Submission Guidelines


The Journal of Personal Finance is distinctive in that it attempts to promote a symbiosis between academics and practicing professionals.  To that end, it offers academics an outlet for publishing empirical research as well as other articles of interest to practicing financial professionals.  Similarly, the Journal welcomes articles from financial advisors about client relationships, practice management, or firm operation or efficiencies.  The overriding question being – how can I/we as authors “connect” this topic with the Journal readers – recognizing that the audience is comprised of national and international constituents who are, each in their own way, practitioners, teachers, and students of financial planning.

The goal of the Journal is to give every researcher, consultant/coach or practitioner the opportunity to share their expertise with others committed to financial planning!The Journal of Personal Finance solicits empirical research, case studies, practice management articles, and literature reviews on financial planning and counseling and the delivery of financial products and services.   Articles are invited from practicing financial planners and counselors, academicians, financial services consultants and coaches, behavioral scientists, psychologists, and specialists employed in the financial services profession. 

Articles deal with all aspects of personal financial planning – theory; practice; practice management; financial services products; client relationship management; marketing; the economic, legal, or tax environment, or any other topic related to financial planning, counseling or services in the U.S. or internationally.  The Journal is committed to advancing the profession and practice of financial planning – both among those practicing as well as those teaching and studying in the classroom! Topics of interest to readers include:

  • Financial Planning Theory Development and Applications
  • Client Relationship Management
  • Financial Planning and Social Trends
  • Economic Issues, Trends – Domestic and International
  • Technology Issues
  • Planning For Client’s Special Needs
  • Regulation and Compliance
  • Ethics of Financial Planning
  • Practice Management Techniques
  • Novel or Innovative Planning Tools, Strategies or Techniques
  • “Tried and True” Successful Planning Tools, Strategies and Techniques
  • Investment Decision Management
  • Marketing Methods
  • Personnel Selection, Training and Management
  • Risk Assessment and Management
  • Marketing and Consumer Behavior Research
  • Employee Benefits and Assistance Planning
  • Employee Counseling
  • Retirement Products and Retirement Planning
  • Financial Counseling and Debt Management
  • Financial Literacy
  • Financial Planning Needs of Selected Population or Client Groups
  • Personal Finance or Financial Planning Research
  • Financial Planning Research Methodology and Statistical Methods
  • Computer Applications in Financial Planning
  • Book Reviews


  • General Guidelines For the Acceptance Of Articles

    1. Articles should be free of jargon and technical language – if used, be sure to define and explain terms for the reader who is not a specialist in that aspect of planning or who is not a researcher or statistician.  Authors are reminded to share their expertise by educating the reader – and recognizing that not all readers share the same knowledge base. But they do share a passion for financial planning!
    2. Empirical research articles must address how practitioners can use or apply research findings.   What are the implications, suggestions or applications for everyday practice and the advancement of financial planning?

    Specific Guidelines for the Submission of Articles

    Manuscripts should be well organized and clearly written.  The development of ideas and concepts should be complete and cogent.  Please avoid tedious or passive writing styles and the use of scientific jargon – especially in describing statistical analysis and results.  Authors should aim at achieving clear communication of ideas that speak not just to the “typical” practitioner, researcher or academic reader who is familiar with the terms or language – but to all readers.  Generic masculine pronouns or other sexist terminology should be avoided.   Avoid the use of personal pronouns such as “we found….”

    Be sure to follow guidelines from the Publication Manual of the American Psychological Association (APA) (5th Ed.) for formatting all headings, tables, and figures.  Tables should be understandable as a stand-alone source of information without benefit of the text.  All tables should be created using Word “table” formats.  Authors are responsible for supplying figures (e.g., graphs, illustrations, line drawings) as camera-ready art.  Art must be original and of a quality that can be photographed clearly.  All lines and printing must be in proportion to the text.

    References should also follow the style presented in The Publication Manual of the American Psychological Association (APA) (5th Ed.).  Authors are requested to check all references for completeness, including year, volume number, and pages for journal citations.  It is imperative that authors check to be sure that all references mentioned in the text are listed in the reference section.  Manuscripts should be written in third-person past tense style; avoid the use of pronouns such as “our study...”.  For other questions of style, consult the APA style manual. This manual is available at most bookstores and libraries or basic information is available on the Internet.  Finally, please double-space all references.  The use of footnotes or endnotes should be minimized. 

