|Title:||Assistant Professor of Personal Financial Planning|
I am an Assistant Professor of Personal Financial Planning in the Woodbury School of Business at UVU. I am also an Associate Planner with Evensky & Katz Wealth Management. I grew up in Provo and am happy to have returned with my beautiful wife and energetic daughter. I love to teach and find working with students very rewarding. I strive to blend an up-beat teaching style with current research and practical application.
I am excited that financial planning education is back in Utah Valley. The return of such an in-demand and necessary program will be a great benefit to our community members, students, and all those whom they serve.
About the Personal Financial Planning Major:
Utah Valley Universityâ€™s Woodbury School of Business began itâ€™s bachelor of science degree in Personal Financial Planning (PFP) in Fall Semester 2011. The curriculum includes an interdisciplinary mix of courses registered with the Certified Financial Planner Board of Standards, Inc. (CFPÂ® Board) to prepare graduates to sit for that and other certifications within the financial planning industry. The intent is to prepare graduates as fee-for-service professionals who will work with individuals and organizations in the planning and management of individual and business wealth.
This bachelor degree in PFP will be one of only a few such degrees offered through an institution accredited by The Association to Advance Collegiate Schools of Business (AACSB). Graduates will be expected to complete all the requirements appropriate to an accredited business degree plus forty additional academic credits in such financial planning courses as professional counseling, retirement planning, risk & insurance, estate management, trusts and probate, a paid internship, and practicum courses in financial planning and wealth management.
- Personal Financial Planning topics including: Investing and Wealth Management, Credit and Debt Management as well as Education, Retirement, Insurance, Estate and Tax Planning
- Wealth management and portfolio construction in fee-only planning
- Technology application and financial planning software
- Real estate investment and development
- The effect of inheritance and wealth transfer on net subsequent net worth and asset accumulation
- Life-cycle theory
- Time preference and personal characteristics as predictors of wealth dissipation
- Personal characteristics as predictors for demand of asset types
- College student spending and credit use behaviors
- Money attitudes and behaviors
Texas Tech University
Â· Ph.D. Personal Financial Planning; Graduation: August 2011
Â· Finance Emphasis & Specialization in Economics
Brigham Young University
Â· Masters, Marriage Family Human Development; Graduation: August 2007
Â· B.S., Linguistics; Graduation: April 2004
Â· Minor: Korean
Teaching Interests Include:
Investing and wealth management; credit and debt management; education funding; retirement planning and preparedness; insurance (life, health, property, long-term care & disability); estate and tax planning; portfolio construction and management; financial planning software; real estate investment and development.
I have an active and vibrant teaching style, designed to engage students in the learning process. I believe that most students will not exceed their professor in excitement on a topic. I make learning exciting by having fun while I teach. I believe that I can measure my effectiveness as a teacher, in part, by the things that I learn from my students. In the proper atmosphere, both the teacher and the students can learn.
I believe in setting high standards, allowing students to stretch while engaging in the learning process. I do not ask my students to do anything that I am not willing to do myself. I push myself to new heights, adopt new teaching methods, and learn from the experience of others as I grow as a teacher. I am consistent in my organization. Each class has a certain dynamic and flow, consistency in teaching style and organization helps keep manageable expectations.
I believe in using time efficiently and purposefully. Class time should be spent in the most efficient way possible, with preparation and a clear outcome. Assignments, tests, and other assessments, can be learning experiences as well. I strive to make every interaction between myself and my students as meaningful as possible. Even a test can be an opportunity to re-enforce fundamental principles and teach.
I begin with the end in mind. I enter the classroom prepared to use each moment as effectively as possible. Most of the time should be spent on the most important outcomes. Every minute spent talking about any topic gives that topic more credence. By spending most of my class time on the most important topics, I am assured that my focus is where it should be. I emphasize the most important action items first and continue in a logical order, designed to maximize student learning. Personal preparation and practice are key principles in effective teaching.
I believe that staying current on the research of our field is vital in helping students develop the cutting edge skills and critical thinking necessary to compete. Conducting my own research allows me to sharpen my skills; it keeps my mind sharp and motivates me to apply new ideas and theories into the classroom.
I enjoy the challenge of teaching. I am not intimidated by the prospect of allowing students to interject their ideas into the learning process. As a teacher, I am not simply a source of knowledge. At times, I may be a guidepost in a student led, interactive learning process. Other times, I may act as a lighthouse, providing guidance, while allowing students to experience the challenge of the learning process and the thrill of discovery.
Professional and Personal Interests Include:
Wealth management, portfolio construction and comprehensive financial planning in a fee-only planning practice; personal finance education in under-served populations; personal finance education from a religious perspective; real estate investment and development; distance running, hiking, gardening, fly fishing, most sports, and anything that I can do with my family.
Â· The Relationship Between Inheritance and Subsequent Wealth
Â· Time Preference as a Predictor of Dissipation Risk
Â· The Relationship Between Trust and Demand for Risky Assets
Â· Using Inheritance to Transfer Bequest Motives
Â· Money Attitudes as Motivation for Impulsive Buying
Â· Understanding the Anxiety Money Attitude in the Context of Impulsive Buying
Selected Scholarly Articles:
Â· Technology Use in Financial Planning Programs. Jacob Sybrowsky, Deena Katz, Craig Lemoine. Academy of Financial Services, Annual Conference, Anaheim, CA. Oct. 2010.
Â· Smart Technology Planning for Advisors. Jacob Sybrowsky, Craig Lemoine. Insurance News Magazine; April, 2009.
