumer Finances, Survey Research

16.

An Improved Measure of Risk Aversion

Journal of Financial Counseling and Planning, Vol. 15, No. 2, pp. 27-45, 2004
Number of pages: 19 Posted: 23 Apr 2013
Sherman D. Hanna and Suzanne Lindamood
Ohio State University (OSU) and Independent
Downloads 319 (106,209)
Citation 1

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Investments, Risk tolerance, Risk aversion

17.

The Influence of Saving Objectives on Saving: First Response Versus Any Response for Objectives

Number of pages: 33 Posted: 24 Jul 2012 Last Revised: 15 Jan 2014
Jae Min Lee and Sherman D. Hanna
Minnesota State University, Mankato and Ohio State University (OSU)
Downloads 313 (108,012)

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saving, saving objective, saving goal, goal setting, Survey of Consumer Finances, Maslow hierarchy, first choice, combined choice

18.

Are Americans Prepared for Retirement?

Financial Counseling and Planning, Vol. 9, No. 1, 1998
Number of pages: 13 Posted: 04 Nov 1998 Last Revised: 19 Jul 2011
Ewha Womans University, Ohio State University (OSU) - Department of Human Sciences and Ohio State University (OSU)
Downloads 284 (119,844)

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Retirement Adequacy, Survey of Consumer Finances

19.

Changes in Financial Risk Tolerance, 1983-2001

Yao, R., Hanna, S. D. & Lindamood, S. (2004). Changes in financial risk tolerance, 1983-2001. Financial Services Review, 13(4), 249-266.
Number of pages: 20 Posted: 03 Mar 2016
Rui Yao, Sherman D. Hanna and Suzanne Lindamood
University of Missouri at Columbia - Department of Personal Finance Planning, Ohio State University (OSU) and Independent
Downloads 277 (123,446)
Citation 4

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individual investing, economic trends, risk tolerance, stock ownership, Survey of Consumer Finances

20.

Do Self-Control Measures Affect Saving Behavior?

Kim, G. J. & Hanna, S. D. (2017). Do self-control measures affect saving behavior? Journal of Personal Finance, Forthcoming
Number of pages: 20 Posted: 17 Jul 2017
Gui Jeong Kim and Sherman D. Hanna
Ohio State University (OSU) - College of Education and Human Ecology and Ohio State University (OSU)
Downloads 274 (124,437)

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behavioral life cycle hypothesis, saving behavior, saving goals, saving rules, self-control, Survey of Consumer Finances

21.

Individual and Institutional Factors Related to Low-Income Household Saving Behavior

Journal of Financial Counseling and Planning, Vol. 26, No. 2, 2015
Number of pages: 7 Posted: 06 Apr 2015 Last Revised: 01 Jul 2017
Stuart Heckman and Sherman D. Hanna
Kansas State University and Ohio State University (OSU)
Downloads 218 (156,136)

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consumer policy, institutions, low-income households, poverty, saving behavior, Survey of Consumer Finances

22.

Consideration of Retirement Income Stages in Planning for Retirement

Journal of Personal Finance, 13(1), 52-64, 2014
Number of pages: 13 Posted: 20 Mar 2014
Kyoung Tae Kim, Sherman D. Hanna and Samual Chen
University of Alabama, Ohio State University (OSU) and Sun Trust Banks
Downloads 194 (174,118)

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retirement adequacy, personal finance, labor force

23.

Does Financial Sophistication Matter in Retirement Preparedness?

Journal of Personal Finance, 14 (2), 9-20, 2015
Number of pages: 12 Posted: 30 Aug 2015 Last Revised: 08 Oct 2015
Kyoung Tae Kim and Sherman D. Hanna
University of Alabama and Ohio State University (OSU)
Downloads 163 (202,792)

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Financial Sophistication, Retirement Adequacy, 2010 Survey of Consumer Finances (SCF)

24.

