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The Center for Personal Financial Management at Charleston Southern University trains and equips CSU students and the campus family with biblical principles of financial wisdom and money management. The Hans A. Nielsen College of Business teaches topics such as the biblical view of money, stewardship, budgeting, debt management, investing, charitable giving and wealth management.

CSU’s Nielsen College of Business launched the Center in Fall 2019 after more than a decade of teaching personal finance in various outlets to the CSU family. The Center provides a four-pronged approach to meeting the needs of our campus:

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  1. Freshman seminar modules
  2. Personal financial management courses
  3. Peer-to-peer counseling for students
  4. Financial literacy promotion at churches and schools by CSU students

CSU’s Center for Personal Financial Management is affiliated with the Ron Blue Institute because of its mission to advance biblical financial education. 

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Dr. Heather Chadwick is an associate professor in the Nielsen College of Business at Charleston Southern whose distinguished career spans higher education, corporate finance, financial advising, and U.S. Government service.

At Charleston Southern, she helped establish the Center for Personal Financial Management with the late Boyce Smith, providing students and families with biblical financial education and peer-to-peer finance coaching. She currently serves as the director for CPFM.

She is co-author with Ron Blue and the late Boyce Smith of Mastering Personal Finances: A Biblical Approach, used by Christian universities across the United States, and is currently working on its third edition.

Connor O’Neill, Graduate Assistant

I have a passion for helping others and wanted to learn how to approach personal finances from a biblical perspective while helping others do the same.
My name is Connor, I am the graduate assistant for Charleston Southern University’s Center for Personal Financial Management and a former Peer Coach with the Center. I am originally from Severna Park, Maryland, and I earned my Bachelor of Business Administration in business management before beginning my MBA at CSU. Outside of school, I enjoy spending time with my friends.

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Ryan Absher

I believe that learning about personal finance is a basic skill that everyone should acquire to succeed, and I hope that I can help people grow that skill to the best of my ability.
My name is Ryan. I am a senior majoring in financial management, and I have lived in Summerville, South Carolina, my whole life. I enjoy esports and European football, as well as traveling to new places and enjoying nature. I enjoy being a CPFM coach because I love to help people and share knowledge with them.

Nate Black

I’ve had an interest in business and finance since high school, where I began taking classes, and I have really enjoyed learning about all of the ways to invest and spend my money, and I look forward to being able to help my peers do the same.
My name is Nate, and I am a sophomore majoring in financial management. I’m originally from Atlanta, Georgia, and I still live there whenever I’m not at CSU. In my free time, I really enjoy being around my friends and family, playing golf, and just doing anything outdoors. This is my first year that I’ve been a part of the Center for Personal Financial Management. I am on the CSU football team, and I hope to help my teammates and other athletes become more knowledgeable about their financial decisions.

Ian Haines

As a peer-to-peer coach, I value the opportunity to help fellow students build confidence in managing their finances while promoting a biblical perspective on financial literacy.
My name is Ian, and I am from Spartanburg, South Carolina. I am currently a senior studying both personal financial management and financial management. My long-term career goal is to become a financial advisor who helps individuals and families make informed financial decisions and achieve their financial goals. Outside of academics, I spend time with friends, play video games, go on hikes, and thrift.

Gracie Haughn

I am passionate about sharing God-honoring financial wisdom on campus and encouraging others to approach their finances with purpose and confidence.
Hey! My name is Gracie, and I am a senior at Charleston Southern majoring in accounting, financial management, and personal financial management. I am currently serving as the chapter president of Alpha Delta Pi as well as the vice president of finance. Outside of school I love to listen to music and spend time with my friends. I joined the Center for Personal Financial Management in the fall of 2025, and I am so glad that I did. As a peer coach, I’m excited to not only help students grow in their financial literacy skills but also learn from their experiences and perspectives.

Anna Kearns

I can’t wait to help others learn all the ways to benefit themselves.
Hey I’m Anna, a sophomore at Charleston Southern University, and a part of the Center for Personal Financial Management Peer-to-Peer coaching group. I’m also a marketing and personal financial management major. Born in Myrtle Beach, I later moved and stayed in Goose Creek, South Carolina. Growing up my family and I loved learning about the history of the Lowcountry. Now I spend time either serving or exploring new places with my friends. Learning about personal finance intrigued me, and then learning that I had the opportunity to help others was the stepping stone to what I am able to do now.

