Julie Agnew

• Ph.D., Finance, Boston College, Boston, MA, 2001
• Fulbright Scholar, The National University of Singapore, Singapore, 1992
• B.A., Economics (Magna Cum Laude with High Honors), Mathematics (Minor), William & Mary, Williamsburg, VA, 1991

• Richard C. Kraemer Term Professor of Business, Raymond A. Mason School of Business, William & Mary (2017-present)

• Academic Advisory Council (AAC), DCIIA Retirement Research Center (RRC) (2018-present)
• Board of Directors, C&F Bank (Not member from August 2022 to December 2022 (2016-present)
• Member, The Pension Research Council Advisory Board, Wharton School (2015-present)
• Member, Journal of Retirement Advisory Board (2013-present)
• Fellow, TIAA Institute (2007-present)
• Affiliated Researcher, Center for Retirement at Boston College (2001-present)

• Executive Faculty Co-Director, Boehly Center for Excellence in Finance (2024-2025)
• Executive Faculty Director, Boehly Center for Excellence in Finance (2023-2024)
• Associate Investigator, ARC Centre of Excellence in Population Ageing Research, UNSW (2018-2024)
• Class of 2018 Professor of Business (2015-2018)
• Associate Professor (2010-2017)
• Inaugural Director, Boehly Center for Excellence in Finance (2013-2016)
• John N. Dalton Term Chair (2011-2014)
• Co-Director, Center for Interdisciplinary Behavioral Finance Research (2009-2011)
• Assistant Professor (2003-2010)
• Visiting Assistant Professor (2001-2003)

• Retirement Income Institute, Scholar Advisory Group (2019-2022)
• Editor, Journal of Pension Economics and Finance (2016-2019)
• Member, Wall Street Journal Experts Panel (2016-2017)
• Editor, Journal of Pension Economics and Finance (2013)
• Special Academic Advisor, RIIA (2012-2017)
• Senior Visiting Fellow, School of Risk and Actuarial Sciences, UNSW, Australia (2012)
• Editorial Board, Journal of Pension Economics and Finance (2011-2012)
• Elected Member, Defined Contribution Plans Advisory Committee, Virginia Retirement System (2008-2010)
• Lecturer, Boston College, Boston, MA (1998-1999)
• Teaching Assistant, Boston College, Boston, MA (1997-1998)
• Research Assistant, Boston College, Boston, MA (1995-1997)
• Senior Research Associate, Vector Securities International, Deerfield, IL (1994-1995)
• Research Assistant, Vector Securities International, Deerfield, IL (1993-1994)
• Financial Analyst, Salomon Brothers, New York, NY (1992-1993)

• Derivatives and Risk Management**
• Fixed Income Securities and Securitization**
• Analytical Tools for Financial Modeling**
• Introduction to Risk Management (2 credit, Pass/Fail)**
• Study Abroad Programs in Singapore and Budapest*
• Innovation, Entrepreneurship, & Finance: From Start to Finish (1 credit, Pass/Fail)*
• International Finance*
• International Banking and Trade Finance*
• Money and Debt Markets*
• Independent Studies*
• Introduction to Finance*
• Corporate Valuation and Credit Analysis*
• Securitization (1 credit, Pass/Fail)*

*Undergraduate level, **Master level

• Daniel C. Lewis Award, William & Mary (2025)
• BBA Class of 2025 Faculty Excellence Award, William & Mary (2025)
• BBA Class of 2022 Faculty Excellence Award, William & Mary (2022)
• McGlothlin Award, William & Mary (2021)
• Plumeri Award, William & Mary (2020)
• BBA Class of 2020 Faculty Excellence Award, William & Mary (2020)
• Dean's Research Fellow, William & Mary (2018-2020)
• Provost Leadership Initiative, William & Mary (2017)
• Alfred N. Page Undergraduate Teaching Award, William & Mary (2016)
• BBA Class of 2014 Faculty Excellence Award, William & Mary (2014)
• Howard J. Busbee Finance Academy Alumni Award, William & Mary (2011)
• Cabell Faculty Fellowship, William & Mary (2009-2011)
• Geary Faculty Fellowship, William & Mary (2008)
• Master of Accounting Class of 2017 Faculty Excellence Award, William & Mary (2007)
• Honorary Marshal, William & Mary (2006)
• Thomas and Teri Dungan BBA Teaching Fellow, William & Mary (2005-2006)
• Visiting Scholar, Sonderforshungsbereich (SFB) 504, University of Mannheim (July 2005)
• Alfred N. Page Undergraduate Teaching Award, William & Mary (2005)
• BBA Class of 2004 Faculty Excellence Award, William & Mary (2004)
• Donald J. White Teaching Excellence Award, Boston College (1998)
• Benjamin Stoddert Ewell Award, William & Mary (1991)
• Walter L. Tarver Scholarship, Continental Insurance (1990-1991)
• Honor Societies: Phi Beta Kappa, Omicron Delta Kappa, Omicron Delta Epsilon, Alpha Lambda Delta, Phi Eta Sigma (1991)

