Financial and Life Planning Resource Directory
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The Association for Integrative Financial and Life Planning
and The Life Planning Network
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Consumers/clients
Consumers/clients: Childhood, student years
Beller, Emily, "Bringing Intergenerational Social Mobility Research into the Twenty-first Century: Why Mothers Matter", American Sociological Review, August 2009
http://www2.asanet.org/journals/asr/abstracts.html
Beller argues that studies of how fathers influence their children’s future financial success tell only half the story.
Butrica, Barbara A., Three Considerations for Children's Savings Accounts
Urban Institute, November 13, 2008, Free
http://www.urban.org/UploadedPDF/411792_childrens_savings_considerations.pdf
Butrica emphasizes design issues for Children's Savings Accounts that will enhance the positive impact of such accounts.
Lusardi, Annamaria, et al, Financial Literacy among the Young: Evidence and Implications for Consumer Policy
Pension Research Council, 2009
http://www.pensionresearchcouncil.org/publications/document.php?file=802
The authors find that fewer than one-third of young adults possess basic knowledge of interest rates, inflation, and risk diversification. Financial literacy is strongly related to sociodemographic characteristics and family financial sophistication.
Stolz, Richard F., "Shielding Against College Investment Hazards and Bridging the Affordability Gap", Journal of Financial Planning, February 2010 (Vol. 23, No. 1)
Financial experts comment, focusing on investment risk, but also emphasizing the importance of understanding the big picture concerning both family finances more broadly and also issues beyond just the financial ones in college planning.
Consumers/clients: Early career
Greenberg, Anna and Keating, Jessica , Personal Finances: The Final Frontier for Social Media – Results of a National Survey of Young Adults
AARP Public Policy Institute, October 2009, Free
http://assets.aarp.org/rgcenter/econ/lifetuner.pdf
This report report reveals that financial issues constitute the greatest area of worry for young adults, though one they do not discuss much, even among their peers.
Keeter, Scott, and Taylor, Paul, Millenials, The
Pew Research Center, December 2009, Free
http://pewresearch.org/pubs/1437/millennials-profile
A study of the demographics and attitudes of twenty-somethings.
Millenial Inc.: What Your Company Will Look Like When Millennials Call the Shots
Mr Youth and Intrepid, 2010, Free
http://www.millennialinc.com/Millennial_Inc_PRINTPDF.pdf
This study uses several techniques to answer the question: How will the workplace change when today’s “millennial” generation takes charge ?
Millennials, The: Confident. Connected. Open to Change
Pew Research Center, February 2010, Free
http://pewsocialtrends.org/assets/pdf/millennials-confident-connected-open-to-change.pdf
A teen and twenty-something Americans, which characterizes them as confident, self-expressive, liberal, upbeat and open to change.
Religion Among the Millennials
Pew Research Center, February 2010, Free
http://pewresearch.org/pubs/1494/millennials-less-religious-in-practice-but-beliefs-quite-traditional
This study finds that while young American adults affiliate less with any particular faith and attend fewer religious services, their level of belief in God, heaven, and hell is comparable to that of their elders.
Consumers/clients: Family: Marriage
Consumers/clients: Family: Divorce, separation
Hale, Kelly D., et al, "Understanding the Factors Influencing the Income Gap between Divorcees", Journal of Financial Planning, December 2008 (Vol. 21, No. 12)
The authors find that, for women, being older, having fewer children, remarriage, and higher levels of education all help reduce the income gap between divorced spouses.
Singleton, Perry, Insult to Injury: Disability, Earnings, and Divorce
Boston College Center for Retirement Research, November 2009, Free
http://crr.bc.edu/images/stories/Working_Papers/wp_2009-25.pdf
Singleton finds that the effect of disability on divorce decreases with age, increases with education, and increases with disability severity.
Consumers/clients: Family: Widowhood, unmarried
Donnelly, Elizabeth A., and Hinterlong, James , "Changes in Social Participation and Volunteer Activity Among Recently Widowed Older Adults", Gerontologist, April 2010 (Vol. 50, No. 2)
http://gerontologist.oxfordjournals.org/content/50/2/158.abstract
Donnelly and Hinterlong found that older adults increase their reliance on sources of other social support following spousal loss but do not change their volunteer activities, suggesting that continuity of volunteer engagement and enhanced social participation are important following widowhood.
Shapiro, Matthew D., Buffering Shocks to Well-Being Late in Life
University of Michigan Retirement Research Center, September 2009, Free
http://www.mrrc.isr.umich.edu/publications/papers/pdf/wp211.pdf
Shapiro argues that neither reduced health nor widowhood (in either men or women) reduces economic well-being, since data shows that neither eventuality tends to lead to reductions in consumption.
