2015-11-11T11:24:05-06:00 2014-12-31 ERNST & YOUNG US LLP TWO NORTH CENTRAL AVENUE STE 2300 PHOENIX AZ 85004 990 2014-01-01 200863779 FINRA INVESTOR EDUCATION FOUNDATION % JENNIFER P MITCHELL FINR 2027288949 1735 K STREET NW WASHINGTON DC 200061506 ROBERT A RENNER VICE PRESIDENT 2015-11-10 BRENDA D GRIESEMER P00264669 6023223000 2014 2016-02-25 16:41:14Z GERALDINE M WALSH 1735 K STREET NW WASHINGTON DC 200061506 7203432 false X WWW.FINRAFOUNDATION.ORG X 2004 DE THE MISSION IS TO PROVIDE UNDERSERVED AMERICANS WITH THE KNOWLEDGE, SKILLS AND TOOLS NECESSARY FOR FINANCIAL SUCCESS THROUGHOUT LIFE. 6 5 0 5 0 0 6010732 1750923 0 0 537590 1071632 0 0 6548322 2822555 3019079 3234757 0 0 0 0 0 0 0 7612680 7245399 10631759 10480156 -4083437 -7657601 39680732 32365620 752518 1055785 38928214 31309835 X THE MISSION IS TO PROVIDE UNDERSERVED AMERICANS WITH THE KNOWLEDGE, SKILLS AND TOOLS NECESSARY FOR FINANCIAL SUCCESS THROUGHOUT LIFE. false false 3352206 0 0 INVESTOR PROTECTION CAMPAIGN - SEE SCHEDULE O 3234756 3234756 0 GRANT PROGRAM - SEE SCHEDULE O 2036928 0 0 MILITARY FINANCIAL READINESS PROJECT - SEE SCHEDULE O 1521659 0 0 10145549 false true false false false false false false false false false false false true true true true false false false false false false false false false true false true false false false false false false false false false false false false false true false false true 13 0 true 0 false false false false false false false false false false X 6 5 false false false false true true true true true false false true true true true true true false false false X JENNIFER P MITCHELL 2027288949 1735 K STREET NW WASHINGTON DC 200061506 X RICHARD G KETCHUM CHAIRMAN 1.0 59.0 X 0 2812798 81030 JAYNE W BARNARD BOARD MEMBER 1.0 0.0 X 0 0 0 JOHN T DOOLEY BOARD MEMBER 1.0 0.0 X 0 0 0 IDALIA P FERNANDEZ BOARD MEMBER 1.0 0.0 X 0 0 0 SHARON P SMITH BOARD MEMBER 1.0 0.0 X 0 0 0 G DONALD STEEL BOARD MEMBER 1.0 0.0 X 0 0 0 GERALDINE M WALSH PRESIDENT 48.0 12.0 X 0 517596 90603 EILEEN M FAMIGLIETTI TREASURER 5.0 55.0 X 0 427045 65675 JENNIFER P MITCHELL SECRETARY 3.0 57.0 X 0 254678 42604 MARCIA E ASQUITH SECRETARY (FORMER) 0.0 60.0 X 0 552315 102098 0 4564432 382010 0 true true false GMMB INC PO BOX 415312 BOSTON MA 02241 SEE SCHEDULE O 717152 HOUGHTON MIFFLIN HARCOURTCHANNEL O 151 W 26TH STREET NEW YORK NY 10001 SEE SCHEDULE O 658233 FAIR ISAAC CORPORATION 3661 VALLEY CENTRE DRIVE SAN DIEGO CA 92130 SEE SCHEDULE O 434073 ASSOCIATION FOR FINANCIAL COUNSELIN 1940 DUKE STREET ALEXANDRIA VA 22314 SEE SCHEDULE O 433463 BBB INSTITUTE FOR MARKETPLACE TRUST 3033 WILSON BOULEVARD ARLINGTON VA 22201 SEE SCHEDULE O 400500 14 1750923 1750923 0 542882 542882 0 0 0 0 0 4909627 4380877 528750 528750 528750 0 0 0 0 2822555 0 1071632 3234757 3234757 0 0 0 0 0 0 0 0 0 4436569 4436569 0 39850 39850 0 0 14578 14578 0 2204709 2148184 56525 67031 15719 