• "Asset Allocation and Information Overload: The Influence of Information Display, Asset Choice and Investor Experience," recognized as the most cited article of all time published in the Journal of Behavioral Finance (Website visited 9/22/2024 Source: https://www.tandfonline.com/action/showMostCitedArticles?journalCode=hbhf20) (2024)
• Honorable Mention, International Centre for Pension Management Research Award for "Organizational Trust and Retirement Plan Investment" [Paper currently titled "The Effects of Organizational Trust on Investors' Expectations and Allocations] (2024)
• Runner-up, Best Academic Paper, Money Awareness and Inclusion Awards for "Feeling Comfortable with a Mortgage" (2024)
• Best Paper Award, CFP Center for Financial Planning Board, Academic Research Colloquium for Financial Planning and Related Disciplines, USA for "Who Pays the Price for Bad Advice" (2021)
• Paper selected as a finalist for the 2017 TIAA Paul A. Samuelson Award for "First Impressions Matter: An Experimental Investigation of Online Financial Advice" (2017)
• "Portfolio Choice and Trading in a Large 401(k) Plan" republished in Household Finance: The International Library of Critical Writings in Economics series, 309, Volume II, 2015, edited by Michael Haliassos (2015)
• "Do Behavioral Biases Vary Across Individuals?: Evidence from Individual Level 401(k) Data," summarized by William H. Sackley, CFA in the CFA Digest, May 2007, Vol. 37, No. 2: 92. (2007)
• "Portfolio Choice and Trading in a Large 401(k) Plan" summarized by James W. Vitalone, CFA in the CFA Digest, November 2003, Vol. 33, No. 4: 65-66. (2003)

(3,730 citations according to Google Scholar as of 1/21/2026)

• Sol Chung, Junhao Liu, Julie Agnew, Hazel Bateman, Christine Eckert, Fedor Iskhakov, Susan Thorp, "The Impact of Mortgage Brokers on Borrowers' Preferences and Perceptions," Journal of Economic Behavior and Organization, 2024, 224, 229-247.
• Susan Thorp, Junhao Liu, Julie Agnew, Hazel Bateman, Christine Eckert, and Fedor Iskhakov, "Feeling Comfortable with a Mortgage: The Impact of Framing, Financial Literacy and Advice," Journal of Financial Literacy and Wellbeing, 2023, 1(1), 47-78 [Inaugural Issue]
• Julie Agnew, Hazel Bateman, Christine Eckert, Fedor Iskhakov, Jordan Louviere and Susan Thorp, "First Impressions Matter: An Experimental Investigation of Online Financial Advice," Management Science, 2018, 64(1), 288-307.
• Julie Agnew, Lisa Anderson and Lisa Szykman. "An Experimental Study of the Effect of Prior Market Experience on Annuitization and Equity Allocations," Journal of Behavioral Finance, 2015, 16 (2), 120-129.
• Julie Agnew, Hazel Bateman and Susan Thorp, "Financial Literacy and Retirement Planning in Australia," Numeracy, 2013, 6(2), 1-25 (Article 7).
• Julie Agnew, Hazel Bateman and Susan Thorp, "Superannuation Knowledge and Plan Behaviour," JASSA: The Finsia Journal of Applied Finance, 2013, 1, 45-50.
• Julie Agnew, Hazel Bateman and Susan Thorp, "Work, Money, Lifestyle: Plans of Australian Retirees," JASSA: The Finsia Journal of Applied Finance. 2013, 1, 40-44.
• Julie Agnew, Lisa Szykman, Stephen P. Utkus and Jean A. Young, "Trust, Plan Knowledge and 401(k) Savings Behavior," Journal of Pension Economics and Finance, 2012, 11(1), 1-20.
• Julie Agnew, Lisa Anderson, Jeff Gerlach and Lisa Szykman, "Who Chooses Annuities: An Experiential Investigation of Gender, Framing and Defaults," The American Economic Review: Papers & Proceedings, 2008, 98 (2), 418-422.
• Julie Agnew, "Do Behavioral Biases Vary Across Individuals?: Evidence from Individual Level 401(k) Data," The Journal of Financial and Quantitative Analysis, 2006, 41 (4), 939-961.
• Julie Agnew and Lisa Szykman, "Asset Allocation and Information Overload: The Influence of Information Display, Asset Choice and Investor Experience," Journal of Behavioral Finance, 2005, 6 (2), 57-70.
• Julie Agnew, Pierluigi Balduzzi and Annika Sunden, "Portfolio Choice and Trading in a Large 401(k) Plan," The American Economic Review, March 2023, 93 (1), 193-215.

