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Dr. Benjamin F. Cummings, CFP®

Associate Professor of Behavioral Finance

Dr. Benjamin F. Cummings, CFP®, is Associate Professor of Behavioral Finance at The American College of Financial Services. His primary responsibilities include teaching behavioral finance in the Financial and Retirement Planning PhD program and advising doctoral candidates on dissertation research. His research focuses on making retirement, charitable, tax, and investment decisions.

Prior to joining The College, Dr. Cummings was an Assistant Professor in the Finance Department at Saint Joseph’s University and Program Director for the CFP Board-registered undergraduate financial planning program. Previously, he was the Scholar in Residence at the Certified Financial Planner Board of Standards, Inc. (CFP Board). He also worked briefly for FJY Financial, a fee-only financial planning firm in Northern Virginia.

Posts by Dr. Benjamin F. Cummings, CFP®
Wealth Management

Two Decision Making Systems

The change in attitude between planning and reality is similar to what happens when you set an alarm clock. You decide the most reasonable time to wake up the night before. Then,...

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Financial Planning

Appointing a Digital Fiduciary for Your Clients’ Digital Assets

Discussing difficult subjects like death and incapacity are often unwelcome yet incredibly necessary client conversations. Perhaps one way to ease into these difficult topics is...

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Retirement

Pros and Cons of 6 Fee-Based Options for Financial Advisors

One of the biggest changes in the financial services profession since the Conflict of Interest Rule was finalized has been the shift from traditional commission-based compensation...

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DOL

Why Should You Care About BICE vs. BICE Lite?

 Merrill Lynch recently announced that they would no longer offer commission-based products in Individual Retirement Accounts (IRAs). Why would Merrill make such a decision? They...

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The American College of Financial Services is a nonprofit educational institution and does not provide tax, legal, investment or accounting advice. The content above is for educational purposes only, and is not intended to provide, and should not be relied on for, tax, legal, investment or accounting advice.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNERTM, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.