51312 23944 23944 0 218389 141760 76629 128632 103815 24817 0 98106 63766 34340 0 0 0 0 PUBLICATIONS/PRINTING 7966 60 7906 BANK SERVICE FEES 4114 4114 MISCELLANEOUS EXPENSE 1186 919 267 MEMBERSHIP DUES 325 325 10480156 10145549 334607 0 567218 1070405 10121476 3174133 0 0 0 1353133 0 0 0 0 0 0 0 0 189096 129126 0 28802942 26638823 0 0 0 0 0 0 0 0 39680732 32365620 672503 862949 79255 192320 0 0 0 0 0 0 0 0 0 0 0 0 760 516 752518 1055785 X 38928214 31309835 0 0 0 0 38928214 31309835 39680732 32365620 X -7657601 -77262 3294298 14578 -116485 -3075907 X false true X true false RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 DUE TO RELATED ORGANIZATION 516 516 6039591 -77262 3294298 3217036 2822555 2822555 13657969 3294298 -116485 3177813 10480156 10480156 SCHEDULE D, PART X, LINE 2 ASC740 FOOTNOTE FROM FINRA CONSOLIDATED AUDITED FINANCIALS U.S. GAAP PROVIDES A TWO-STEP APPROACH FOR EVALUATING TAX POSITIONS. RECOGNITION (STEP 1) OCCURS WHEN AN ENTITY CONCLUDES THAT A TAX POSITION, BASED SOLELY ON ITS TECHNICAL MERITS, IS MORE LIKELY THAN NOT TO BE SUSTAINED UPON EXAMINATION. IN STEP 2 (MEASUREMENT), THE TAX BENEFIT IS MEASURED AS THE LARGEST AMOUNT OF BENEFIT, DETERMINED ON A CUMULATIVE PROBABILITY BASIS, THAT IS MORE LIKELY THAN NOT TO BE REALIZED UPON ULTIMATE SETTLEMENT. DURING THE YEARS FROM 2011 TO 2014, WHICH REPRESENT THE YEARS MANAGEMENT CONSIDERS TO BE OPEN FOR EXAMINATION BY TAXING AUTHORITIES, MANAGEMENT DID NOT IDENTIFY THE EXISTENCE OF ANY UNCERTAIN TAX POSITIONS. ACCORDINGLY, ALL TAX POSITIONS ARE RECOGNIZED AND MEASURED AT THEIR FULL BENEFIT IN THE CONSOLIDATED BALANCE SHEETS AND STATEMENTS OF OPERATIONS. SCHEDULE D, PART XII, LINE 2D AMOUNTS INCLUDED ON LINE 1 BUT NOT ON FORM 990, PART IX, LINE 25 RELATE TO REFUNDS OF PRIOR YEAR'S UNUSED GRANTS. true ALOHA UNITED WAY 200 N VINEYARD BLVD HONOLULU HI 96817 990073494 501(C)(3) 70572 SEE SCHEDULE O BBB OF METRO NEW YORK 30 E 33RD STREET NEW YORK NY 10016 136263835 501(C)(3) 7150 SEE SCHEDULE O BOONSHOFT MUSEUM OF DISCOVERY 2600 DEWEESE PARKWAY DAYTON OH 45414 310585917 501(C)(3) 50000 SEE SCHEDULE O BRIGHTON CENTER INC PO BOX 325 NEWPORT KY 41072 610673886 501(C)(3) 50000 SEE SCHEDULE O BROOKLYN PUBLIC LIBRARY 10 GRAND ARMY PLAZA BROOKLYN NY 11235 111904261 501(C)(3) 100000 SEE SCHEDULE O BRUNSWICK PUBLIC LIBRARY ASSOCIATION 23 PLEASANT STREET BRUNSWICK ME 04011 016000787 501(C)(3) 46070 SEE SCHEDULE O CAPITAL AREA UNITED WAY 700 LAUREL STREET BATON ROUGE LA 70602 720447100 501(C)(3) 70030 SEE SCHEDULE O FAYETTEVILLE PUBLIC LIBRARY FOUNDATION 401 W MOUNTAIN FAYETTEVILLE AR 72701 710827418 501(C)(3) 49658 SEE SCHEDULE O FIRST NATIONS 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SEE SCHEDULE O GREATER EDWARDSVILLE AREA COMMUNITY FND PO BOX 102 EDWARDSVILLE IL 62025 367146151 501(C)(3) 27295 SEE SCHEDULE O HARTFORD PUBLIC LIBRARY 500 MAIN STREET HARTFORD CT 