• Julie Agnew, "Behavioral Finance and Retirement Planning in Defined Contribution Plans," in Handbook of Financial Decision Making, Giles Hilary and David Mclean (eds.), Edward Elgar Publishing Ltd, 2023.
• Julie Agnew and Olivia Mitchell, "How Fintech is Reshaping the Retirement Planning Process," In The Disruptive Impact of FinTech on Retirement Systems, Julie Agnew and Olivia S. Mitchell (eds.), Oxford University Press, 2019.
• Julie Agnew and Lisa Szykman, "Annuities, Financial Literacy and Information Overload," In Financial Literacy: Implications for Retirement Security and the Financial Marketplace, Olivia S. Mitchell and Annamaria Lusardi (eds.), 260-297. Oxford University Press, 2011.
• Julie Agnew and Lisa Szykman, "Information Overload and Information Presentation in Financial Decision Making," In The Handbook of Behavioral Finance, Brian Bruce (ed.), 24-44. Edward Elgar Publisher, 2010.
• Julie Agnew, "Pension Plan Behavior," in Behavioral Finance. H. Kent Baker and John Nofsinger (eds.), 577-594. Hoboken, NJ: John Wiley & Sons, Inc., 2010.

• Julie Agnew and Olivia Mitchell, Eds., The Disruptive Impact of FinTech on Retirement Systems, Oxford University Press, 2019.
• Julie Agnew, Caroline Yeoh, Lau Geok Theng, and Mark Goh, Strategic Business Opportunities in the Growth Triangle, Longman Publishers, Singapore, 1992.

• Julie Agnew, Book Review of Saving for Retirement: Intention, Context, and Behavior, by Gordon L. Clark, Kendra Strauss and Janelle Knox-Hayes. Journal of Pension Economics and Finance, 2013, 13 (1), pp. 112-113.
• Julie Agnew, Book Review of Overcoming the Saving Slump, edited by Annamaria Lusardi. International Review of Economics and Finance, Volume 19, Issue 2, April 2010, pp. 349-350.
• Julie Agnew, Book Review of Individual Accounts for Social Security Reform: International Perspectives on the U.S. Debate by John Turner. Journal of Pension Economics and Finance, 2007, 6 (3), pp. 347-348.

• Julie Agnew, "Building a Better Retirement Nest Egg: Lessons from a Middle School Science Experiment," Pension Research Council Curated Forbes Blog, May 15, 2017.
• Julie Agnew, "Financial Literacy in an Auto Features World," DC Matters, Fall/Winter 2016, pp. 24.27.
• Julie Agnew, "Beware of Financial Advisers Who Make a Good First Impression," The Wall Street Journal's The Experts Wealth Management Blog, October 9, 2016. https://blogs.wsj.com/experts/2016/10/09/beware-of-financial-advisers-who-make-a-good-first-impression/
• Julie Agnew, "Australia's Retirement System: Strengths, Weaknesses, and Reforms," Center of Retirement Research Issue Brief 13-5, April 2013.
• Julie Agnew, "How Can Employers Encourage Young Workers to Save for Retirement?" with Nicole Montgomery and Lisa R. Szykman, Center for Retirement Issue Brief 12-7, March 2012.
• Julie Agnew "Retirement Savings, Framing and Financial Literacy," Memo prepared for the Financial Literacy in Times of Turmoil and Retirement Insecurity Conference, 2009.
• Julie Agnew, Lisa R. Anderson, Jeffrey R. Gerlach and Lisa R. Szykman, "The Annuity Puzzle and Negative Framing," Center for Retirement Research Issue Brief 8-10, July 2008.
• Julie Agnew, Lisa R. Anderson, Jeffrey R. Gerlach and Lisa R. Szykman. "An Experimental Study of Annuity Choice," This is a summary of the AER paper published on the FINRA Foundation website, 2008.
• Julie Agnew, Lisa Szykman, Stephen P. Utkus and Jean A. Young, "Do Financial Literacy and Mistrust Affect 401(k) Participation?" Center for Retirement Research Issue Brief 7-17, November 2007.