    Manuscript title and article headings should be concise – not to exceed 10 words if possible. On a separate page, place the title of the article, the names of the authors, their professional titles, and their institutional affiliations and contact information (address, phone, fax and email).

    Articles should include an abstract of not more than 150 words.  The abstract should express the central idea of the article in non-technical language and should appear on the first page of the text. A list of three to five key words should be provided directly below the abstract.

    Manuscripts should be submitted directly to the editor via email to rlytton@vt.edu  In addition to the email submission, please send an original and one copy of all material (2 copies total) on regular 8-1/2" x 11" white paper.  Double-space all material (including references), all lines of tables (including heads), and extensive quotes. Allow wide margins (at least one inch on all four sides).  Use a Word format (or something easily compatible), with all electronic file identifiers removed.  Submit manuscripts to:

    Ruth H. Lytton, Editor
    Journal of Personal Finance
    324 Hutcheson Hall-0401
    Virginia Tech
    Blacksburg, VA  24061

    Please never submit material for concurrent consideration by another publication. The International Association of Registered Financial Consultants copyrights articles published in the Journal of Personal Finance.  After a manuscript has been accepted for publication and after all revisions have been incorporated, manuscripts should be submitted to the Editor as an electronic file by email or on DVR.  Please label the DVR with the first author’s last name and manuscript title.  The DVR must be PC formatted; other disk forms cannot be accepted.

    For questions or to discuss an article with the editor, please call (540) 231-6678 (office), fax (540) 231-7417, or email  rlytton@mail.vt.edu.  Note that processing fees may be charged for manuscripts requiring significant editing or formatting changes.  The editor does not accept responsibility for damaged or lost paper submissions.  The editor reserves the right to make changes for clarity and consistency with the Journal of Personal Finance guidelines.

     A Primer on APA Style Guidelines

    The Journal of Personal Finance follows the The Publication Manual of the American Psychological Association (APA Manual) (5th Ed.) for style and format.   The APA Manual is available in bookstores or from the APA  on-line at www.apa.org/books/.  Summaries of the APA style and format guidelines also are available from a variety of Internet sources.  The following guidelines may be helpful for those who have used this formatting style.

    Reference citations within the manuscript should read as:
    Smith (1999) reported that ... and Blarney and Jones (2001) concluded that ...”

    Should Smith be cited again in this same paragraph, it would not be necessary to again site the 1999 date. 

    “This problem has been studied previously (e.g., Black et al., 1998; Smith & James, 1999;  Jones, Smith, & White, 2001).”

    The use the Black et al. reference would indicate that the complete list of authors has appeared previously in the manuscript. 

    References should appear at the end of the article as follows:
    This list of references should appear at the end of the main text (after any appendices, but before tables and legends for figures). References should be double spaced and listed in alphabetical order by author's name. Articles by the same author should be listed in descending order ranked by least current date and where applicable, alphabetized by the second author. Hanging indents should be used in the reference list.  Selected examples follow, although the manual offers many examples of different print and media publications.


    Book
    Silva, F. (1993). Psychometric foundations and behavioral assessment. Thousands Oaks, CA: Sage.


    Chapter in a Book
    Roszkowski, M.J., Snelbecker, G.E., & Leimberg, S.R. (1993). Risk tolerance and risk aversion. In S.R. Leimberg, M.J. Satinsky, R.T. LeClair, & R.J. Doyle, Jr. (Eds.), The tools and techniques of financial planning (4th ed., pp. 213-226). Cincinnati, OH: National Underwriter.


    Journals Paginated by Issue
    Grable, J.E., & Lytton, R.H. (1999). Financial risk tolerance revisited: The development of a risk assessment instrument. Financial Services Review, 8(3), 163-181.

    Print Article Retrieved from an Internet Source
    Garmaise, E. Long-run planning, short-term decisions:  Taking the measure of the investor’s evaluation period.  Journal of Financial Planning, 19(7), 68-75.  Retrieved August 23, 2007, from http://www.fpanet.org/journal/articles/2006_Issues/jfp0706-art8.cfm


 

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