1. K-State home
  2. »College of Human Ecology
  3. »Personal Financial Planning
  4. »People
  5. »Faculty
  6. »Sonya Lutter

Institute of Personal Financial Planning

Certified Financial Planner Board of Standards Inc. owns the marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP (with flame logo)®, which it awards to individuals who successfully complete initial and ongoing certification requirements. Kansas State University does not certify individuals to use the CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP (with flame logo)® certification marks. CFP® Certification is granted only by the Certified Financial Planner Board of Standards Inc. to those persons who, in addition to completing an educational requirement such as this CFP Board-Registered Program, have met its ethics, experience and examination requirements.

Institute of Personal Financial Planning
Kansas State University
307 Justin Hall
Manhattan, KS 66506-1403

785-532-5505 fax

Sonya Britt-Lutter

Sonya Lutter (Britt)

Associate Professor

Contact Information

317 Justin Hall

Courses I Teach

  • PFP 456 Financial Counseling and Communication (undergraduate)
  • FSHS 890 Research Methods II (doctoral)
  • PFP 771 Financial Therapy Theory and Research (graduate)
  • PFP 808 Research Application in PFP (graduate)


  • Ph.D. in Personal Financial Planning, Texas Tech University, Lubbock (2010)
  • M.S. in Marriage and Family Therapy, Kansas State University, Manhattan (2005)
  • B.S. in Personal Financial Planning, Kansas State University, Manhattan (2003)

Short Biography

Dr. Sonya Britt-Lutter is an Associate Professor of Personal Financial Planning at Kansas State University. Lutter enjoys the opportunity to combine her skills in marriage and family therapy (M.S.) and financial planning (Ph.D.) in what is termed financial therapy.

Lutter is known for her groundbreaking research in physiological assessment of stress in the financial planning and counseling setting. Lutter’s other research interests include the theoretical development of money issues within marriage, predictors of money arguments and their influence on relationship satisfaction and divorce, effectiveness of financial literacy efforts, and assessment of money beliefs and behaviors in the financial planning and counseling setting. Lutter’s research has been quoted in Kiplinger’s (August 2012), InvestmentNews (March 2012 and July 2010), The Wall Street Journal (December 2011), and the New York Times (May 2011) to name a few. Lutter attended the Child and Youth Finance International Financial Literacy Summit held in Amsterdam, Netherlands in April 2012 where she shared her experiences and research in financial literacy of young people.

Lutter (Britt) is co-editor of two books. The first is co-edited with Dr. Dorothy Durband, Student Financial Literacy: Campus-Based Program Development, which leads readers through the process of developing or enhancing financial literacy programs for college students. The other is Financial Therapy: Theory, Research, and Practice with Drs. Brad Klontz and Kristy Archuleta which provides the groundwork for the new field of financial therapy.