• Panelist, "Ph.D. Research" Careers in Finance Podcast Series, Boehly Center for Excellence in Finance, Episode 18: October 25, 2021.
• Moderator, "W&M Women: Intentional Strategic Values-Based Philanthropy," William & Mary Alumni Engagement Events, October 28, 2021.
• Panelist, "The Power of Mentorship," Careers in Finance Podcast Series, Boehly Center for Excellence in Finance, Episode 7: December 22, 2020.

• Julie Agnew, Michael Gropper, Angela Hung, Nicole Montgomery, and Susan Thorp, "The Effects of Organizational Trust on Investors' Expectations and Allocations" 2025.
  • Combination of two grant projects supported by TIAA Institute. The grant drafts can be found at these links: https://www.tiaainstitute.org/publication/analysis-white-label-funds-public-pension-plans (November 2022) and https://www.tiaainstitute.org/publication/white-labels-brands-and-trust (June 2019).
• Julie Agnew, Hazel Bateman, Christine Eckert, Fedor Iskhakov, and Susan Thorp, "Who Pays the Price for Bad Advice: The Role of Financial Vulnerability, Learning and Confirmation Bias," 2025.

• Julie Agnew and Josh Hurwitz, "Financial Education and Public Pension Plans," 2013. NBER Working Paper 18907.
• Julie Agnew, Lisa Szykman, Stephen Utkus, and Jean Young, "Target-Date Funds: Survey and Administrative Evidence," January 2013.
• Julie Agnew, Nicole Montgomery, and Lisa Szykman, "Saving for Tomorrow Today: How Message Framing Can Improve Savings Rates for Younger Workers," 2016.