The Risk Tolerance and Stock Ownership of Business Owning Households

Journal of Financial Counseling and Planning, Vol. 18, No. 2, 2007
Number of pages: 16 Posted: 04 Mar 2013
Wang Cong and Sherman D. Hanna
Ohio State University (OSU) and Ohio State University (OSU)
Downloads 130 (243,671)
Citation 1

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business management, business ownership, risk tolerance, stock ownership, Survey of Consumer Finances

The Capital Accumulation Ratio as an Indicator of Retirement Adequacy

Yao, R., Hanna, S. D., & Montalto, C. P. (2003). The capital accumulation ratio as an indicator of retirement adequacy. Journal of Financial Counseling and Planning, 14(2), 1-11.
Number of pages: 11 Posted: 03 Mar 2016
Rui Yao, Sherman D. Hanna and Catherine Phillips Montalto
University of Missouri at Columbia - Department of Personal Finance Planning, Ohio State University (OSU) and Ohio State University (OSU) - Department of Human Sciences
Downloads 61 (396,911)

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Retirement adequacy, Financial ratios, Capital accumulation ratio, Investments, Survey of Consumer Finances

The Capital Accumulation Ratio as an Indicator of Retirement Adequacy

Journal of Financial Counseling and Planning, Vol. 14, No. 2, 2003
Number of pages: 11 Posted: 04 May 2013
Rui Yao, Sherman D. Hanna and Catherine Phillips Montalto
University of Missouri at Columbia - Department of Personal Finance Planning, Ohio State University (OSU) and Ohio State University (OSU) - Department of Human Sciences
Downloads 58 (407,186)

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Retirement adequacy, Financial ratios, Capital accumulation ratio, Investments, Survey of Consumer Finances

26.

Consumer Optimism and Saving Behavior

Lim, H.N., Hanna, S. D., & Montalto, C.M. (2011). Consumer optimism and saving behavior. Proceedings of the Academy of Financial Services.
Number of pages: 22 Posted: 26 Jun 2015
HanNa Lim, Sherman D. Hanna and Catherine Phillips Montalto
Samsung Life Insurance - Retirement Research Center, Ohio State University (OSU) and Ohio State University (OSU)
Downloads 115 (266,943)

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behavioral life cycle hypothesis, life cycle hypothesis, saving behavior, self-control, Survey of Consumer Finances, optimism

27.

Negative Net Worth and the Life Cycle Hypothesis

Number of pages: 17 Posted: 24 Jul 2012 Last Revised: 18 Nov 2012
Travis Mountain and Sherman D. Hanna
Agricultural and Applied Economics and Ohio State University (OSU)
Downloads 115 (266,943)
Citation 1

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Life cycle hypothesis, net worth, Survey of Consumer Finances

28.

Financial Planning Horizon: A Measure of Time Preference or a Situational Factor?

Journal of Financial Counseling and Planning, Vol. 25, No. 2, 2014, 184-196.
Number of pages: 13 Posted: 07 Dec 2014
Eunice Hong and Sherman D. Hanna
Korean Women’s Development Institute and Ohio State University (OSU)
Downloads 111 (273,755)

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planning horizon, saving horizon, Survey of Consumer Finances, time preference

Racial/Ethnic Differences in High Return Investment Ownership: A Decomposition Analysis

Journal of Financial Counseling and Planning, Vol. 21, No. 2, pp. 44-59, 2010
Number of pages: 16 Posted: 19 Jul 2011
Sherman D. Hanna, Cong Wang and Yoonkyung Yuh
Ohio State University (OSU), Convergys Corporation and Ewha Womans University
Downloads 91 (314,979)

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decomposition analysis, individual investing, portfolio allocation, racial/ethnic differences

Racial/Ethnic Differences in High Return Investment Ownership: A Decomposition Analysis

Journal of Financial Counseling and Planning, Vol. 21, No. 2, 2010
Number of pages: 16 Posted: 19 Feb 2013
Sherman D. Hanna, Cong Wang and Yoonkyung Yuh
Ohio State University (OSU), Branch Banking and Trust Corporate (BB&T) and Ewha Womans University
Downloads 14 (640,529)
Citation 1

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decomposition analysis, individual investing, portfolio allocation, racial/ethnic differences, Survey of Consumer Finances

30.

The Relation between Internet Use and Financial Planner Use for Savings and Investment Decisions

Son, J. & Hanna, S. D. (2011), The relation between internet use and financial planner use for savings and investment decisions, Proceedings of the Academy of Financial Services
Number of pages: 13 Posted: 12 Aug 2012
Jiyeon Son and Sherman D. Hanna
Consumer Sciences Department, Ohio State University and Ohio State University (OSU)
Downloads 99 (296,007)

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Personal financial planning, Household finance, Internet use

31.

Does Financial Sophistication Matter in Retirement Preparedness of U.S. Households? Evidence from the 2010 Survey of Consumer Finances

Consumer Interests Annual, Volume 59, 2013
Number of pages: 4 Posted: 10 Jul 2013
Kyoung Tae Kim and Sherman D. Hanna
University of Alabama and Ohio State University (OSU)
Downloads 90 (314,562)

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Financial Sophistication, Retirement Adequacy, 2010 Survey of Consumer Finances (SCF)

32.

