Benjamin F. Cummings, Ph.D.

Assistant Professor
Office: 239 Mandeville Hall
Phone: 610-660-2239
Fax: 610-660-1986

Curriculum Vitae (CV)

Benjamin’s research includes the use and value of financial advice, especially regarding retirement, charitable, and investment decisions. He has completed award-winning research on the impact of financial advisors on changes in wealth and asset allocation among older adults, determinants of seeking advice among older adults, and the impact of product complexity and cognitive ability on public policy. Benjamin has also worked as a research consultant on projects related to the use of professional financial advice, including a project funded by the Society of Actuaries (SOA).

Prior to coming to Saint Joseph's University, Benjamin was the Scholar in Residence at the Certified Financial Planner Board of Standards, Inc. (CFP Board). Previously, he worked as an instructor at Texas Tech University, where he also volunteered as a Red to Black® financial counselor, and he also worked briefly for FJY Financial, a fee-only financial planning firm in Northern Virginia.


  • B.S. Utah State University (2007)
  • Ph.D. Texas Tech University (2013)

Courses Taught

Undergraduate: FPL 200: Personal Financial Planning FPL 301: Estate Planning RMI 200: Introduction to Insurance FIN 200: Introduction to Finance

Graduate: FIN 601: Personal Financial Planning FIN 606: Estate Planning


Research Interests:

Financial decision making, especially retirement, tax, and charitable planning decisions; the use and value of financial advice; financial planning expertise