• Discussant, "New Evidence on the Intensive Margins of Annuity Demand," by Jeff Brown, Brent Davis, James Poterba and David P. Richardson, The American Economic Association Conference, Philadelphia, PA. (2026)
• Discussant, "Is There a Tipping Point: Objective and Subjective Measures of Debt and Retirees' Wellbeing," by Sarah Holden, Jason S. Seligman and Emily Williams, The American Economic Association Conference, Philadelphia, PA. (2026)
• Discussant, "Health Information and the Quality of Financial Advice: Amateurs versus Professionals," by Olivia Mitchell and Abigail Hurwitz, The American Economic Association Conference, Philadelphia, PA. (2026)
• Presentation to Ph.D. Students in Finance at the University of Sydney. Sydney, Australia. (2025)
• "Organizational Trust and Retirement Plan Investment Choice," Poster Session, Boulder Summer Conference on Consumer Financial Decision Making. (2024)
• "White Label Funds." 31st Colloquium on Pensions and Retirement Research, Sydney, Australia. (2023)
• "Who Pays the Price for Bad Advice: The Role of Financial Vulnerability, Learning and Confirmation Bias," The University of Alabama. (2022)
• Keynote Address. International Pension Workshop, Netspar, The Netherlands (Virtual). (2022)
• Discussant "Choice Overload? Participation and Asset Allocation in French Employer-Sponsored Saving Plans," The American Economic Association Conference (Virtual). (2022)
• "Who Pays the Price for Bad Advice: The Role of Financial Vulnerability, Learning and Confirmation Bias," Academic Research Colloquium for Financial Planning and Related Disciplines, Virtual. (2021)
• Poster Session. "White-Labels, Brands, and Trust: How Mutual Fund Labels Affect Retirement Portfolios," Boulder Summer Conference on Consumer Financial Decision Making (CONFERENCE CANCELED due to COVID) (2020)
• Chair of Panel. "Facilitating Decision Making in the FinTech Era." Understanding and Overcoming Confusion in the Mortgage Market Workshop, Sydney, Australia. (2019)
• "White-labels, Brands and Trust: How Mutual Fund Labels Affect Retirement Portfolios." TIAA Institute Fellows Symposium: Putting Behavioral Finance to Work, NY, NY. (2019)
• Moderator and Organizer of Panel. "Future of Retirement Startups: Challenges and Opportunities." PRC Symposium at Wharton: Disruptive Impact of FinTech on Retirement Systems, Philadelphia, PA. (2018)
• "Learning and Confirmation Bias: Measuring the Impact of First Impressions and Ambiguous Signals." RAND Behavioral Finance (BeFi) Policy Forum, Washington, D.C. (2017)
• Keynote Address. AllianzGI-Oxford Pensions Conference, Oxford, England. (2017)
• Keynote Address. 15th International Conference on Pensions, Insurance and Savings, Paris, France. Organized by University Paris Dauphine and Oxford University, Smith School. (2017)
• Keynote Address. 2017 Academic Research Colloquium for Financial Planning and Related Disciplines, Washington, D.C. (2017)
• Discussant. "Older Women's Labor Market Attachment, Retirement Planning, and Household Debt" by Annamaria Lusardi and Olivia Mitchell. Women Working Longer NBER Conference, Boston, MA. (2016)
• "First Impressions Matter: An Experimental Investigation of Online Financial Advice." Frontiers of Behavioral Economics Conference, Singapore. (2015)
• "Individual Judgment and Trust Formation: An Experimental Investigation of Online Financial Advice." NBER Summer Institute: Household Finance, Boston, MA. (2014)
• Discussant. "Money Left on the Table: An Analysis of Employee Stock Purchase Plans" by Ilona Babenko and Rik Sen. Financial Intermediation Research Society Conference, Quebec, Canada. (2014)
• "Individual Judgment and Trust Formation: An Experimental Investigation of Online Financial Advice." RAND Behavioral Finance (BeFi) Policy Forum, Washington, D.C. (2014)
• "Individual Judgment and Trust Formation: An Experimental Investigation of Online Financial Advice." Boulder Summer Conference on Consumer Financial Decision Making, Boulder, CO. (2014)
• "Defaults Matter-Lessons from the U.S. Experience." ARC Centre of Excellence in Population Ageing Research (CEPAR) and the Research Institute for Policies on Pension and Ageing (RIPPA) Conference, Sydney, Australia. (2013)
• "Individual Judgment and Trust Formation: An Experimental Investigation of Online Financial Advice." Financial Literacy Seminar Series (FLSS), a joint initiative of the Global Financial Literacy Excellence Center (GFLEC) and the Federal Reserve Board, Washington, D.C. (2013)
• "Judging the Quality of Online Financial Advice: "The Good, the Bad and the Adviser." Australian Colloquium of Superannuation Researchers, Sydney, Australia. (2013)
• "Judging the Quality of Online Financial Advice: The Good, the Bad and the Adviser." Marketing and Public Policy Conference, Washington, D.C. (2013)
• "Judging the Quality of Online Financial Advice: The Good, the Bad and the Adviser." Poster Session Boulder Summer Conference on Consumer Financial Decision Making, Boulder, CO. (2013)
• "Target-Date Funds: Survey and Administrative Evidence." American Economic Association Conference, San Diego, CA. (2013)
• "Superannuation Knowledge and Plan Behavior in Australia." AIST Research Symposium, Melbourne, Australia. (2012)
• "Target-Date Investing, Behavioral Finance and Financial Literacy." UTS, Paul Woolley Centre for the Study of Capital Market Dysfunctionality, Sydney, Australia. (2012)
• "What People Know about Target Date Funds: Survey and Focus Group Evidence." University of New South Wales, Centre for Pensions and Superannuation Seminar Series, Sydney, Australia. (2012)
• "What People Know about Target Date Funds: Survey and Focus Group Evidence." University of Western Australia, Perth, Australia. (2012)