The Impact of the Stock Market Crash of 2008-2009 on the Wealth of U.S. Households

Journal of Financial Planning, 29 (2), 52-58
Number of pages: 25 Posted: 12 Jan 2016 Last Revised: 09 Jul 2019
Kyoung Tae Kim and Sherman D. Hanna
University of Alabama and Ohio State University (OSU)
Downloads 87 (321,388)

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Stock market crash, Total wealth, Wealth shock

33.

Risk Aversion and the Elasticity of Marginal Utility with Respect to Consumption

Consumer Interests Annual, v. 49, 2003
Number of pages: 13 Posted: 24 Jun 2015
Sherman D. Hanna, Michael Gutter and Patti J. Fisher
Ohio State University (OSU), University of Florida - Department of Family, Youth, and Community Sciences and Virginia Polytechnic Institute & State University - Consumer Studies
Downloads 81 (335,638)

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risk aversion, risk tolerance, intertemporal elasticity, saving, financial planning, life cycle savings, expected utility

34.

Factors Related to the Financial Vulnerability of Small Business Owner-Manager Households

Journal of Personal Finance, 11(1), 49-77, 2012
Number of pages: 29 Posted: 02 Sep 2012
HoJun Ji and Sherman D. Hanna
Consumer Sciences Department, Ohio State University and Ohio State University (OSU)
Downloads 80 (338,038)

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Financial vulnerability, Small business households, Survey of consumer finances, Risk tolerance,Diversification, Household Portfolios

35.

The Decrease in Life Insurance Ownership: Implications for Financial Planning

Kim, K.T, Mountain, T.P., Hanna, S.D., & Kim, N. (2019). The decrease in life insurance ownership: Implications for financial planning. Financial Services Review, Forthcoming
Number of pages: 32 Posted: 23 Jul 2019 Last Revised: 17 Oct 2019
Kyoung Tae Kim, Travis Mountain, Sherman D. Hanna and Namhoon Kim
University of Alabama, Agricultural and Applied Economics, Ohio State University (OSU) and Korea Rural Economic Institute
Downloads 78 (343,128)

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Life insurance, Declining insurance demand, Survey of Consumer Finances

36.

Treatment of Inflation in Retirement Planning Calculations: An Improved Method

Hanna, S. D., & Kim, K. T. (2017). Treatment of inflation in retirement planning calculations: An improved method. Journal of Financial Planning, 30 (1), 44-53..
Number of pages: 32 Posted: 26 Sep 2016 Last Revised: 03 Jan 2017
Sherman D. Hanna and Kyoung Tae Kim
Ohio State University (OSU) and University of Alabama
Downloads 75 (350,978)

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retirement planning, inflation, investment returns

37.

Emergency Fund Levels: Is Household Behavior Rational?

FINANCIAL COUNSELING AND PLANNING, 1997
Number of pages: 10 Posted: 08 Sep 1997 Last Revised: 07 Mar 2019
Y. Regina Chang, Sherman D. Hanna and Jessie X. Fan
University of Missouri at Columbia - College of Human Environmental Sciences - Department of Consumer & Family Economics, Ohio State University (OSU) and University of Utah
Downloads 73 (356,394)

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38.

Household Ratio Guidelines for the Amount of Investments

Hanna, S. D., & Kim, K. T. (2016). Household ratio guidelines for the amount of investments. Financial Services Review, 25 (3), 263-277.
Number of pages: 25 Posted: 20 Aug 2016 Last Revised: 02 Dec 2016
Sherman D. Hanna and Kyoung Tae Kim
Ohio State University (OSU) and University of Alabama
Downloads 67 (373,268)

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Capital Accumulation Ratio, financial ratios, investing, lifecycle theory of savings, Survey of Consumer Finances, retirement

39.

Decomposition Analyses of Racial/Ethnic Differences in High Return Investment Ownership after the Great Recession

Journal of Financial Counseling and Planning, Vol. 26, No. 1, 2015, 43-62.
Number of pages: 20 Posted: 06 Apr 2015 Last Revised: 29 Jun 2015
Su Shin and Sherman D. Hanna
Ohio State University - Human Sciences Department and Ohio State University (OSU)
Downloads 67 (373,268)
Citation 1

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Decomposition analysis, investment choices, portfolio allocation, racial/ethnic differences, Survey of Consumer Finances

40.

