Benjamin F. Cummings, PhD, CFP®, is a partner and the Chief Compliance Officer at Blue Barn Wealth as well as the director of the Masters Program in Personal Financial Planning at Utah Valley University, which is one of the top personal financial planning programs in the country. Benjamin has completed award-winning research, including the best paper of the year in the Journal of Financial Counseling and Planning. He has also published research in the Journal of Financial Planning, the Journal of Financial Service Professionals and the Geneva Papers on Risk and Insurance. He is the new editor of the Journal of Personal Finance and he has been quoted in national media, including MarketWatc