Sandra J. Huston, PhD is an associate professor and director of the Personal Finance program in the department of Personal Financial Planning at Texas Tech University. Dr. Huston is an online education consultant for WebEd Consulting and also consults for The Financial Literacy Group in Washington, DC. She received a PhD in consumer economics from the University of Missouri-Columbia. Dr. Huston's research interests focus on human capital specifically related to personal finance (financial literacy) and the financial planning process, household use of financial advice, and the impact of financial sophistication on resource allocation within household portfolios. Dr. Huston was the 2013 recipient of the Chancellor's Council Distinguished Research Award and the 2014, 2015 & 2016 winner of the AFCPE® Outstanding Symposium Paper Award. She is currently developing her financial health model to illustrate how both functional finance (financial literacy) and perceptual finance impact our financial health. Dr. Huston also leads the AFCPE Research Task Force.