Do Worker Expectations of Never Retiring Indicate a Preference or an Inability to Plan?

Hanna, S. D., Zhang, L., & Kim, K.T. (2017). Do worker expectations of never retiring indicate a preference or an inability to plan? Journal of Financial Counseling and Planning, 28 (2), 268-284.
Number of pages: 42 Posted: 12 Oct 2016 Last Revised: 18 Feb 2018
Sherman D. Hanna, Lishu Zhang and Kyoung Tae Kim
Ohio State University (OSU), Shenzhen University and University of Alabama
Downloads 64 (382,115)

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retirement planning, expected retirement age, retirement adequacy, financial sophistication

41.

Factors Related to Saving Behavior among Low-Income Households in the 1995-2007 Survey of Consumer Finances

Heckman, S., & Hanna, S.D. (2012). Factors Related to Saving Behavior among Low-Income Households in the 1992-2007 Survey of Consumer Finances. Proceedings of the Academy of Financial Services
Number of pages: 37 Posted: 20 Nov 2012
Stuart Heckman and Sherman D. Hanna
Ohio State University and Ohio State University (OSU)
Downloads 64 (382,115)

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Savings, Life Cycle Theory, Institutional Theory

42.

Who Uses Mobile Payments: Fintech Potential in Users and Non-Users

Li, B., Hanna, S. D., & Kim, K.T. (2019). Who uses mobile payments: Fintech potential in users and non-users. Journal of Financial Counseling and Planning, Forthcoming
Number of pages: 36 Posted: 05 Dec 2019
Bin Li, Sherman D. Hanna and Kyoung Tae Kim
Miami University, Ohio State University (OSU) and University of Alabama
Downloads 57 (404,848)

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elderly, fintech, financial literacy, mobile payments, mobile technology, National Financial Capability Study

43.

Racial/Ethnic Disparities in High Return Investment Ownership: A Heckman Selection Model

Applied Economics Letters, Forthcoming
Number of pages: 7 Posted: 17 Feb 2018
Guangyi N. Wang and Sherman D. Hanna
Ohio State University and Ohio State University (OSU)
Downloads 53 (418,571)

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Heckman selection model, investment choices, portfolio allocation, racial/ethnic differences, Survey of Consumer Finances

44.

Does Greater Complexity Reduce Retirement Adequacy? Evidence from the Survey of Consumer Finances, 1995-2007

Consumer Interests Annual, 2012 Forthcoming
Number of pages: 14 Posted: 12 Aug 2012
Kyoung Tae Kim, Samual Chen and Sherman D. Hanna
University of Alabama, Sun Trust Banks and Ohio State University (OSU)
Downloads 53 (418,571)

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Bounded rationality, Survey of Consumer Finances, income stage, retirement adequacy

45.

The Effects of Risk Aversion on Life Insurance Ownership of Single-Parent Households

Applied Economics Letters, Forthcoming
Number of pages: 10 Posted: 17 Jul 2018
Youngwon Nam and Sherman D. Hanna
Ohio State University (OSU) - Department of Human Sciences and Ohio State University (OSU)
Downloads 51 (425,632)
Citation 1

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Life Insurance, Risk Aversion, Investments, Single-Parent Household

46.

The Decrease in Stock Ownership by Minority Households

Journal of Financial Counseling and Planning, Vol. 19, No. 2, 2008
Number of pages: 13 Posted: 01 Mar 2013
Sherman D. Hanna and Suzanne Lindamood
Ohio State University (OSU) and Independent
Downloads 50 (429,346)
Citation 3

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racial/ethnic groups, risk tolerance, stock ownership, Survey of Consumer Finances

47.

Factors Related to Household Risk Tolerance: An Ordered Probit Analysis

Sung, J. & Hanna, S. (1996). Factors related to household risk tolerance: An ordered probit analysis. Consumer Interests Annual, 42, 227-228.
Number of pages: 10 Posted: 18 Nov 2018 Last Revised: 19 Nov 2018
Jamie Sung and Sherman D. Hanna
Independent and Ohio State University (OSU)
Downloads 49 (436,840)

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risk tolerance, risk aversion, Survey of Consumer Finances

48.

Parameter Assumptions in Normative Analyses of Household Financial Decisions

Proceedings of the Academy of Financial Services, October 1 and 2, 2012, San Antonio, TX
Number of pages: 20 Posted: 18 Nov 2012 Last Revised: 25 Dec 2012
Sherman D. Hanna, Kyoung Tae Kim and Fen Liu
Ohio State University (OSU), University of Alabama and J.P. Morgan Chase & Co.
Downloads 49 (433,051)

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normative household finance, utility functions, risk aversion, time preference, personal discount rate, intertemporal elasticity

49.

