Nathan Harness

Nathan Harness, Ph.D., CFP® is an Instructional Professor in the Department of Agricultural Economics and T.D. Ameritrade Director of Financial Planning at Texas A&M University's College of Agriculture and Life Sciences. He holds a B.S. in Finance from the University of Central Arkansas, M.S. in Finance from Texas Tech University, and Ph.D. in Personal Finance Planning from Texas Tech University.

His research focuses on:

• Personal financial ratio analysis
• Household heuristics and wealth accumulation patterns
• Individual stock selection strategies

Dr. Harness's recent publications demonstrate a consistent focus on retirement planning, financial advisory effectiveness, and behavioral aspects of personal finance. His work particularly examines how psychological factors like self-efficacy influence financial decision-making among retirees and affluent households. Research frequently incorporates analysis of annuities, healthcare funding, and wealth preservation strategies.

Prior to joining Texas A&M in 2013, he taught at the University of Georgia and Texas A&M University-Commerce, where he developed expertise in investment planning, retirement planning, and financial capstone courses.