Derek Tharp
Ph.D., CFP®, CLU®, RICP®
- Associate Professor of Finance and Financial Planning Program Director, University of Southern Maine
- Founder, Conscious Capital, LLC
- Lead Researcher, Kitces.com
- Head of Innovation, Income Lab
I teach finance and direct the financial planning program at the University of Southern Maine, write about retirement income planning for financial advisors at Kitces.com, and work with clients through my advisory firm, Conscious Capital.
Research
- Faculty profile and selected publications University of Southern Maine
- Working papers and preprints SSRN
Writing
- Why Delaying Social Security Benefits Isn’t Always The Best Kitces.com, September 2025
- Using Historical Market Visualizations To Illustrate Retirement Strategies Kitces.com, April 2025
- Communicating Retirement Income Guardrails To Alleviate Monte Carlo Stress Kitces.com, March 2024
- Improving Retirement Distribution With Risk-Based Guardrails Kitces.com, November 2021, with Justin Fitzpatrick
Elsewhere
- An Alternative Approach to Calculating In-Retirement Withdrawals Morningstar, The Long View podcast
- Articles at Financial Planning financial-planning.com
Financial planning
I provide retirement and investment planning through Conscious Capital, LLC, a fee-only registered investment adviser in Portland, Maine.
Contact
- Financial planning clients · Conscious Capital
- University · USM directory
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