Â· Real Families, Real Answers, how to make wealth grow; Opportuinities for Students in Financial Planning and Graduate Studies. Jacob Sybrowsky. Utah Council on Family Relations, Annual Conference, Brigham Young University, Provo, Utah; April 3, 2009.
Â· Education planning for the middle class; Utilizing a multi-line approach to college savings. Jacob Sybrowsky, Craig Lemoine. Journal of Financial Services Professionals; January, 2009.
Â· The Effect of Transient Wealth Shocks on Subsequent Net Worth. Jacob Sybrowsky, Dr. Michael Finke. Academy of Financial Services, Annual Conference, Boston, MA. Oct. 2-4, 2008.
Â· The Effect of Credit Use and Debt Avoidance on the Paths Between Money Attitudes and Impulsive Buying Among U.S. College Students. Jacob Sybrowsky, Dr. Ivan Beutler, Tim Griesdorn. Academy of Financial Services, Annual Conference, Boston, MA. Oct. 2-4, 2008.
Â· Toward Understanding Financial Behavior: Effects of Money Attitudes on Financial Behaviors among U.S. College Students. Jacob Sybrowsky. Academy of Financial Services, Annual Conference, Orlando, FL. Oct. 16-17, 2007.
Â· Toward Understanding Money Attitudes and Impulsive Buying. Jacob Sybrowsky, Ivan F. Beutler. Western Region Family Economics Association, Bi-Annual Conference, Tucson, AZ. Jan. 2007.
Â· Paths toward Impulsive Buying: Mediating Effects of Credit Use and Debt Avoidance on Impulsive Buying. Jacob Sybrowsky, Ivan Beutler, J. Kelly McCoy. Association for Financial Counseling and Planning Education, Annual Conference, San Antonio, TX. Nov., 2006.
Â· The Financial Role of Earned and Entitled Allowances and the Economic Socialization of Children. Ivan F. Beutler, Jacob Sybrowsky. Association for Financial Counseling and Planning Education, Annual Conference, Scottsdale, AZ. Nov. 15-18, 2005.
Â· Teen Money Attitudes. Ivan F. Beutler, Lucy B. Beutler, J. Kelly McCoy, Denise Gorrell, Jacob Sybrowsky Utah Jump$tart Coalition, $tart $mart Teacher Summit, Salt Lake City, Utah, October, 2005.
Â· A Brave New World: Exchange Traded Funds Face Off Against Index Funds. Jacob Sybrowsky, Craig Israelsen. Journal of Indexes, July 2005,
Â· A Brave New World: Exchange Traded Funds Face Off Against Index Funds. Jacob Sybrowsky, Craig Israelsen. Ira R. Fulton Mentored Student Learning Conference, Brigham Young University, April 17, 2005.
Â· Adolescent Money Attitudes and Beliefs: The mediating effect of Credit Cards on Compulsive Buying among Adolescents. Ivan F. Beutler, Lucy Beutler, Jacob Sybrowsky, J. Kelly McKoy. Ira R. Fulton Mentored Student Learning Conference, Brigham Young University, April 17, 2005.
Â· Adolescent Money Attitudes and Beliefs:J. Kelly McCoy, Ivan F. Beutler, Lucy B. Beutler, Jacob Sybrowsky Utah Council on Family Relations, Annual Conference, Weber State University, Ogden, Utah April 9, 2005.
Â· Adolescent Beliefs Of What Money Will Buy: An Initial Inquiry. Todd M. Martin, Jacob Sybrowsky, Ivan F. Beutler, J. Kelly McCoy. Association for Financial Counseling and Planning Education, Annual Conference, Denver, CO. Nov. 17-21, 2004.
Â· Materialism Among Utah Adolescents:J. Kelly McCoy, Ivan F. Beutler, Lucy B. Beutler, Jacob Sybrowsky, Erin Teichert, Jessica Jones, Mary Ryan, Janae Hardy, Amber Clement, Amber Swenson. Utah Council on Family Relations, Annual Conference, Utah State University, Logan, Utah April 9, 2004.
Professional Work Experience:
Â· Assistant Professor of Personal Financial Planning, Department of Finance & Economics, Utah Valley University, 2010-Present
Â· Associate Planner, Evensky & Katz Wealth Management, Coral Gables, FL, 2008- Present
Â· Graduate Part-time Instructor, Personal Financial Planning, Texas Tech University, 2006-2009
Â· Chief Financial Officer, Just Pots Inc., 2004-2008
Â· Graduate Research Assistant, Marriage Family Human Development (MFHD), 2004-2006
Â· Teacher and Department Leader, Missionary Training Center, 2001-2005
Â· Undergraduate Research Assistant, Brigham Young University, Marriage Family Human Development, 2004
- Assistant Professor of Personal Financial Planning, Woodbury School of Business, Department of Finance & Economics, Utah Valley University, 2010-Present
- Graduate Part-Time Instructor, College of Human Science, Texas Tech University, 2006-2009
Â· Graduate Research Assistant, Marriage Family Human Development (MFHD), 2004-2006
Academic Administrative Experience:
- Community Outreach Specialists Director, Utah Valley University, 2010-Present
- Korean Area Zone Leader, BYU Missionary Training Center, 2003-2004
Â·College of Human Sciences: Doctoral Student of the Year, 2008
Â·Texas Tech Outstanding Graduate Instructor Award, 2007-08 academic year
- Board Member, Deseret Mutual Benefits Association, 2010-Present
- Co-Chair, UVU Assessment Committee, 2010-Present
- Family Finance Tutor, Brigham Young University M.F.H.D. Program, 2003-2006
- Board Member, Brigham Young university Library, 2002-2005
- LDS Missionary, California Los Angeles Mission (Korean Speaking), 1999-2001