• "What People Know about Target Date Funds: Survey and Focus Group Evidence." University of Melbourne, Department of Finance, Melbourne, Australia. (2012)
• "Financial Education and Pension Plans." NBER Conference on Retirement Benefits for State and Local Employees, Jackson, Wyoming. (2012)
• "Financial Literacy Around the World: Preliminary Australian Results." Colloquium of Superannuation Researchers, UNSW, Sydney, Australia. (2012)
• "Excessive Extrapolation, Annuitization and Equity Allocations." Colloquium of Superannuation Researchers, UNSW, Sydney, Australia. (2012)
• "Excessive Extrapolation, Annuitization and Equity Allocations." Paul Woolley Centre for the Study of Capital Market Dysfunctionality Workshop, UTS, Sydney, Australia. (2012)
• "What People Know about Target Date Funds: Survey and Focus Group Evidence." First Annual Conference of the Financial Literacy Research Consortium: New Insights and Advances in Financial Literacy: Translation, Dissemination, Change, Washington, D.C. (2010)
• "Financial Literacy and Payouts." Financial Literacy: Implications for Retirement Security and the Financial Marketplace Conference, Pension Research Council Symposium at Wharton, Philadelphia, PA. (2010)
• "An Experimental Study of the Effect of Prior Market Experience on Annuitization and Equity Allocations." Darden Seminar Series, Charlottesville, VA. (2010)
• "The Reluctant Retirement Trader: Do Asset Returns Overcome Inertia?" The Improving Financial Literacy and Reshaping Financial Behavior Conference, Networks Financial Institute, Indianapolis, IN. (2009)
• "The Role of Framing in Retirement Saving Decision Making." Financial Literacy in Times of Turmoil and Retirement Insecurity Conference. Co-hosted by Wharton's Pension Research Council and Boettner Center, the University of Michigan Retirement Research Center and The Retirement Security Project/Brookings Institution. Funding by the Social Security Administration. Brookings Institute, Washington, D.C. (2009)
• "Who Chooses Annuities: An Experimental Investigation of Gender, Framing and Defaults." The American Economic Association Meeting, New Orleans, LA. (2008)
• "Personalized Retirement Advice and Managed Accounts: Who Uses Them and How Does Advice Affect Behavior in 401(k) Plans." Netspar, Amsterdam, Netherlands. (2007)
• "Personalized Retirement Advice and Managed Accounts: Who Uses Them and How Does Advice Affect Behavior in 401(k) Plans." The American Economic Association Conference, Boston, MA. (2006)
• "Asset Allocation and Information Overload: The Influence of Information Display, Asset Choice and Investor Experience." How to Increase the Effectiveness of Financial Education: Lessons from Economics and Psychology Conference, Dartmouth College, Hanover, NH. (2005)
• Discussant for two papers: "$100 Bills on the Sidewalk: Suboptimal Savings in 401(k) Plans." By James J. Choi, David Laibson, and Brigitte C. Madrian and "The Effects of Portfolio Choice on Retirement Wealth Outcomes" by Jeffrey R. Brown and Scott J. Weisbenner. The Retirement Research Consortium Seventh Annual Conference, Washington, D.C. (2005)
• "An Analysis of How Individuals React to Market Returns in One 401(k) Plan." The Sonderforchungsbereich (SFB) 504 at the University of Mannheim, Mannheim, Germany. (2005)
• "An Analysis of How Individuals React to Market Returns in One 401(k) Plan." William & Mary Economics Department, Williamsburg, VA. (2005)
• "Asset Allocation and Information Overload: The Influence of Information Display, Asset Choice and Investor Experience." Financial Management Association Meeting, New Orleans, LA. (2004)
• "An Analysis of How Individuals React to Market Returns in One 401(k) Plan." Frank Batten Young Scholars Conference Meeting, Williamsburg, VA. (2004)
• "What do we do with our Pension Money? Recent Evidence from 401(k) Plans." Retirement Research Consortium Fifth Annual Conference, Washington, D.C. (2003)
• "What do we do with our Pension Money? Recent Evidence from 401(k) Plans."** Wharton's Household Portfolio-Choice and Financial Decision-Making Conference, Philadelphia, PA. (2003)
• "What do we do with our Pension Money? Recent Evidence from 401(k) Plans."** American Finance Association Meeting, Washington, D.C. (2003)
• "Inefficient Choices in 401(k) Plans: Evidence from Individual Level Data." Drexel University, Philadelphia, PA. (2002)
• "Inefficient Choices in 401(k) Plans: Evidence from Individual Level Data." Federal Reserve Board of Governors, Washington, D.C. (2002)
• "Inefficient Choices in 401(k) Plans: Evidence from Individual Level Data." George Washington University, Washington, D.C. (2002)
• "Inefficient Choices in 401(k) Plans: Evidence from Individual Level Data." Georgia Tech, Atlanta, GA. (2002)
• "Inefficient Choices in 401(k) Plans: Evidence from Individual Level Data." William & Mary, Williamsburg, VA. (2002)
• "Inefficient Choices in 401(k) Plans: Evidence from Individual Level Data." University of Georgia, Athens, GA. (2002)
• "Inefficient Choices in 401(k) Plans: Evidence from Individual Level Data." University of Richmond, Richmond, VA. (2002)
• "Inefficient Choices in 401(k) Plans: Evidence from Individual Level Data." Financial Management Association Meeting, San Antonio, TX. (2002)
• "Inefficient Choices in 401(k) Plans: Evidence from Individual Level Data." Frank Batten Young Scholars Conference, Williamsburg, VA. (2002)
• "Inefficient Choices in 401(k) Plans: Evidence from Individual Level Data." Retirement Research Consortium Fourth Annual Conference, Washington, D.C. (2002)
• Discussant: "Investors Chase after Performance: Evidence from Mutual Fund Advertising" by Xiaofei Kong, Financial Management Association Meeting, San Antonio, TX. (2002)
• "Portfolio Choice and Trading in a Large 401(k) Plan." Financial Management Association Meeting, Seattle, WA. (2000)