Nuria Luft

I want to use the knowledge I have gained from my courses in finance to help other students manage their finances well.
My name is Nuria, and I am a junior majoring in financial management and accounting. I am originally from Long Island, New York, but I now live in Summerville. Outside of school I like drawing, reading, spending time with friends, baking, and cooking. I have been a part of the Center for Personal Financial Management since January of 2026. I believe that financial literacy is extremely important, so helping other students learn about it through a biblical lens not only gives me a way to support those around me, but also gives me a chance to put my knowledge into practice and grow my understanding as well.

Destiny Mambo

I truly enjoy pouring into the students around me how to be financially literate through a biblical lens.
I am Destiny, and I am originally from Dallas, Texas. I currently live in the Charleston area. I am currently a sophomore studying both personal financial management and accounting at Charleston Southern University. My other passions include drawing, painting, watching shows, trying new food, baking, beaching, working out, and hanging out with friends. I have been a part of the Center for Personal Financial Management team since the beginning of 2026! Getting to connect with other students at a level we can all relate to is just such a wonderful experience. I have found that supporting my peers can be such an amazing, mutually enriching experience.

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Ly Nguyen

I’m super excited to connect with you and help you feel confident about managing your own money journey!
My name is Ly, and I’m double majoring in financial management and personal finance. I am originally from Vietnam. Outside of classes, I love exploring new hobbies and activities, hanging out with friends, and I can easily spend hours getting lost in solving Sudoku puzzles. I joined the CPFM because I love making money concepts feel simple, practical, and easy for everyone to relate to. Peer coaching isn’t just about sharing advice; it gives me so many fresh perspectives on personal finance through every conversation I have.

Lase Olalere

I believe financial literacy is invaluable, and many students, especially student-athletes, don’t have access to the financial education they need to succeed beyond college.
My name is Lase, and I am a senior studying financial management at Charleston Southern University. I was born in Lagos, Nigeria, and I’ve lived in Charleston for over 12 years. I am also a member of the men’s basketball team. Outside of school, I enjoy playing video games, thrifting, golfing, and obviously playing basketball.

Skylor Pannell

I enjoy helping others build their financial knowledge and confidence, and I’m grateful to be part of a team that helps make financial education more accessible to students.
Hi! My name is Skylor, and I’m currently a junior at CSU majoring in financial management and personal financial management. I’ve lived in the Charleston area my entire life, growing up in Summerville before moving to Daniel Island, where I’ve lived for the past six years. Outside of school, I enjoy reading, going for walks, traveling, watching TV, and spending time with my friends, family, and cat. I also work at Heights Meat Market in Mount Pleasant, where we offer a wide variety of meats, including steaks, chicken, and exotics. I joined the CPFM peer coaching team in August of 2026, and it has been a very rewarding experience. I love connecting with others and having the opportunity to make a positive impact in their lives. I also believe that financial literacy is incredibly important, especially because personal finance is not always emphasized throughout K–12 education or outside of business-related programs.

Chandler Perry

My goal is to help my peers better understand their finances, develop good financial habits, and make informed decisions that lead to financial stability and success.
My name is Chandler, and I am from Columbia, South Carolina. I am a senior majoring in financial management. Outside of school I enjoy watching and playing football, fishing, bowling, and hanging out with family and friends. This is my first year being a part of the Center for Personal Financial Management. I joined because I have a passion for finance and look forward to helping others make smart financial decisions.

Zachary Pickvet

I love being a part of CPFM because I get to help others with their personal finances so that we can build a brighter future and be great stewards of the resources the Lord has blessed us with.
My name is Zachary, and I am a junior majoring in personal financial management. I am from Harleyville, South Carolina, but currently live in Ladson and commute to my hometown church every Sunday. I have been married to my amazing wife, Hope, for a little more than two and a half years, but we started dating in high school eight years ago. I am a proud Army veteran who operated satellite communication equipment and deployed overseas to Saudi Arabia and Qatar.

