Ruth H. Lytton Associate Professor Financial Planning Ph.D. 1986, Virginia Tech Office: 324 Hutcheson Hall Phone: (540) 231-6678 FAX: (540) 231-7417 E-mail: rlytton@vt.edu

Ruth Lytton joined the AAEC faculty in 2006 and works with the Financial Planning option, providing student services (e.g., academic/career advising, internship supervision, and placement) and instructing a variety of courses in support of the option.  She also serves as Director of the Certified Financial Planner™ Board of Standards, Inc. and the International Association of Registered Financial Consultants registered undergraduate program at Virginia Tech.  Dr. Lytton has received various student association, university, and national professional association awards for her contributions as a teacher, researcher, and career/academic advisor, including the College of Human Resources Certificate of Teaching Excellence, College of Human Resources and Education Excellence in Undergraduate Student Advising Award, and the Virginia Tech Award for Excellence in Career Advising.

Dr. Lytton is an academic member of the Financial Planning Association (FPA), the National Association of Personal Financial Advisors (NAPFA), and the International Association of Registered Financial Consultants (IARFC), for whom she currently serves on the Board of Directors.  She also serves as an Advisory Editor for the Social Science Research Network's (SSRN) Journal in Behavioral & Experimental Finance and as Editor of the Journal of Personal Finance.

Selected Publications:

Grable, J. E., Klock, D. D, & Lytton, R. H. (forthcoming, 2007).  A Case Approach to Financial Planning: Writing a Financial Plan. Cincinnati: The National Underwriter Co.

Lytton, R. H. & Klock, D. D.  (2007). Instructor’s manual.  To accompany A. J. Keown, Personal Finance Turning Money Into Wealth, (4th Ed.), 2007.  Upper Saddle River, NJ: Pearson-Prentice Hall.

Lytton, R. H., Grable, J. E. & Klock, D. D. (2006). The Process of Financial Planning: Developing a Financial Plan. Cincinnati:  The National Underwriter Co.

Grable, J. E., Lytton, R. H., O’Neill, B., Joo, S., Klock, D. D. (2006, Summer).  Risk tolerance, projection bias, vividness, and equity prices.  The Journal of Investing, 15(2), 68-74.

Grable, J. E., Roszkowski, M., Joo, S., O’Neill, B. & Lytton, R. H. (2006).  How well do individuals assess their own risk tolerance? An empirical investigation.  Consumer Interests Annual, 52. 217. Ames, IA:  ACCI. (Abstract)

Lytton, R. H. & Klock, D. (2004). Instructor's  manual. To accompany A. J. Keown, Personal Finance, Turning Money Into Wealth (3rd  Ed.).  Upper Saddle River, NJ: Prentice Hall.

Grable, J. E., Lytton, R. H., & O’Neill, B. (2004). Projection bias and financial risk tolerance.  Journal of Behavioral Finance, 5(3), 240-245.

Lytton, R. H., & Grable, J. E.  (2004). FCS (family and consumer sciences) academic programs and financial planning industry:  Partnering to meet growing demand.  Journal of Family and Consumer Sciences, 96, 40-45.
           
Grable, J. E. & Lytton, R. H. (2003). The development of a risk assessment instrument: A follow-up study. Financial Services Review, 12, 257-274.

Lytton, R. H., Grable, J. E., & Klock, D. (2001). Student study guide. To accompany A. J. Keown, Personal Finance, Turning Money Into Wealth (2nd Ed.). Upper Saddle River, NJ: Prentice Hall.

Lytton, R. H., Grable, J. E., & Klock, D. (2001). Instructor's  manual. To accompany A. J. Keown, Personal Finance, Turning Money Into Wealth (2nd Ed.).  Upper Saddle River, NJ: Prentice Hall.

Grable, J. E. & Lytton, R. H. (2001).  Assessing the concurrent validity of the SCF risk tolerance question.  Journal of Financial Counseling and Planning, 12, (2), 43-52.

Lytton, R. H., Decker, L. R., & Grable, J. E. (2001).  Student credit card debt:  Looking beyond the financial issue.  Family Economics & Resource Management Biennial, 4, 105-113.