Stephen is a behavioral scientist who studies financial behavior and how digital products can help individuals manage their money more effectively. He serves as Head of Behavioral Science at Morningstar (HelloWallet’s parent company), where he leads a team of behavioral scientists and practitioners to conduct original research on saving and investment behavior.
Stephen holds a BA from U.C. Berkeley, a Master’s from Johns Hopkins-SAIS, and a PhD from the University of Maryland, where he analyzed the dynamics of behavioral change over time. He has two wonderful kids, who don’t care about behavioral science at all.