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Benjamin F. Cummings

Benjamin F. Cummings


Faculty Member Benjamin Cummings Landscape Photo

Associate Professor of Behavioral Finance

Areas of Expertise:

Charitable Giving, Education Planning Issues, Estate Planning, Financial Planning, Financial Planning Software & Technology, Individual Income Tax Planning, Life Insurance Planning, Life Insurance Practices, Portfolio Management, Retirement Planning

BS, Psychology, Utah State University
PhD, Personal Financial Planning, Texas Tech University


Benjamin F. Cummings, PhD, is Associate Professor of Behavioral Finance at The American College of Financial Services. His research focuses on making retirement, charitable, tax, and investment decisions.

Cummings has completed award-winning research on the use and value of financial advice. He has published research in the Journal of Financial Counseling and Planning, Geneva Papers on Risk and Insurance, Journal of Financial Planning, and the Journal of Financial Service Professionals. His works have been quoted in MarketWatch and USA Today.

On multiple occasions, Cummings has met with policymakers to discuss issues related to the financial planning profession. In 2015, he testified at a Department of Labor (DOL) hearing about the regulation of professional financial advice. He also contributed to projects funded by the Society of Actuaries (SOA) and the Investment Management Consultants Association (IMCA). He currently serves as the Director of Career Development for the Financial Planning Association Philadelphia Tri-State chapter.

Prior to joining The College, Cummings was an Assistant Professor in the Finance Department at Saint Joseph’s University and Program Director for the CFP Board-registered undergraduate financial planning program.  Previously, he was the Scholar in Residence at the Certified Financial Planner Board of Standards, Inc. (CFP Board). He also worked briefly for FJY Financial, a fee-only financial planning firm in Northern Virginia.

Cummings received a Bachelor of Science in Psychology from Utah State University, where he was the valedictorian of the Psychology Department. He later received a PhD in Personal Financial Planning from Texas Tech University.