College of Family and Consumer Sciences
|Degree||Field of Study||Institution||Graduation|
|Ph.D.||Personal Financial Planning/Behavioral Finance||Kansas State University||2012|
|MBA||Finance and Taxation||University of Connecticut||1979|
|BGS||Liberal Arts||The Ohio University||1973|
I aspire to bring applied research to financial planning practitioners in an effort to provide practical solutions to client-focused challenges.
I currently teach in the online PFP Masters Program and Double Dawgs Joint JD/MSFS Program.
Prior Professional Positions
|Organization||Title||Years of Service|
|Eagle Ridge Investment Management, LLC||Investment Officer/Director of Financial Planning||2017-present|
|Chapin Asset Management||Co-founder, CEO, CIO||1992-2017|
|Bankers Trust Company (now Deutsche Bank)||Vice President & Team Leader||1985-1993|
|Connecticut Bank & Trust Co (now Bank of America)||Vice President||1973-1985|
|Kansas State University||Assistant Professor||2011-2019|
|Award Name||Awarded By||Year Awarded|
|Faculty Excellence Award||Great Plains Interactive Distance Alliance (GPIDEA)||2016|
|Position||Name of Journal||Year(s)|
|Reviewer||Journal of Financial Planning||2013 - present|
|Reviewer||Journal of Financial Therapy||2013-2017|
|Member, Editorial Advisory Board||Trust & Investments Magazine||2001-2006|
|Member, Editorial Advisory Board||Trusts & Estates Magazine||1994-2002|
|CFP® Board||Registered Program Faculty||10||Instructor|
|CFP® Board & Columbia University||CFP® Board Financial Planning Teaching Program||4||Instructor|
I currently participate in various CFP® Board initiatives, including Center for Financial Planning, Journal of Financial Therapy and Journal of Financial Planning
Areas of Expertise
Estate Planning, Fiduciary Income Taxation, Portfolio Management, Retirement Planning, Comprehensive Financial Planning, Applied Behavioral Finance, Financial Planning Practice Management & Entrepreneurship
Completing 50 years as a Wealth Manager/Financial Planner June 2023
Transitioned into Academia while pursuing a PhD at Kansas State University August 2009
Grable, J. E., Sages, R. A., & Krueger, M. (December, 2022). The Case Approach to Financial Planning. Fifth Edition, Erlanger, KY: National Underwriter.
Sages, R. A. & Chatterjee, S. (2022). Client psychology barriers in the financial planning process and strategies for overcoming them. In Certified Financial Planning Board of Standards, S. Chatterjee, S. Lutter & D. Yeske, (Eds.),The Psychology of Financial Planning, Erlanger: ALM.
Chatterjee, S. & Sages, R. A. (2022). Multifaceted communication. In Certified Financial Planning Board of Standards, S. Chatterjee, S. Lutter & D. Yeske, (Eds.),The Psychology of Financial Planning, Erlanger: ALM.
Sages, R. A. (2015). Implementing the financial planning recommendations. In Certified Financial Planning Board of Standards and C. R. Chaffin (Eds.), The Financial Planning Competency Handbook, Second Edition, Hoboken: Wiley.
Grable, J. E., & Sages, R. A. (2015). Financial planning process. In Certified Financial Planning Board of Standards and C. R. Chaffin (Eds.), The Financial Planning Competency Handbook, Second Edition, Hoboken: Wiley.
Sages, R. A., Griesdorn, T., Archuleta, K. L., & Gudmunson, C. G. (2014). Assessment in financial therapy: Merging standard financial planning approaches with emerging financial therapy assessments. In B. Klontz, S. Britt, & K. Archuleta (Eds.), Financial therapy: Research, practice, and policy, New York: Springer.
Grable, J. E., & Sages, R. A. (2013). Financial planning process. In Certified Financial Planning Board of Standards (Eds.), The Financial Planning Competency Handbook, Hoboken: Wiley.
Feldman, S., Groppelli, A. A., & Sages, R. A. (1986). Bank Trust Departments. In F. J. Fabozzi & F. G. Zarb (Eds.), The Handbook of Financial Markets: Securities, Options, Futures (pp. 534-538). Homewood, IL: Dow Jones-Irwin.
FHCE 6220E Advanced Estate Planning
FHCE 6250E Practice Management
I currently am focusing on Applied Behavioral Finance research surrounding the discipline of estate planning, incorporating behavioral factors associated with probate litigation within traditional and blended families.
Archuleta, K. L., Stueve, C., Stebbins, R., Kemnitz, R., Chaffin, C. R., Williams, K. K., Poplaski, S. C., Sages, R. A., Tibbetts, R. H., Burr, E. A. (2019). Exploring perceptions of graduates’ experiences that impact CFP® certification: A multiple case inquiry. Journal of Financial Counseling and Planning.
Carr, N. A., Sages, R. A., Nabeshema, G., Fernatt, F., & Grable, J. E. (2015). Health information search and retirement planning. Journal of Financial Counseling and Planning, 26(1), 3-16.
Sages, R. A., Britt, S. L., & Cumbie, J. A. (2013). The correlation between anxiety and money management. College Student Journal, 47(1), 1-11.
Anderson, N. G., Fernatt, F., Rodermund, R., Sages, R. A., & Grable, J. E. (2012). Mama’s boys and nature’s girls: Explaining differences in risk attitudes between women and men. Global Journal of Human Social Sciences, 12(15), 1-11.
Sages, R. A., & Grable, J. E. (2010). Financial numeracy, net worth, and financial management skills: Client characteristics that differ based on financial risk tolerance. Journal of Financial Service Professionals, 64(6), 57-63.
Sages, R. A., & Seay, M. C. (2014). The practical and potentially perilous pitfalls of portability. Journal of Financial Planning, 27(4), 56-62.
Sages, R. A., & Britt, S. L. (2012). Introducing clients to financial therapy. Trusts and Estates, 151(3), 31-35.
Sages, R. A. (1997). Industry professionals: Are you 2000 conversant? Trusts & Estates, 136(1), 46-48.
Sages, R. A. (1996). ¢ense and profitability. Trusts & Estates, 135(8), 27-29.
Sages, R. A. (1996). Getting better is the alpha, there can be no omega! Trusts & Estates, 135(1), 51-55.
Sages, R. A., & Keden, H. M. (1996). Supercharging popular wealth transfer planning vehicles. Trusts & Estates, 135(9), 45-61.
Sages, R. A. (1995). Avoiding the tarpits; Paleontological survival, Trusts & Estates, 134(1), 26.
Sages, R. A. (1994). Too busy to train, technically speaking?, Directions Newsletter, (The Center For Financial Services Research), 3 Reprinted (1994). ABA Management Update, 19.
Sages, R. A. (1994). The new prudent investor rule and the duty not to delegate. Trust and Financial Advisor, 2. 7-14. Reprinted (1995). Trusts & Estates, 134(5). 22-29. Reprinted (1995). Trusts & Trustees and International Asset Management,1(7), 20-27.
Sages, R. A., Keden, H. M., & Herritt, D. J. (1994). Watch out for taxes on IRAs!, Private Asset Management, Institutional Investor.
Sages, R. A., Keden, H. M., & Herritt, D. J. (1994). Considerations in choosing a common investment alternative. Trusts & Estates, 133(3), 45-52.
Sages, R. A., Keden, H. M., & Herritt, D. J. (1993). Business as anything but usual. Trusts & Estates, 132(9), 8-14.