Dr. Harness was formerly an Associate Professor of Finance and Executive Director of Global Programs at Texas A&M University-Commerce and Assistant Professor of Financial Planning at the University of Georgia. As Director of Financial Planning at Texas A&M, Dr. Harness manages the curriculum, enrollment, and development of the financial planning minor and certificate program in financial planning. He teaches courses in investments, introductions to financial planning, retirement planning, and financial planning capstone and has lectured internationally on global financial risk and international investing. He holds a Bachelor’s degree in finance from the University of Central Arkansas, Master’s degree in finance from Texas Tech University, and Ph.D. in personal financial planning from Texas Tech University. His research on household heuristics, wealth accumulation, and retirement planning has been published in numerous journals including Applied Economic Letters, Financial Services Review, the Journal of Financial Planning, and the Journal of Personal Finance.