Nathan Harness, Ph.D., CFP®, TD Ameritrade Director of Financial Planning, Texas A&M University, focuses his research on personal financial ratio analysis, household heuristics and wealth accumulation, and individual stock selection. Named to the Investment News “40 Under 40 List” in 2016, Professor Harness has taught the investment planning, retirement planning, and the financial planning capstone courses in the financial planning curriculum at Texas A&M since 2013. A national and international lecturer on global financial risk, international investing, gender-based asset preferences, and next generation planning, he has been published in Applied Economic Letters, Financial Services Review, International Journal of Business and Finance Research, Journal of Financial Services Professionals, Financial Counseling and Planning, and the Journal of Personal Finance. Previously, he taught and served as executive director of global programs at Texas A&M University (Commerce) and served as a faculty member at the University of Georgia (Athens). He earned a B.S. in finance, University of Central Arkansas, and a M.S. in finance and Ph.D. in personal financial planning, Texas Tech University.