Swarn Chatterjee
College of Family and Consumer Sciences
Department Head and Bluerock Professor of Financial Planning
210b Dawson Hall
305 Sanford Dr.
Athens, GA 30602
workFax: 706-542-4397
https://www.swarnchatterjee.net
Education
Degree | Field of Study | Institution | Graduation |
---|---|---|---|
Ph.D. | Consumer Economics, Concentration: Personal Financial Planning | Texas Tech University | 2007 |
Research
My research focuses on three primary areas: Performance evaluation across different stages of the financial planning process; Examination of the association between financial well-being, welfare dependency, and health among underserved populations; and Identification of factors that improve financial decision making among transitioning young adults and the elderly households.
Teaching
Advanced Estate Planning (FHCE 6220)
Wealth Management I (FHCE 4200 & FHCE 6200)
Wealth Management II (FHCE 4205 & FHCE 6205)
Behavioral Economics & Financial Planning for Families (FHCE 4270 & FHCE 6270)
Introduction to Personal Finance (FHCE 3200)
Computer Applications in Financial Planning (FHCE 3260)
Editorial Appointments
Position | Name of Journal | Year(s) |
---|---|---|
Associate Editor | Journal of Financial Counseling and Planning | 2017-present |
Associate Editor | Financial Services Review | 2018-present |
Associate Editor | Journal of Financial Service Professionals | 2023-present |
Associate Editor | The International Review of Financial Consumers | 2021-present |
Editorial Board | Journal of Financial Planning | 2015-present |
Editorial Board | Journal of Family and Economic Issues | 2021-present |
Editorial Board | Journal of Personal Finance | 2021-present |
Editorial Board | Humanities and Social Sciences Communications | 2023-present |
Service
Organization | Title | Year(s) | Service Type |
---|---|---|---|
American Council on Consumer Interests | President | 2022-2023 | |
Academy of Financial Services | President | 2018-2019 | |
American Council on Consumer Interests | Treasurer | 2013-2017 |
Awards
Award Name | Awarded By | Year Awarded |
---|---|---|
AFS Best Paper Award | Academy of Financial Services | 2024 |
Honorary Faculty Member | Phi Upsilon Omicron National Honor Society (Chi Chapter) | 2023 |
Best Paper Award--Family and Consumer Sciences Research Journal | American Association for Family and Consumer Sciences | 2023 |
APLU BOHS Leadership Fellow | Association of Public and Land-grant Universities-Board of Human Sciences | 2022 |
ACCI Consumer Movement Archives Applied Consumer Economics Award--Best Student Paper (Lead Student Author: Zongze Li; co-author: Diann Moorman) | American Council on Consumer Interests | 2022 |
June and Bill Flatt Outstanding Teacher of the Year | College of Family and Consumer Sciences | 2018 |
NEFE Best Paper Award- ACCI Annual Conference | American Council on Consumer Interests | 2017 |
Highly Commended Article Award- International Journal of Housing Markets and Analysis | Emerald Publications | 2017 |
Early Career Faculty Research Award | College of Family and Consumer Sciences | 2016 |
Mid-Career Fellow | American Council on Consumer Interests | 2015 |
Best Journal Article-Journal of Financial Counseling and Planning | Association for Financial Counseling, Planning, & Education | 2013 |
Best Published Paper-Family and Consumer Sciences Research Journal | American Association for Family and Consumer Sciences | 2013 |
Outstanding AFCPE Conference Paper | Association for Financial Counseling, Planning, & Education | 2012 |
Best Published Paper-Family and Consumer Sciences Research Journal | American Association for Family and Consumer Sciences | 2012 |
Books
Chatterjee, S., & Kim, J. (2023). Health, financial behavior, and financial vulnerability during COVID-19. In J. Xiao and S. Kumar (Ed.) A Research Agenda for Consumer Financial Behavior: 21, 287-298. http://doi.org/10.4337/9781803922652.00030
Lutter, S., Chatterjee, S., & Yeske, D. (eds.). (2022). The Psychology of Financial Planning. CFP Board. Erlanger, KY: National Underwriter.
Grable, J. E., & Chatterjee, S. (eds.). (2022). Defining Personal Finance. De Gruyter Handbook of Personal Finance. Berlin: De Gruyter.
Chatterjee, S., Goetz, J. W., Grable, J., & Palmer, L.(2018-2021). Wiley CFP Examination Review, John Wiley Sons, Inc. [authorship alphabetical; 800 pages, original edition].