Consumers/clients: Family: Gay, lesbian, non-traditional
Improving the Lives of LGBT Older Adults
Movement Advancement Project (MAP) and Services & Advocacy for Gay, Lesbian, Bisexual & Transgender Elders (SAGE), March 2010, Free
http://www.lgbtmap.org/file/advancing-equality-for-lgbt-elders.pdf
Among other findings: lesbian, gay, bisexual and transgender older adults tend to be less financially secure, find it more difficult to achieve good health and get good health care, and are more likely to face social isolation.
Consumers/clients: Family: Parent-child or -grandchild
Consumers/clients: Family: Siblings
Cicirelli, Victor G., "Sibling Death and Death Fear in Relation to Depressive Symptomatology in Older Adults", Journals of Gerontology Series B: Psychological Sciences and Social Sciences, January 2009 (Vol. 64, No. 1)
http://psychsocgerontology.oxfordjournals.org/cgi/reprint/64B/1/24, Free
Cicirelli measures the extent to which depressive feelings in old age relate to the death of siblings and the closeness of sibling relationships.
Consumers/clients: Mid-career, wealth-building
Consumers/clients: Late career, retirement
Consumers/clients: Aging
Consumers/clients: Ethnic or racial groups
Consumers/clients: Gender groups
Consumers/clients: Religious groups
Kanazawa, Satoshi, "Why Liberals and Atheists Are More Intelligent", Social Psychology Quarterly, June 2010 (Vol. 72, No. 1)
http://www.asanet.org/images/journals/docs/pdf/spq/Mar10SPQFeature.pdf
Kanazawa shows how analyses of the National Longitudinal Study of Adolescent Health, and the General Social Surveys, show that adolescent and adult intelligence significantly increases adult liberalism, atheism, and men’s (but not women’s) value on sexual exclusivity.
Shirbekk, Vegard, et al, "Secularism, Fundamentalism, or Catholicism? The Religious Composition of the United States to 2043", Journal for the Scientific Study of Religion, June 2010 (Vol. 49, No. 2)
http://www3.interscience.wiley.com/journal/123489418/abstract
The authors estimate that with the lower fertility rates that secular couples display, and continuing high immigration rates from Hispanic countries, the non-religious population will actually peak before 2043.
Consumers/clients: Geographic groups
Brown, Robert L., and Prus, Steven G. , New Findings on the International Relationship between Income Inequality and Population Health
Society of Actuaries / Living to 100 and Beyond Symposium, 2008, Free
http://www.soa.org/library/monographs/retirement-systems/living-to-100-and-beyond/2008/january/mono-li08-2a-brown.pdf
Statistical analysis does not find any correlation between income inequality and the health of the people, in developed nations. The correlation is with the overall wealth of the society, not the distribution of wealth.
Deaton, Angus S., Aging, Religion, and Health
National Bureau of Economic Research Working Papers, August 2009, $5.00
http://www.nber.org/papers/w15271
Deaton uses data from the Gallup World Poll to study correlations between religiosity, gender, health, and other factors. His findings support the customary observations, but reveal additional details - and also variations by country.
Fortinsky, Richard H., et al, "Primary Care Physicians’ Dementia Care Practices: Evidence of Geographic Variation", Gerontologist, April 2010 (Vol. 50, No. 2)
http://gerontologist.oxfordjournals.org/content/50/2/179.abstract
The authors found that medication prescription patterns, community resource referral patterns, and reported barriers to optimal dementia care vary considerably by geography and age among primary care physicians dealing with dementia patients.
Future of Retirement, The: It’s Time to Prepare
HBSC, 2009, Free
http://www.hsbc.com/1/2/retirement/interactive-report
In their fifth annual review, HBSC reports on a “perfect storm” of need and unpreparedness, in countries including Brazil, Canada, China, Dubai, France, Hong Kong, India, Japan, Mexico, Saudi Arabia, Singapore, South Korea, Turkey, the UK, and the US.
Hayashi, Chiemi, et al, Transforming Pensions and Healthcare in a Rapidly Ageing World: Opportunities and Collaborative Strategies
World Economic Forum, 2009, Free
http://www.weforum.org/pdf/scenarios/Transforming-Pensions-Healthcare.pdf
The authors argue for effective multi-stakeholder collaboration, transformational changes in thinking, and integrated retirement and healthcare solutions.
How Religious Is Your State?
Pew Research Center, January 2010, Free
http://pewresearch.org/pubs/1449/states-ranked-by-religiosity-four-measures
A state-by-state analysis of religiousness, based on the importance of religion in people's lives, frequency of attendance at worship services, frequency of prayer, and absolute certainty of belief in God.
SunLife Unretirement Index (Sun Life)
http://www.sunlife-usa.com/unretirementindex/index.cfm, Free
Offers results of separate retirement surveys for the U.S. and Canada.
Consumers/clients: Other / general / not specified