Michael Finke, Ph.D., CFP® is a Professor and Frank M. Engle Distinguished Chair in Economic Security at The American College of Financial Services. Dr. Finke served as the editor of the Journal of Personal Finance and is a contributing editor at Investment Advisor magazine. He received a doctorate in consumer economics from the Ohio State University in 1998 and in finance from the University of Missouri in 2011. Finke was named to the 2013 and 2014 Investment Advisor IA25 list and the 2012 Investment News Power 20, and received the Montgomery Warschauer best paper award from the Journal of Financial Planning in 2013 and 2014, and the CFP Board Center for Financial Planning Best Paper Award in investments in 2017. Dr. Finke has worked on a number of initiatives to help advisors and consumers recognize the value of retirement income planning products and strategies. This includes development of products concepts including conducting consumer surveys, product design, and implementing a successful marketing plan. http://www.michaelfinke.com/home.html