Chatterjee, S., & Goetz, J. (2018). Applications of Behavioral Finance in Understanding and Changing Clients’ Behavior. In Client Psychology (pp. 11-18),John Wiley Sons.
Chatterjee, S., & Goetz, J. (2018). Understanding Client Behavior: Rational or Irrational?. In Client Psychology (pp.19-24). John Wiley Sons.
Chatterjee, S., & Goetz, J. W. (2015). Applications of behavioral finance in financial planning. In C. Chaffin (Ed.), Financial planning competency handbook II (pp. 751-762). Hoboken, NJ: John Wiley & Sons, Inc
Chatterjee, S., & Palmer, L. (2013, 2015). Characteristics, uses, and taxation of investment vehicles. In C. R. Chaffin (Ed.), CFP Board Financial Planning Competency Handbook (eds. 1 and 2), (pp. 215-222). Hoboken, NJ: John Wiley Sons, Inc.
Joo, S., & Chatterjee, S. (2012). Financial Education Research Opportunities . In D. B. Durban and S. L. Britt (Ed.), Student Financial Literacy: Campus-based Program Development, (pp. 125-140). New York, NY: SpringerNature, Inc.
Current Research
My current research in progress includes: Measuring the value of financial advice across the different stages of the financial planning process; examining factors that are associated with greater financial resiliency among households recovering from an adverse financial event; and determining the association between household financial decision making and their food insecurity as well as food purchase behavior.
Publications
Ouyang, C., Crandall, T., & Chatterjee, S. (In press). The Impact of the COVID-19 Income Shock on Debt Management: A Mediation Analysis. Financial Services Review, 33(1).
Zhang, Y., Chatterjee, S., & Moorman, D. (2024). Desirable Family Financial Behaviors: An Examination of the Role of Family Structure in the United States. Journal of Financial Therapy, 15(2), 4. 44-75. https://doi.org/ 10.4148/1944-9771.1403
Li, Z., Chatterjee, S. and Moorman, D. (2024), Exploring the interplay of materialism, financial socialization, financial capability, and credit card debt. International Journal of Bank Marketing. https://doi.org/10.1108/IJBM-02-2024-0106
Qi, J., Chatterjee, S., Worthy, S., Herndon, K. and Wojdynski, B. (2024). Using an extended post-acceptance framework to examine consumer adoption of fintech. International Journal of Bank Marketing, 42(3), 642-668. https://doi.org/10.1108/IJBM-10-2022-0448
Zhang, Y., Qi, J., & Chatterjee, S. (2024). Exploring the role of help-seeking behavior, family financial socialization, and capability on financial well-being. Family Relations, 73(5), 3054–3072. https://doi.org/10.1111/fare.13089
Sunder, A., Palmer, L., Chatterjee, S., & Goetz, J. (2024). Benefits of Consistent and Comprehensive Financial Advice during the Great Recession. Journal of Behavioral and Experimental Finance, 41, 100900, 1-16. https://doi.org/10.1016/j.jbef.2024.100900
Pak, T.Y., Fan, L., & Chatterjee, S. (2023). Financial Socialization and Financial Well-being in Early Adulthood: The Mediating Roles of Financial Capability. Family Relations. https://doi.org/10.1111/fare.12959
Choung, Y., Chatterjee, S., & Pak, T.Y. (2023). Digital Financial Literacy and Financial Well-being. Finance Research Letters, 58(B), 1-7. https://doi.org/10.1016/j.frl.2023.104438
Chatterjee, S., & Fan, L. (2023). Surviving in Financial Advice Deserts: Limited Access to Financial Advice and Retirement Planning Behavior. International Journal of Bank Marketing, 41(1), 70-106. http://doi.org/10.1108/IJBM-01-2022-0022
Kim, S. D., & Chatterjee, S. (2023). Valuation Effects of REIT Mergers During the Covid-19 Pandemic. Journal of Finance Issues, 21(1), 1-12. https://doi.org/10.58886/jfi.v21i1.5268
Liu, Y., Zhang, Y., & Chatterjee, S. (2023). Financial Hardship and Depression Experienced by Pre-Retirees During the COVID-19 Pandemic: the Mitigating Role of Stimulus Payments. Applied Economics Letters, 30(3), 391-396. https://doi.org/10.1080/13504851.2021.1989364.
