Research

You need answers.
ISFS is there.

  • Is the American Dream within the grasp of ordinary Americans?
  • Can financial literacy education programs be made more effective for the organizations that sponsor them?
  • How can financial and investor educators bring social and cultural context to their programs?

What We Do

Investigating Socio-Cultural Factors Behind Consumer Financial Decisions


The Institute for Socio-Financial Studies (ISFS) is an independent 501(c)3 non-profit organization that conducts feasibility, benchmarking, strategic development, and evaluation studies. ISFS takes a uniquely cross-disciplinary research approach that illuminates the socio-financial factors influencing consumer financial decision-making in today's changing marketplace.

Armed with this information, national and international organizations and professionals can create counseling, education, and planning activities that benefit their companies, clients, and employees. For more information about how ISFS can serve your organization, contact ISFS Director Lois A. Vitt.

Featured Projects


Before making a financial decision, take the LifeValues Quiz and other LifeValues exercises created by ISFS Founding Director, Dr. Lois A. Vitt. They can be found on the National Endowment for Financial Education (NEFE) Website at this address: http://smartaboutmoney.org/Tools-Resources/LifeValues-Quiz.aspx. NEFE funded the research that helped to advance the understandings behind the LifeValues Quiz. The Quiz and more can also be found in Dr. Vitt's book, You and Your Money, coauthored with Karen Murrell.

NEW: Understanding credit reports so that consumers can make wise financial decisions is the focus of ISFS at LearnAboutCreditReports.org, a website sponsored by Experian™.