School of Business

Derek Tharp

Assistant Professor of Finance

Office Location

513 Luther Bonney Hall

Faculty Office Hours Fall 2020

By appointment



Academic Degrees

  • Ph.D in Personal Financial Planning, Kansas State University 2017
  • M.F.C.S. Family Financial Planning, Iowa State University 2012
  • B.S. Finance (Economics minor), Iowa State University, magna cum laude 2012

Recent Publications

Tharp, D. T., Camarda, J., Lee, S., de Jong, P. J. (in press). Do CFP® Professionals engage in less misconduct? Exploring the importance of job classification when comparing misconduct rates among financial service professionals. Applied Economics Letters.

Tharp, D. T., Lurtz, M., Mielitz, K., Kitces, M., & Ammerman, D. A. (in press). Technology use and time spent in the financial planning process. Journal of Financial Counseling and Planning.


Hickey, C. & Tharp, D. T. (in press). U.S. Health insurance marketplace taxonomy and the influence of labeling on consumer perception of plan suitability. Journal of Consumer Affairs.
Tharp, D. T. (in press). Emotional closeness of conversation partners and emotional control with implications for financial service professionals. Journal of Financial Service Professionals.

Tharp, D. T. & Parks-Stamm, E. J. (in press). Gender differences in the intended use of parental leave benefits: Implications for human capital development. Journal of Family and Economic Issues

Tharp, D. T. (2020). Consumer perceptions of financial advisory titles in the United States and implications for title regulation. International Journal of Consumer Studies44(6), 597-615.

Tharp, D. T., Seay, M. C., Carswell, A. T., & MacDonald, M. (2020). Big Five personality traits, dispositional affect, and financial satisfaction among older adults. Personality and Individual Differences166, 110211.

Tharp, D. T. (2020). Potential consumer harm due to regulation on financial advisory communication in the FinTech Age. Journal of Financial Counseling and Planning31(1), 146-161.

Tharp, D. T., Seay, M. C., Stueve, C., & Anderson, S. (2020). Financial satisfaction and homeownership. Journal of Family and Economic Issues41, 255-280.

Lurtz, M., Tharp, D. T., Mielitz, K., Kitces, M., & Ammerman, D. A. (2020). Decomposing the gender divorce gap among personal financial planners. Journal of Family and Economic Issues41, 19-36. 

Tharp, D. T., Lurtz, M., Mielitz, K., Kitces, M., & Ammerman, D. A. (2019). Examining the gender pay gap among financial planning professionals: A Blinder-Oaxaca decomposition. Financial Planning Review2(3-4), e1061.

Klontz, B. T., Zabek, F., Taylor, C., Bivens, A., Horwitz, E., Klontz, P. T., Tharp, D. T., & Lurtz, M. (2019). Sentimental Savings Study: Results of a double-blind, randomized control experiment to increase personal savings. Journal of Financial Planning32(10), 44-55.

Tharp, D. T. (2018). The behaviorally-enlightened fiduciary: addressing moral dilemmas through a decision-theoretic model of moral value judgment. Journal of Personal Finance17(1), 69-85.

Tharp, D. T. & Kitces, M. (2018). Life-cycle earnings curves and safe savings rates. Journal of Retirement5(3), 109-120.