EDUCATION

2020	Doctor of Philosophy in Personal Financial Planning, Texas Tech University, Texas     Dissertation: Three Essays on Student Debt and College Savings Advisor: Charlene M. Kalenkoski, Ph.D., CFP®
2020	Master of Science in Finance, Texas Tech University, Rawls College of Business, Texas
2018	Master of Science in Personal Financial Planning, Texas Tech University, Texas
2008	Master of Science in International Fisheries Management, University of Tromsø, Norway Thesis: Dealing with HIV/AIDS and Poverty in Fishing Communities: How Risky are Artisanal Marine Fisher-folks at Elmina in Ghana? Advisor: Jahn Petter Johnson, Ph.D.
2006	Degree of Master in Finance, University of Skӧvde, Sweden   Thesis:  Economic Value Added Approach to Financial Statement Analysis – A Focus on the Banking Industry in Ghana Advisor:  Max Zamanian, Ph.D.
2004	Bachelor of Science in Administration (Banking and Finance), First Class Honors, University of Ghana Long Essay: Funding Education in Ghana: The Case of Tertiary Institutions Advisor: Akua Ejisu

CERTIFICATION

CERTIFIED FINANCIAL PLANNERTM professional.

Ghana Stock Exchange Securities Industry Certificate.

POSITIONS AND EMPLOYMENT

2023 – present	CFP Board Program Director, Personal and Family Financial Planning, University of Arizona, Tucson, United States.
2020 – present	Assistant Professor, Personal and Family Financial Planning, University of Arizona, Tucson, United States.
2019 – 2020	Peer Financial Coach, Red to Black ®, Texas Tech University, Lubbock, Texas, United States.
2016 – 2020	Graduate Research Assistant, School of Financial Planning, Texas Tech University, Lubbock, United States.
2012 – 2027	Senior Lecturer in Finance, Entrepreneurship and Finance Department, Kumasi Technical University, Ghana.
2009 – 2016	Executive Director and Founder, Multinak Enterprise, Kumasi, Ghana.
2011 – 2012	Lecturer, Entrepreneurship and Finance Department, Kumasi Technical University, Ghana.
2009 – 2012	Lecturer, School of Business, Garden City University College, Kumasi, Ghana.
2009 – 2010	Finance Consultant, Royal Basin Resort Hotel, Kumasi, Ghana.
2004 – 2005	National Service Personnel (Customer Development), Unilever (Ghana) Limited, Tema, Ghana.

HONORS AND AWARDS

2023	CFP Board Best Paper Runner-up Award for Poster Presentation, Academy of Financial Services.
2023	Outstanding Reviewer Award in 2022, Journal of Financial Counseling and Planning, Recognized for exceptional contributions to peer review quality and dedication to the advancement of financial counseling and planning.
2023	Grant for Family Finance Research Renaissance Retreat, School of Family Life, Brigham Young University, Utah, June 12-14, 2023. The award included comprehensive coverage for travel, lodging, meals, and entertainment. Estimated Value: $ 2,000.
2022	National Endowment for Financial Education/Knology Financial Education Database Training Fellowship Award. May 2022 – September 2022. Total Award $5,000.
2022	Nominee, Richard L.D. Morse Early-Career Award, American Council on Consumer Interests (ACCI).
2021	Recipient of the Academy of Financial Counseling and Planning Education (AFCPE®) Outstanding Symposium Research Award. Total Award $500.