Financial Behavior and Attitudes of Asians Compared to Other Racial/Ethnic Groups in the United States

Journal of Family and Economic Issues, 36, 2015, Forthcoming
Number of pages: 26 Posted: 11 Apr 2015 Last Revised: 23 Apr 2015
Sherman D. Hanna, Jonghee Lee and Suzanne Lindamood
Ohio State University (OSU), Ohio State University (OSU) and Independent
Downloads 48 (436,840)

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Racial/ethnic differences, Asian Americans, Financial behaviors, Credit, Saving, Investments, Financial education

50.

Risk Aversion and Optimal Insurance Deductibles

Hanna, S. (1989). Risk aversion and optimal insurance deductibles. American Council on Consumer Interests Proceedings, 141-147.
Number of pages: 12 Posted: 27 Jun 2015
Sherman D. Hanna
Ohio State University (OSU)
Downloads 46 (444,579)

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insurance, expected utility, personal finance

51.

Factors Related to the Risk Tolerance of Households in China and the United States: Implications for the Future of Financial Markets in China

Hanna, S.D., Kim, K.T., & Zhang, L. (2019). Factors related to the risk tolerance of households in China and the United States: Implications for the future of financial markets in China. Financial Services Review, Forthcoming
Number of pages: 41 Posted: 05 Feb 2019 Last Revised: 21 Feb 2019
Sherman D. Hanna, Kyoung Tae Kim and Lishu Zhang
Ohio State University (OSU), University of Alabama and Shenzhen University
Downloads 43 (456,751)
Citation 1

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Risk Tolerance, Individual Investing, China Household Finance Survey, Survey of Consumer Finances

52.

Did Households’ Time Preference Change Due to the Great Recession?

Applied Economics Letters, Forthcoming
Number of pages: 7 Posted: 16 Dec 2015
Eunice Hong and Sherman D. Hanna
Korean Women’s Development Institute and Ohio State University (OSU)
Downloads 43 (456,751)

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planning horizon, time preference, Great Recession, Survey of Consumer Finances

53.

Two Decades of the Journal of Financial Counseling and Planning

Journal of Financial Counseling and Planning, Vol. 21, No. 1, 2010
Number of pages: 11 Posted: 22 Feb 2013
Consumer Sciences Department, Ohio State University, Ohio State University (OSU), Department of Personal Financial Planning and University Libraries
Downloads 43 (456,751)
Citation 1

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content analysis, financial counseling, financial planning, journal review

The Relationship Between Financial Planner Use and Holding a Retirement Saving Goal: A Propensity Score Matching Analysis

Financial Planning Review, Forthcoming
Number of pages: 20 Posted: 13 Aug 2018
Kyoung Tae Kim, Tae-Young Pak, Su Shin and Sherman D. Hanna
University of Alabama, University of Alabama, University of Utah and Ohio State University (OSU)
Downloads 42 (470,176)
Citation 2

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Saving Goal, Retirement Savings, Financial Planner, Survey of Consumer Finances

The Relationship between Financial Planner Use and Holding a Retirement Saving Goal: A Propensity Score Matching Analysis

Financial Planning Review, Vol. 1, Issue 1-2, March-June 2018
Posted: 12 Nov 2019
Kyoung Tae Kim, Tae-Young Pak, Su Shin and Sherman D. Hanna
University of Alabama, University of Alabama, University of Utah and Ohio State University (OSU)

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55.

Household Ownership of Stocks, Business Assets, and Investment Real Estate: An Endogenous Probit Model

Proceedings of the Academy of Financial Services, 2008
Number of pages: 17 Posted: 10 Dec 2016
Sherman D. Hanna, Cong Wang and Suzanne Lindamood
Ohio State University (OSU), Convergys Corporation and Independent
Downloads 40 (469,484)

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Investment Choices, Portfolio Allocation, Racial/Ethnic Differences, Investment Real Estate, Business Ownership, Survey of Consumer Finances

56.

Do Males Still Specialize in Higher Household Finances?

Consumer Interests Annual, Volume 59, 2013
Number of pages: 8 Posted: 10 Jul 2013
Suzanne Lindamood and Sherman D. Hanna
Independent and Ohio State University (OSU)
Downloads 40 (469,484)

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Gender, Survey of Consumer Finances, Financial knowledge, Household production model, Family decision-making, Gender roles

57.

