Effie Antonoudi

Education

Teaching

FHCE 3100E Consumer Decision Making 

FHCE 4200 Wealth Management I

FHCE 4210 Retirement Planning and Employee Benefits

FHCE 4220 Estate Planning

FHCE 4230 Family Tax Planning

FHCE 5100 Consumer Policy

FHCE 5250 Capstone in Financial Planning

FHCE 5710/7710 Study away in Greece experience in Financial Planning, Housing, and Consumer Economics 

Awards

Editorial Appointments

Service

Advisory Committee

Ph.D. committee chair

• Olawale Akinleye, FHCE, financial planning concentration, Current
• Catherine Asiimwe, FHCE, financial planning concentration, Current
• Rukayat Olaniyi, FHCE, financial planning concentration, Current

Ph.D. committee member

• Runqing Gao, School of Electrical and Computer Engineering, Current
• Cancan Xie, FHCE, financial planning concentration, Current

M.S. committee chair

• Jackson Carter, financial planning behavioral track, Current

M.S. committee member

• Renato Calderaro, financial planning, Current
• Griffin Hawkins, financial planning, Current
• Jeffery Morrison, financial planning, Current
• Lauren Boling, financial planning behavioral track, 2026
• Robert Burgess, financial planning, 2024
• Keeley, Pirtle, financial planning, 2024

Certifications

Certified Public Accountant (CPA), Certified Financial Planner (CFP®)

Effie serves as an Assistant Professor in the Department of Financial Planning, Housing, and Consumer Economics. She served as the Undergraduate Coordinator for all Financial Planning, Housing, and Consumer Economics majors and minors, and was the liaison with the other UGA schools and colleges, other institutions of higher education, and the community for 6 years.

Effie created the FACS Greece Study Abroad Program at the University of Georgia. Students from FACS and across UGA experience the country and its cultural heritage and take an in-depth look at the causes and aftermath of Greece’s recent financial crisis, including the current conditions and how consumers have been impacted. 

Effie received a B.S. in Accounting and Finance from the University of Macedonia in Greece, an M.B.A. and Master's in Professional Accountancy from Georgia State University, and a Ph.D. in Personal Financial Planning from Kansas State University. Effie is a Certified Public Accountant (CPA) and a Certified Financial Planner (CFP®). She has over ten years of experience in business – in financial consulting, marketing, accounting, auditing, and, most recently, international tax consulting. She has also worked with the Executive MBA Program at Georgia State University. Effie joined the University of Georgia in January 2016 as an Academic Professional.

Books

White, Kenneth J. and Antonoudi, Efthymia. “12 Income, Income Transfers, and Taxes”. De Gruyter Handbook of Personal Finance, edited by John E. Grable and Swarn Chatterjee, Berlin, Boston: De Gruyter, 2022, pp. 189-204. https://doi.org/10.1515/9783110727692-012

Current Classes

FHCE 4210 Retirement Planning and Employee Benefits

FHCE 4220 Estate Planning

FHCE 5710/7710 Study away in Greece experience in Financial Planning, Housing, and Consumer Economics 

Current Research

Elevating Couple Relationships Across Georgia (HEART Grant)
Co-Investigator, 2025–2030
U.S. Department of Health and Human Services, Administration for Children and Families, Office of Family Assistance

A five-year federal grant, led by Drs. Ted Futris and Evin Richardson, that delivers the ELEVATE relationship education program to couples across Georgia. Dr. Travis Mountain and Dr. Effie Antonoudi lead the program’s financial education component, Discovering Money Solutions (DMS). In 2026, the team received a $988,000 supplemental award to evaluate the program, comparing in-person and on-demand formats and following couples for up to 12 months. The supplement brings the total award to $7.18 million.

Journal Articles

Antonoudi, E., Ludwig E. T. (2026). Technology-Enabled Financial Help-Seeking: Evidence of AI and Financial Planners on Retirement Saving Behavior. Financial Planning Review, no. 3: e70043. https://doi.org/10.1002/cfp2.70043.

Antonoudi, E., Rollins-Koons A., McCoy M. (2026). Preparing the Next Generation: How Trust, Gender, and Academic Performance Shape Financial Planning Students' AI Adoption. Financial Planning Review, no. 2: e70036. https://doi.org/10.1002/cfp2.70036.

Antonoudi E., Rollins-Koons A., Lim H., Heckman S., (2026). Owning a Home or Two: Financial Planning Insights from U.S. Households Pre- and Post- Covid. Financial Planning Research Journal. vol. 12, no. 1, Financial Advice Association of Australia, 2026, https://doi.org/10.2478/fprj-2026-0003

Lim, H., Antonoudi, E., & Harris, J. (2026). College Generation Status and Financial Socialization: Implications for Financial Knowledge, Self-Efficacy, and Behavior of First-Generation College Students. Journal of Family and Economic Issues. https://doi.org/10.1007/s10834-025-10067-3

Antonoudi E., Seay M., Kiss E., Lim H., (2025). The impact of the online marketplace on fraud: Evidence from Craigslist from its early adoption in 1995 to its wider expansion in 2006. Financial Services Review 33(4), 121–133. https://doi.org/10.61190/fsr.v33i4.4114

Antonoudi, E., Kostandini, G., & Lim, H. (2025). Immigration law enforcement and immigrant homeownership. Financial Services Review, 33(2), 93–123. https://doi.org/10.61190/fsr.v33i2.4113

Sholin, T. L., Lim, H. N., Reiter, M., Antonoudi, E., & Lurtz, M. (2021). The Money Scripts Related to the Use and Trust of Investment Advice. Journal of Financial Therapy, 12(2), Article 4. https://doi.org/10.4148/1944-9771.1272