Zhang, Y., & Chatterjee, S. (2023). Financial Well-Being in the United States: The Roles of Financial Literacy and Financial Stress. Sustainability, 15(5), 4505. https://doi.org/10.3390/su15054505
Choung, Y., Chatterjee, S., & Pak, T. Y. (2022). Depression and Financial Planning Horizon. Journal of Behavioral and Experimental Economics, 98, 1-11, 101877. https://doi.org/10.1016/j.socec.2022.101877
Fan, L., Chatterjee, S., & Kim, J. (2022). Young Adults' Personality Traits and Subjective Well-Being: The Role of Perceived Money Management Capability. Journal of Behavioral and Experimental Finance, 35, 100689. https://doi.org/10.1016/j.jbef.2022.100689
Kim, S. D., Chatterjee, S., & Haley, J. D. (2022). An Examination of Life Insurer Share Price Behavior Surrounding Covid-19 Death Announcements. Journal of Insurance Issues, 45(2), 1–25. https://www.jstor.org/stable/48703225
Chang, Y., & Chatterjee, S. (2022). Housing Instability, Food Insecurity, and Barriers to Healthy Eating. Family and Consumer Sciences Research Journal. http://doi.org/10.1111/fcsr.12454
Qi, J., Chatterjee, S., & Liu, Y. (2022). Retirement Preparedness of Generation X Compared to Other Cohorts in the United States. International Journal of Financial Studies, 10(2), 45, 1-14. https://doi.org/10.3390/ijfs10020045
Chang, Y., Chatterjee, S., & Kim, J. (2022). Do Households Use Food Budget Stretching to Alleviate Food Insecurity? Family and Consumer Sciences Research Journal, 50(4), 288-300. https://doi.org/10.1111/fcsr.12438
Cotwright, M. & Chatterjee, S. (2022). Equity Return Expectations and Financial Wealth Holdings of U.S. Households. Open Economics, 5(1), 1-10. https://doi.org/10.1515/openec-2022-0118.
Chatterjee, S., & Fan, L. (2021). Older Adults’ Life Satisfaction: The Roles of Seeking Financial Advice and Personality Traits. Journal of Financial Therapy, 12 (1), 51-78. https://doi.org/10.4148/1944-9771.1253
Kim, J. & Chatterjee, S. (2021). Financial Debt and Mental Health of Young Adults. Journal of Financial Counseling and Planning. DOI:10.1891/JFCP-18-00048
Fan, L., Chatterjee, S., & Kim, J. (2021). An Integrated Framework of Young Adults’ Subjective Well-Being: The Roles of Personality Traits, Financial Responsibility and Perceived Capability, and Race. Journal of Family and Economic Issues. https://doi.org/10.1007/s10834-021-09764-6
Chatterjee, S., Kim, J., & Chung, S. (2021). Emerging adulthood milestones, perceived capability, and psychological well-being while transitioning to adulthood: Evidence from a national study. Financial Planning Review. https://doi.org/10.1002/cfp2.1132.
Worthy, S., Mountain, T., Chatterjee, S. et al. (2021). Differences in the Determinants of Retirement Preparation between Farm and Non Farm Households. Journal of Applied Farm Economics, 3(2), 42-58. DOI: 10.7771/2331-9151.1048
Sharma, M., & Chatterjee, S. (2021). Cognitive functioning: an underlying mechanism of age and Gender differences in self-assessed risk tolerance among an aging population. Sustainability, 13(4), 2361. https://doi.org/10.3390/su13042361.
Chatterjee, S., Fan, L., Ryu, S. & Kim, J.H (2020). A Decade Review of Asian Studies in the Journal of Family and Economic Issues from 2010 to 2019. Journal of Family and Economic Issues. https://doi.org/10.1007/s10834-020-09735-3.
Choung, Y., Pak, T.‐Y. and Chatterjee, S. (2020). Consumption and Life Satisfaction: The Korean Evidence. International Journal of Consumer Studies, 45(5), 1007-1019. doi:10.1111/ijcs.12620
Cude, B. J., Chatterjee, S., & Tavosi, J. (2020). Financial Knowledge, Personality Traits, and Risky Borrowing Behaviors in Iranian Households. Sustainability 2020, 12(18), 7608. https://doi.org/10.3390/su12187608.
Fan, L., & Chatterjee, S. (2020). The Utilization of Robo-Advisors by Individual Investors: An Analysis Using Diffusion of Innovation and Information Search Frameworks. Journal of Financial Counseling and Planning, 31(1), 130-145. http://dx.doi.org/10.1891/JFCP-18-00078.