Pure Time Preference or Situational? What Does the Survey of Consumer Finances Planning Horizon Variable Measure?

Proceedings of the Academy of Financial Services, 2012
Number of pages: 15 Posted: 25 Sep 2012 Last Revised: 18 Nov 2012
Eunice Hong and Sherman D. Hanna
Korean Women’s Development Institute and Ohio State University (OSU)
Downloads 37 (482,749)

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time preference, Survey of Consumer Finances, intertemporal preferences, saving, credit

58.

Are the Consumption Patterns of Elderly Households Consistent with a Life-Cycle Model?

Chiu Fui Joyce Mok, Hui Wang, and Sherman D. Hanna (1994) ,"Are Consumption Patterns of Elderly Households Consistent With a Life-Cycle Model?", Asia Pacific Advances in Consumer Research Volume 1, 1994, Pages 237-245
Number of pages: 18 Posted: 28 Jul 2016 Last Revised: 26 Sep 2016
Chiu-Fui Mok, Hui Wang and Sherman D. Hanna
Independent, Independent and Ohio State University (OSU)
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life cycle model, intertemporal consumption smoothing, elderly

59.

Which Households Think They Save?

The Journal of Consumer Affairs, Vol. 44, No. 1, pp. 70-97, 2010
Number of pages: 37 Posted: 19 Mar 2009 Last Revised: 26 Jun 2017
Yoonkyung Yuh and Sherman D. Hanna
Ewha Womans University and Ohio State University (OSU)
Downloads 36 (487,205)
Citation 2

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Savings, Life Cycle Theory, Prescriptive Model

60.

Financial Knowledge Overconfidence and Early Withdrawals from Retirement Accounts

Number of pages: 41 Posted: 16 Aug 2020
Sunwoo T. Lee and Sherman D. Hanna
Ohio State University (OSU) and Ohio State University (OSU)
Downloads 35 (496,651)

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early withdrawals, financial knowledge, hardship withdrawals, overconfidence, retirement plan loans

61.

The Impact of Stock and Real Estate Returns on the Propensity of Households to Meet the Capital Accumulation Ratio Guideline

Journal of Financial Counseling and Planning, Vol. 24, No. 1, 2013
Number of pages: 11 Posted: 21 Jan 2014
Jodi Letkiewicz and Sherman D. Hanna
York University and Ohio State University (OSU)
Downloads 35 (491,883)

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capital accumulation ratio, financial ratios, investing, lifecycle theory of savings, Survey of Consumer Finances

62.

The Risk Tolerance Measure in the 2016 Survey of Consumer Finances: New, but is it Improved?

1.Kim, K.T., Hanna, S. D., & Ying, D. (2020). The Risk Tolerance Measure in the 2016 Survey of Consumer Finances: New, but is it Improved? Journal of Financial Counseling and Planning, accepted for publication.
Number of pages: 28 Posted: 21 May 2020 Last Revised: 07 Aug 2020
Kyoung Tae Kim, Sherman D. Hanna and Dongyue Ying
University of Alabama, Ohio State University (OSU) and Ohio State University (OSU) - Consumer Sciences Department
Downloads 33 (501,515)
Citation 1

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Equity ownership; Measure evaluation; Risk tolerance; Survey of Consumer Finances

63.

How Did the Great Recession Affect U.S. Household Financial Burdens?

Consumer Interests Annual, Volume 59, 2013
Number of pages: 10 Posted: 10 Jul 2013
Sherman D. Hanna and Yoonkyung Yuh
Ohio State University (OSU) and Ewha Womans University
Downloads 33 (501,515)

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Borrowing Decisions, Household Debt, Financial Obligations, Education, Expectations, Homeownership

64.

Changes in the Risk Tolerance of US Households During 1992-2013

Paper presented at the Academy of Financial Services conference, Las Vegas, Nevada, October 2015
Number of pages: 13 Posted: 15 Nov 2016
Sherman D. Hanna and Kyoung Tae Kim
Ohio State University (OSU) and University of Alabama
Downloads 29 (522,116)
Citation 1

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Risk tolerance, Stock market, Survey of Consumer Finances

65.

