Volume 16 marks the beginning of my sixth (and final) year as editor of Financial Services Review. I am grateful for the continued support of the Academy of Financial Services Board of Directors. Beginning with Volume 17, Stuart Michelson of Stetson University will become editor. My goal is to provide Stuart with a strong foundation for FSR to continue to publish the best academic articles in personal financial planning and individual financial management.

The lead article in Issue 1 of Volume 16 is by Professor William Reichenstein. He is the Powers Chair of Investment Management at Baylor University. In this paper, he adds to his line of research on the choice of savings vehicles. He ...

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