Cude, B. J., Chatterjee, S., & Tavosi, J. (2019). Financial knowledge among Iranian investors. International Journal of Consumer Studies, 43(6), 503-513. https://doi.org/10.1111/ijcs.12535
Fan, L., & Chatterjee, S. (2019). Bequest expectations among the US older adults: The roles of generational differences and personality traits. Financial Planning Review, 2(3-4), e1057. https://doi.org/10.1002/cfp2.1057
Fan, L., & Chatterjee, S. (2019). Financial Socialization, Financial Education, and Student Loan Debt. Journal of Family and Economic Issues, 40(1), 74-85. https://doi.org/10.1007/s10834-018-9589-0
Ruf, B., Das, N., Chatterjee, S., & Sunder, A. (2019). Investments in ESG-Rated Mutual Funds: Is good better than great?. Journal of Wealth Management, 22(1), 56-61. 10.3905/jwm.2019.1.070
Robb, C. A., Chatterjee, S., Porto, N., & Cude, B. J. (2019). The Influence of Student Loan Debt on Financial Satisfaction. Journal of Family and Economic Issues, 40(1), 51-73. https://doi.org/10.1007/s10834-018-9599-y
Kim, J., & Chatterjee, S. (2019). Student Loans, Health, and Life Satisfaction of US Households: Evidence from a Panel Study. Journal of Family and Economic Issues, 40(1), 36-40. https://doi.org/10.1007/s10834-018-9594-3
Bhargava, V., Palmer, L., Chatterjee, S., & Stebbins, R. (2018). Supportive and mitigating factors associated with financial resiliency and distress. Financial Planning Review, 1 (3-4), e1023. https://doi.org/10.1002/cfp2.1023
Fan, L. & Chatterjee, S. (2018). Application of situational stimuli for examining the effectiveness of financial education: A behavioral finance perspective. Journal of Behavioral and Experimental Finance, 17, 68-75. https://doi.org/10.1016/j.jbef.2017.12.009
Chatterjee, S., & Fan, L. (2017). Household demand for private long term care insurance: An exploratory note. Economics Bulletin, 37(3), 1975-1981.
Fan, L. & Chatterjee, S. (2017). Borrowing decisions of households: An examination of the information search process. Journal of Financial Counseling and Planning, 28(1), 95-106. DOI: 10.1891/1052-3073.28.1.95
Chatterjee, S., Fan, L., Jacobs, B., & Haas, R. (2017). Risk tolerance and goals-based savings behavior of households: The role of financial literacy. Journal of Personal Finance, 16(1), 66-77.
Chang, Y., Kim, J., & Chatterjee, S. (2017). The association between consumer competency and SNAP participation on food insecurity. Journal of Nutrition Education and Behavior, 49(8), 657-666.
Chang, Y., Chatterjee, S., & Kim, J. (2017). Financial Strain and Participation in the Supplemental Nutrition Assistance Program. Journal of Policy Practice, 16(3), 221-246.
Zahirovic-Herbert, V., Gibler, K. M., & Chatterjee, S. (2016). Financial literacy, risky mortgages, and delinquency in the US during the financial crisis. International Journal of Housing Markets and Analysis, 9(2), 164-189.
Pak, T. -Y., & Chatterjee, S. (2016). Aging, overconfidence, and portfolio choice. Journal of Behavioral and Experimental Finance, 12, 112-122.
Chatterjee, S.., & Hubble, A. (2016). Day-of-the-week effect in Biotechnology Stocks — Do Policy Changes Aand Economic Cycles Matter?. Annals of Financial Economics, 11(2), 1-17.
Pak, T., & Chatterjee, S. (2016). Savings Decisions of American Households: The Roles of Financial Literacy and Financial Practice. Economics Bulletin, 36(3), 1486-1496.
Palmer, L., Bhargava, V., Chatterjee, S., & Stebbins, R. (2015). Net worth parity post-bankruptcy: Policy considerations for investments in human capital. Business and Bankruptcy Law Journal, 3(1).
Chang, Y., Chatterjee, S., & Kim, J. (2014). Household finance and food insecurity. Journal of Family and Economics Issues, 35 (4), 499-515.
Grable, J. E., & Chatterjee, S. (2014). Reducing wealth volatility: The value of financial advice as measured by zeta. Journal of Financial Planning, 27(8), 45-51.
Xiao, J., Chatterjee, S., & Kim, J. (2014). Factors associated with financial independence of young adults. International Journal of Consumer Studies, 38(4), 394-403.
Harness, N., Chatterjee, S., & Salter, J. (2014). Financial planning for the middle market. Journal of Financial Planning, 27(4), 48-54.
