Mr. Gallardo received his Bachelor’s in Secondary Education in 2012 and a Master’s in Business Administration in Management in 2014 both from West Texas A&M University. He is currently pursuing a PhD in Personal Financial Planning from Kansas State University. Mr. Gallardo’s teaching areas include financial planning, risk management, principles of management, and organizational behavior. He serves as co-advisor for ENACTUS and as director for the Center of Economic Education. Mr. Gallardo’s research areas of interest include student loan debt, financial behaviors of members in low-income communities, financial literacy among first generation college students, and retirement needs and planning of community members in underrepresented populations.