Michael S. Gutter, Ph.D.

Michael S. Gutter, Ph.D., serves as an Associate Professor and Interim Family and Consumer Sciences State Program Leader at the University of Florida's Department of Family, Youth, and Community Sciences within the Institute for Food and Agricultural Sciences. With a BS in Family Financial Management and a Ph.D. in Family Resource Management from The Ohio State University, he has established himself as a prominent expert in financial education and capability. His research focuses on understanding the relationships between financial education, socialization, and financial capability, leading to the development of several successful extension programs including the Florida Master Money Mentor Volunteer Program, Florida Saves, and Fresh$tart Florida. His academic excellence was recognized with the Outstanding Conference Paper Award at the 2010 Association for Financial Counseling and Planning Education. As a member of the Editorial Board for the Journal of Financial Counseling and Planning, Dr. Gutter continues to shape the field of financial education while maintaining active involvement in the Association for Financial Counseling and Planning Education since his graduate school days.