• Organizational Trust and Retirement Plan Investment Choice" ICPM Global Webinar (2024)
• "Behavioral Finance and Participant Outcomes," NCTR 23rd Annual Trustee Workshop, Williamsburg, VA. (2023)
• "How Trust, Framing, and Financial Literacy Influence Participant Choice in DC Plans," ICPM Spring Discussion Forum. Toronto, Canada. (2022)
• "Investors Beware: The Potential High Cost of First Impressions and Confirmation Bias," Research Affiliates 2020 Investor Symposium (CONFERENCE CANCELED due to COVID) (2020)
• "Behavioral Research and Pension Choice: What We've Learned and What We Still Need to Know" Wharton PRC/CEPAR at UNSW/NETSPAR Inaugural Joint Conference on Research Challenges for Global Pensions: Trends and Heterogeneity, Paris, France. (2016)
• "Financial Literacy in an Auto Features World" DCIIA Academic Forum, Marina Del Ray, California. (2015)
• "Behavioral Economics and Effective Communications: Lessons from Academia" ASPPA Annual Conference, National Harbor, MD. (2015)
• "Financial Education for Effective Pension Management: Evidence from the U.S." OECD/JFSA High-level Global Symposium Promoting Better Lifetime Planning through Financial Education, Tokyo, Japan. (2015)
• "Pension Awareness and Pension Communication" Rotman International Centre for Pension Management, Toronto, Canada. (2014)
• Moderator Panel on Behavioral Finance. Women's Private Equity Conference, Washington, D.C. (2014)
• "Behavior Finance, Financial Literacy and Communications" Melbourne Financial Services Symposium, Melbourne, Australia. (2012)
• "Behavioral Finance, Financial Literacy and Communications" Defined Contribution Institutional Investment Association Academic Forum, Boston, MA. (2011)
• "Behavioral Finance and Investment Decisions." IFTA Conference, Berlin, Germany. (2010)
• "Behavior Patterns of the Retirement Investor: Lessons from Academia." MFEA Retirement Investment and Income Executive Council Forum, Boston, MA. (2010)
• "Behavioral Finance in Retirement Savings: The Role of Choices and Framing in Decision Making," AARP Retirement Income Summit, Washington, D.C. (2009)
• "Retirement Plans and Behavioral Finance: New Lessons from Academia." Central Virginia Employee Benefits Council, Richmond, VA. (2009)
• "Lessons from the U.S.: Gender, Savings and Defined Contribution Plans." The World Bank Workshop on Sharing the Growth Dividend: Women in the ECA Region, Washington, D.C. (2008)
• "Annuities and Behavior Finance." TIAA-CREF Institute Fellows Symposiums, New York, NY. (2007)
• "Behavioral Finance and 401(k) Plans." Florida West Coast Employees Benefits Council Dinner, Tampa, FL. (2006)
• "Recent Trends in Behavioral Finance." Richmond Estate Planning Council, Richmond, VA. (2005)
• "What's New from the Ivory Tower?" 401(k) Summit, San Diego, CA. (2005)
• "Delivery of Participant Services and Education." 401(k) Summit, San Diego, CA. (2005)
• "Investment Trends in 401(k) Plans and Plan Design." National Pension Specialists Meeting, Williamsburg, VA. (2003)