Chatterjee, S., & Zahirovic-Herbert, V. (2014). A road to assimilation: Immigrants and financial markets. Journal of Economics and Finance, 38(2), 345-358.
Goetz, J., Chatterjee, S., & Cude, B. (2014). Suitability versus fiduciary standard: The perceived impacts of changing one’s standard of care. Journal of Financial Planning, 27(2), 20-23
Heo, W., Grable, J.E., & Chatterjee, S. (2013). Life insurance consumption as a function of wealth change. Financial Services Review, 22(4), 389-404.
Nicolini, G., Cude, B., & Chatterjee, S. (2013). Financial Literacy: A Comparative Study Across Four Countries. International Journal of Consumer Studies, 37(6), 689-705.
Fang, M.C., Hanna, S., & Chatterjee, S. (2013). The impact of immigrant status and racial-ethnic group on differences in response to a risk aversion measure. Journal of Financial Counseling & Planning, 24(2), 63-76 .
Kim, J. & Chatterjee, S. (2013). Childhood financial socialization and young adults’ financial management. Journal of Financial Counseling and Planning, 24(1), 61-79.
Hanna, S.D., Yuh, Y., & Chatterjee, S. (2012). The increasing financial obligations burden of U.S. households: Who is affected? International Journal of Consumer Studies, 36 (5), 588–594
Kim, J., Chatterjee, S., & Kim, J.E. (2012). Debt burden of young adults in the United States. Journal of Financial Counseling and Planning, 23(2), 55-67.
Zahirovic-Herbert, V. & Chatterjee, S. (2012). In search of value: How subdivision names influence house prices and marketing duration. Housing and Society, 39(1), 51-76.
Kim, E.J., Hanna, S.D., Chatterjee, S., & Lindamood, S. (2012). Who among the elderly own stocks? The role of cognitive ability and bequest motive. Journal of Family and Economic Issues, 33(3), 338-352.
Kim, J., Chatterjee, S., & Cho, S. (2012). Asset ownership of new Asian immigrants in the United States. Journal of Family and Economic Issues, 33(2), 215-226.
Zahirovic-Herbert, V. & Chatterjee, S. (2012). Historic preservation and residential property values: Evidence from quantile regression. Urban Studies, 49(2), 369-382.
Chatterjee, S. & Nielsen, R.B. (2011). Employer-provided health insurance coverage: A comparison of employed native-born and immigrant Americans. Family and Consumer Sciences Research Journal, 40(1), 15-27.
Chatterjee, S., Finke, M., & Harness, N. (2011) The impact of self-efficacy on wealth accumulation and portfolio choice. Applied Economics Letters, 18(7), 627-631.
Zahirovic-Herbert, V. & Chatterjee, S. (2011) What is the value of a name? Conspicuous consumption and house prices. Journal of Real Estate Research, 33(1), 105-125.
Gilliam, J., Chatterjee, S., & Grable, J. (2010). Measuring the perception of financial risk tolerance: A tale of two measures. Journal of Financial Counseling and Planning, 21(2), 30-43.
Salter, J., Harness, N., & Chatterjee, S. (2011). How retirees pay for current health care and future long term care expenses. Journal of Financial Service Professionals, 65(1), 88-93.
Chatterjee, S. & Zahirovic-Herbert, V. (2010). Retirement planning of younger baby-boomers: Who wants financial advice? Financial Decisions, 22(2), 1-12.
Nielsen, R., Garasky, S., & Chatterjee, S. (2010). Food insecurity and out-of-pocket medical expenditures: Competing basic needs? Family and Consumer Sciences Research Journal, 39(2), 137-151.
Salter, J., Harness, N., & Chatterjee, S. (2010). Utilization of financial advisors by affluent retirees. Financial Services Review, 19(3), 245-263.
Chatterjee, S. (2009). Health insurance coverage and the role of income uncertainty. Economics Bulletin, 29(2), 1256-1265.
Harness, N., Finke, M., & Chatterjee, S. (2009). The effect of capital accumulation ratio on wealth. Journal of Financial Counseling and Planning, 20(1), 44-57.
Palmer, L., Goetz, G. & Chatterjee, S. (2009). Service-Learning for Financial Planning Students: For now and for years to come. Financial Services Review, 18(3), 157-175.
Finke, M. & Chatterjee, S. (2008). Social Security: who wants private accounts? Financial Services Review, 17(4), 289-307.
Harness, N., Chatterjee, S., & Finke, M. (2008). Personal financial ratio analysis: A review of literature. Journal of Personal Finance, 6(2), 77-97.