The Effects of Financial Literacy Overconfidence on the Mortgage Delinquency of US Households

Kim, Kyoung Tae, Lee, Jonghee, and Hanna, Sherman D. (2019). The Effects of Financial Literacy Overconfidence on the Mortgage Delinquency of US Households. Journal of Consumer Affairs
Number of pages: 36 Posted: 01 Oct 2018 Last Revised: 07 Oct 2019
Kyoung Tae Kim, Jonghee Lee and Sherman D. Hanna
University of Alabama, Keimyung University and Ohio State University (OSU)
Downloads 26 (539,255)
Citation 2

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Financial Knowledge; Financial Literacy; Mortgage Delinquency; National Financial Capability Study; Overconfidence

66.

Positive Versus Normative Approaches to Life Cycle Saving and Spending

Proceedings of the IFID Conference on Models for Lifecycle Finance, Insurance, and Economics. Fields Institute, Toronto, Canada.
Number of pages: 26 Posted: 15 Jul 2016 Last Revised: 22 Jul 2016
Sherman D. Hanna
Ohio State University (OSU)
Downloads 26 (539,255)

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normative household finance; optimal saving

67.

The Investment Risk Tolerance of Same-Sex Couples

Hanna, S. D., & Lindamood, S. (2004). The investment risk tolerance of same-sex couples. Proceedings of the Academy of Financial Services.
Number of pages: 18 Posted: 21 Jun 2015
Sherman D. Hanna and Suzanne Lindamood
Ohio State University (OSU) and Independent
Downloads 23 (557,735)

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risk tolerance, portfolio choices, gender, marriage

68.

Factors Related to the Risk of a Substantial Income Decrease between 2006 and 2008 in South Korea

Hong, E.J. & Hanna, S.D. (2017). Factors related to the risk of a substantial income decrease between 2006 and 2008 in South Korea. The Singapore Economic Review, Forthcoming
Number of pages: 28 Posted: 21 Aug 2017
Eunice Hong and Sherman D. Hanna
Korean Women’s Development Institute and Ohio State University (OSU)
Downloads 17 (596,664)

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household income, global economic crisis, Korean households, Korean Labor and Income Panel Study

69.

Are Asian American Households More Likely than Other Households to Expect to Help Children with College Costs?

Journal of Family and Economic Issues, Forthcoming.
Number of pages: 30 Posted: 07 Nov 2019
CoCo Ouyang, Sherman D. Hanna and Kyoung Tae Kim
Ohio State University, Ohio State University (OSU) and University of Alabama
Downloads 16 (603,227)

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College saving, Financial planning, Asian American households, social norms, Survey of Consumer Finances

70.

Were Consumer Mistakes Related to Changes in Financial Obligations Burdens?

Consumer Interests Annual, Vol. 58, 2012
Number of pages: 7 Posted: 20 Nov 2012
Sherman D. Hanna, Yoonkyung Yuh and Swarn Chatterjee
Ohio State University (OSU), Ewha Womans University and University of Georgia
Downloads 16 (603,227)

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borrowing decisions, household debt, financial obligations, education, expectations

71.

The Spouse Effect on Participation and Investment Decisions for Retirement Funds

Journal of Financial Counseling and Planning, Vol. 9, No. 2, 1998
Number of pages: 13 Posted: 07 Nov 2019
Jamie Sung and Sherman D. Hanna
Independent and Ohio State University (OSU)
Downloads 14 (616,904)
Citation 3

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Stock Investments, Retirement Planning, Risk Tolerance, Survey of Consumer Finances, Gender Differences

72.

Racial/Ethnic Discrepancies in Household Overspending

Proceedings of the Academy of Financial Services, 2008
Number of pages: 15 Posted: 10 Dec 2016
Hua Zan and Sherman D. Hanna
University of Hawaii at Manoa and Ohio State University (OSU)
Downloads 13 (623,935)

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Saving, Consumption, Overspending, Consumer Expenditure Survey, Racial/Ethnic Differences

73.

A Computer Program for Decision Rules

Proceedings of the Association for Financial Counseling and Planning Education, 1999
Number of pages: 7 Posted: 24 Jan 2018
Sherman D. Hanna
Ohio State University (OSU)
Downloads 8 (659,744)
Citation 1

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expected utility, decision rules

74.

The Increasing Problem of Household Debt Payment Delinquency of Hispanic Households

Lee, J., Hanna, S.D., & Lindamood, S. (2013). The Increasing Problem of Household Debt Payment Delinquency of Hispanic Households. Paper presented at the Academy of Financial Services conference.
Number of pages: 29 Posted: 11 Dec 2017
Jonghee Lee, Sherman D. Hanna and Suzanne Lindamood
Independent, Ohio State University (OSU) and Independent
Downloads 8 (659,744)

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credit delinquency, debt payments, racial/ethnic differences, Survey of Consumer Finances

75.