• Witness, Provided Testimony to a Full Committee Hearing before the United States Senate Committee on Health, Education, Labor and Pensions on "Simplifying Security: Encouraging Better Retirement Decisions,", February 3. (2011)
• Invited Panelist, Retirement Security Advisory Panel (RSAP), United States Government Accountability Office (GAO), Washington, D.C. (2007)

Conference Organizing

Wharton Pension Research Council AI and the Future of Retirement Conference (Co-Organizer): From DoG Street to Wall Street Conference (Organizer 2024, 2023, 2015, 2014, 2010, 2009, 2008,2007); 2018 Pension Research Council Symposium at Wharton "The Disruptive Impact of FinTech on Retirement Systems" (Co-organizer 2018); Women's Leadership Summit and Stock Pitch Competition (Co-organizer 2024, 2023, 2016); Batten Young Scholars Conference in Finance (Co-organizer 2006, Organizer 2004)

Prize Judging Committees

Selection Committee for the TIAA Paul A. Samuelson Award (2021, 2020, 2012, 2011) Ad Hoc Reviewer: American Economic Review, International Review of Economics and Finance, Journal of Consumer Affairs, Journal of Finance, Journal of Financial Intermediation, Journal of Human Resources, Management Science, Journal of Pension Economics and Finance, Numeracy, Review of Economics and Statistics, Journal of Retirement

Raymond A. Mason School of Business Service

Personnel Committee (2023-2015, 2018-2021 (Chair 2019-2020)); Boehly Center for Excellence in Finance Advisory Council (2021), Pre-Major Advisor (2020-2022); Associate Dean's Advisory Committee (2019-20220); Undergraduate Curriculum Revision Committee (Chair-2019); Search Committees (Boehly Center Executive Director Search 2018-2019; Finance Faculty 2017-2018, 2014, 2005-2006 (Chair), 2004-2005; Ethics Chair 2013, Boehly Center Associate Director 2013-2014 (Chair)); Curriculum Committee (2015-2017, 2013, 2010-2011); Faculty Engagement Task Force (2014-2015); Distinguished Curriculum Committee (2008 (Chair)); Teaching Evaluation Committees (2021 (Chair), 2013); Faculty Club Advisor Howard J. Busbee Finance Academy (2014-2016, 2008-2011, 2004-2007); Faculty Club Advisor Smart Woman Securities (2015-2016); Wall Street Program Chaperone (2014, 2007, 2006, 2005)

William & Mary Committee Service

Marshal (2021-2022); Values in Action (VIA) Selection Committee (Spring 2021); Presidential Search Committee (2017-2018); Human Subjects Committee (2013-2017; College Admission Policy Advisory Committee (2015-2016); Athletics Admission Subcommittee (2015-2016)

• TIAA Institute Grant ($62,000) "White Label Funds" (with Angela Hung, Michael Gropper, Nicole Montgomery and Susan Thorp) (2022)
• Australian Research Council (AUD$660,000) "Overcoming and Understanding Consumer Financial Decisions" (with Hazel Bateman, Christine Eckhert, Fedor Ishakov, Susan Thorp) [Due to COVID impact, grant funding extended through 2023] (2019-2021)
• TIAA Institute Grant ($75,000) "White Label Funds: How Important is the Name" (with Angela Hung, Nicole Montgomery and Susan Thorp) (2017-2018)
• The Reves Center ($500) Reves Faculty International Conference Travel Grant (2013)
• Social Security Administration ($742,754) Funded as part of the Financial Literacy Research Consortium (with Nicole Montgomery and Lisa Szykman) (2009-2011)
• FINRA Investor Education Foundation ($252, 649) "Experiments on Investment Choice: Annuities versus Lump Sum Payments" (with Lisa Anderson, Jeffrey Gerlach and Lisa Szykman) (2006-2009)
• Center for Retirement Research and the Social Security Administration ($30,000) "Non-Joiners versus Quitters: Determinants of Plan Participation in Voluntary and Automatic Enrollment Defined Contribution Plans" (with Lisa Szykman, Steve Utkus, Jean Young) (2005-2006)
• Center for Retirement Research and the Social Security Administration ($30,000) "Personalized Retirement Advice and Managed Accounts: Who Uses Them and How Does Advice Affect Behavior in 401(k) Plans" (2004-2005)
• Center for Retirement Research and the Social Security Administration ($30,000) "Asset Allocation and Information Overload: The Influence of Information Display, Asset Choice and Investor Experience" (with Lisa Szykman) (2002-2003)
• Center for Retirement Research and the Social Security Administration ($30,000) "An Analysis of How Individuals React to Market Returns in One 401(k) Plan" (2001-2002)
• Center for Retirement Research and the Social Security Administration ($20,000) Dissertation Fellowship for "Essays in Individual Investor Behavior in 401(k) Plans" (2001)
• Center for Retirement Research and the Social Security Administration "Portfolio Choice and Trading in a Large 401(k) Plan" (1999)