Olivia Poteat

Having personal finance knowledge can help you, your friends, and your family. I joined the CPFM group to explore new areas of the field, step out of my comfort zone, and be a part of a team that makes financial education readily available to fellow students.
Hey! My name is Olivia, and I’m a senior majoring in business management. I am from Charleston, South Carolina, born and raised in the Lowcountry. I work at Kickin’ Chicken and intern at the Charleston Battery Stadium in operations. I work alongside Skylor with Beyond Our Walls through the CPFM program, and it has been very rewarding to teach young children the word of God and financial literacy. Although I am studying business management, not finance, I think financial literacy matters in the business world because it is a huge part of how companies are developed and run. I appreciate being welcomed into CPFM, especially for the friends I have made and will make along the way, and it has taught me more ways to love others and to love Jesus. Outside of school, I enjoy being outside in nature, under the stars, hiking, going to the river or lake, reading, thrifting, spending time with my family, and cuddling with my cat. I also love traveling and hope to see and learn about as much of the world as I can!

Isaac Ross

I enjoy helping others and want to help students become more confident when it comes to managing their money.
Hi! My name is Isaac, and I am a freshman majoring in personal financial management at Charleston Southern University. I am from Savannah, Georgia, and outside of school, I enjoy fishing, working out, playing baseball, and spending time with friends and family. I have always been interested in finance and hope to become a financial advisor one day. Over the summer, I had the opportunity to intern at a wealth management firm, True Coastal Capital, which helped me learn a lot more about the financial industry. I think it is important to use what God has given us wisely, and being part of the CPFM is a great way to help others while continuing to learn more about personal finance myself.

Kari Vanderhorst

I hope to help students gain confidence in managing their money and making informed financial decisions.
Hi! My name is Kari, and I am from Georgetown, South Carolina. I am a senior at Charleston Southern currently studying personal financial management and financial management! Outside of academics, I enjoy working out, spending time outdoors, watching movies, trying new restaurants in the area, and listening to music. I have a strong passion for personal finance and aspire to become a wealth or investment manager. One of my long-term goals is to bring more financial literacy education and resources back to my hometown to help individuals and families build stronger financial futures.

Kevin White

I believe financial literacy is one of the most important things you should know, and joining the CPFM is a way that I can help introduce people to it.
My name is Kevin, and I am from Yemassee, South Carolina. I am a senior majoring in financial management. Outside of class, I love hanging out with friends and family, playing the saxophone, and playing golf even though I am bad at it. This is my first year in the CPFM, and I joined not only to educate myself in financial literacy but also to help those around me who might not understand what it is.

Samantha Work

I look forward to helping people better understand their finances and what financial success may look like for them.
Hello! My name is Samantha, and I am a sophomore majoring in personal financial management. I was adopted from South Korea and consider Parker, Colorado, my hometown. I’ve lived in Nevada where the rest of my family still resides, Arizona, and South Carolina. I currently live in the Mount Pleasant area and have enjoyed my time here. I play the flute, and I am also heavily involved in the music department at Charleston Southern so you may see me out and about a lot of places. Other things I enjoy doing are reading, playing video games, and watching movies. I joined the Center for Personal Financial Management this past August and have enjoyed being a part of this wonderful group of people. I decided to participate in this program due to it’s uniqueness and that it lets me get experience in the field I am hoping to graduate in. The longer I take part in this program the deeper I fall in love with it. The opportunities and experiences we get are engaging, fulfilling, and everyone involved is so kind and has a deep passion for helping others.

Stephan Zayachkowsky

My goal is to help my peers better understand their finances while incorporating biblical principles into our meetings.
My name is Steve, and I am from Charlotte, North Carolina. I am a senior majoring in business management at Charleston Southern University. Outside of school, I play on the football team and enjoy working out, playing disc golf, and spending time with family and friends. Something interesting about me is that I have a twin sister. This is my first year being a part of the Center for Personal Financial Management. I joined because I enjoy helping others and want to gain real-life experience in financial management.

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