Using the Survey of Consumer Finances: Methodological Considerations and Issues

Journal of Consumer Affairs, 2007
Number of pages: 24 Posted: 25 Oct 2006 Last Revised: 19 Nov 2018
Suzanne Lindamood, Sherman D. Hanna and Lan Bi
Independent, Ohio State University (OSU) and Wells Fargo Financial
Downloads 7 (666,942)
Citation 4

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Survey Research, Race, Black, Hispanic, Statistical Analysis, Multiple Imputation, Survey of Consumer Finances

76.

Credit Constraints: The Effect of Race/Ethnic Group

Paper Presented at the 2007 Meeting of the American Council on Consumer Interests
Number of pages: 32 Posted: 30 Sep 2017
Sherman D. Hanna and Suzanne Lindamood
Ohio State University (OSU) and Independent
Downloads 5 (681,757)
Citation 1

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Debt, Debt Delinquency, Racial/Ethnic Disparity, Survey of Consumer Finances, Racial Discrimination, Lending

77.

Who Among the Elderly Owns Stocks? The Role of Cognitive Ability and Bequest Motive

Journal of Family and Economic Issues, SpringerLink, 2012
Number of pages: 27 Posted: 20 Feb 2012 Last Revised: 08 Aug 2019
CNK Consulting Inc, Ohio State University (OSU), University of Georgia and Independent
Downloads 4 (689,405)
Citation 2

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Elderly, Stock ownership, Cognitive ability, Bequest motive

78.

Three Decades of the Journal of Financial Counseling and Planning

Xiao, J. J., Lavigueur, B., Izenstark, A., Hanna, S., & Lawrence, F. C., Three Decades of the Journal of Financial Counseling and Planning. Journal of Financial Counseling and Planning, 2020
Posted: 07 May 2020
University of Rhode Island, University of Rhode Island - College of Human Science & Services, Ohio State University (OSU), Department of Personal Financial Planning and University Libraries, University of Rhode Island

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Content Analysis, Financial Counseling, Financial Education, Financial Planning, Financial Wellbeing, Journal Review

79.

Time Preference Assumptions in Normative Analyses of Household Financial Decisions

Applied Economics Letters, Vol. 21, No. 9, 2014
Posted: 20 Mar 2014
Sherman D. Hanna and Kyoung Tae Kim
Ohio State University (OSU) and University of Alabama

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normative household finance, optimal saving, retirement adequacy

80.

Which Workers Plan to Retire Late or Never?

Consumer Interests Annual, Volume 59, 2013
Posted: 11 Jul 2013
Lishu Zhang and Sherman D. Hanna
Ohio State University (OSU) - Department of Human Sciences and Ohio State University (OSU)

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Planned retirement age, retirement adequacy

81.

Limitations of Combining Hispanics and African-Americans for Analysis of Credit Problems

Lee, J. & Hanna, S.D. (2012). Limitations of combining Hispanics and African-Americans for analysis of credit problems. Journal of Consumer Affairs, 46 (3), 506-536.
Posted: 05 Jul 2012 Last Revised: 06 Apr 2015
Jonghee Lee and Sherman D. Hanna
Independent and Ohio State University (OSU)

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Debt delinquency, Racial/Ethnic Disparity, Survey of Consumer Finances

82.

The Increasing Financial Obligations Burden of U.S. Households: Who is Affected?

International Journal of Consumer Studies, 2012, 36, 588–594
Posted: 20 May 2012 Last Revised: 25 Aug 2012
Sherman D. Hanna, Yoonkyung Yuh and Swarn Chatterjee
Ohio State University (OSU), Ewha Womans University and University of Georgia

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Borrowing Decisions, Household Debt, Financial obligations, Education, Expectations

83.

Optimal Life Cycle Savings

FINANCIAL COUNSELING AND PLANNING, Vol. 6, 1995
Posted: 14 Jul 1998
Sherman D. Hanna, Jessie X. Fan and Y. Regina Chang
Ohio State University (OSU), University of Utah and University of Missouri at Columbia - College of Human Environmental Sciences - Department of Consumer & Family Economics

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84.

Investment Portfolios and Human Wealth

Financial Counseling and Planning, Vol. 6, 1995
Posted: 21 Feb 1996
Hye-Kyung Lee and Sherman D. Hanna
affiliation not provided to SSRN and Ohio State University (OSU)
Downloads 0 (737,838)

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