06103 066026029 501(C)(3) 49990 SEE SCHEDULE O HUNTSVILLE LIBRARY FOUNDATION 915 MONROE STREET HUNTSVILLE AL 35601 630927523 501(C)(3) 50000 SEE SCHEDULE O IDA RUPP PUBLIC LIBRARY 301 MADISON ST PORT CLINTON OH 43452 346401091 501(C)(3) 9554 SEE SCHEDULE O KENTUCKY DOMESTIC VIOLENCE ASSOCIATION 111 DARBY SHIRE CIRCLE FRANKFORT KY 40601 611110432 501(C)(3) 74800 SEE SCHEDULE O LEBANON COMMUNITY LIBRARY 125 N 7TH STREET LEBANON PA 17046 231413687 501(C)(3) 46250 SEE SCHEDULE O LIBRARY FOUNDATION OF NEW HANOVER COUNTY 201 CHESTNUT ST WILMINGTON NC 26401 200547038 501(C)(3) 36500 SEE SCHEDULE O LIBRARY LEGACY FND OF THE TOLEDO-LUCAS 32 N MICHIGAN STREET TOLEDO OH 43604 341632308 501(C)(3) 40941 SEE SCHEDULE O LYRASISSTATE LIBRARIES OF IOWA 1438 W PEACHTREE ST ATLANTA GA 30329 231365979 501(C)(3) 35507 SEE 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GRANTS FOLLOWING APPROVAL OF A GRANT APPLICATION BY THE BOARD OF DIRECTORS, THE FOUNDATION EXECUTES A GRANT AGREEMENT WITH THE APPLICANT. THIS AGREEMENT SPECIFIES THE TERMS AND CONDITIONS OF THE GRANT, AS WELL AS THE REPORTING AND PAYMENT SCHEDULE. GRANTS ARE DISBURSED IN INSTALLMENTS TIED TO THE SUBMISSION OF NARRATIVE AND FINANCIAL PROGRESS REPORTS AND THE COMPLETION OF DELIVERABLES, WHICH ARE REVIEWED BY THE FOUNDATION TO ENSURE QUALITY AND COMPLIANCE WITH THE GRANT AGREEMENT. AT ITS DISCRETION, THE FOUNDATION MAY CONDUCT SITE VISITS TO OBSERVE PROJECTS AND EXAMINE OUTCOMES. THE FOUNDATION MAY ALSO UNDERTAKE OR COMMISSION EVALUATION ANALYSIS ACROSS GRANT SITES. IN ADDITION TO PROGRESS REPORTS, GRANTEES ARE REQUIRED TO COMPLETE A FINAL NARRATIVE AND FINANCIAL REPORT DETAILING PROJECT OUTCOMES AND ACCOUNTING FOR THE USE OF GRANT FUNDS. false true false false false false false false false RICHARD G KETCHUM CHAIRMAN 0 978762 0 1500000 0 334036 0 61388 0 19642 0 2893828 0 0 GERALDINE M WALSH PRESIDENT 0 283205 0 214435 0 19956 0 79258 0 11345 0 608199 0 0 EILEEN M FAMIGLIETTI TREASURER 0 257083 0 125000 0 44962 0 31180 0 34495 0 492720 0 25945 JENNIFER P MITCHELL SECRETARY 0 153546 0 80000 0 21132 0 18064 0 24540 0 297282 0 0 MARCIA E ASQUITH SECRETARY (FORMER) 0 249420 0 280000 0 22895 0 78270 0 23828 0 654413 0 0 SCHEDULE J, PART I, LINES 3 AND 4B SUPPLEMENTAL COMPENSATION INFORMATION THE FOUNDATION DOES NOT HAVE ANY EMPLOYEES. ALL SERVICES ARE PROVIDED BY EMPLOYEES OF FINRA OR ITS SUBSIDIARIES. THE FOUNDATION DOES NOT COMPENSATE THESE EMPLOYEES FOR THEIR SERVICES. LINE 3) COMPENSATION FOR THE CEO/EXECUTIVE DIRECTOR IS ESTABLISHED AT THE PARENT ORGANIZATION, THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC. FOR FURTHER DETAILS REGARDING COMPENSATION OF OFFICERS, PLEASE REFER TO THE 2014 RETURN OF ORGANIZATION EXEMPT FROM INCOME TAX - FORM 990 FOR THE FOUNDATION'S PARENT ORGANIZATION, THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC. WITH RESPECT TO LINE 4B), FINRA OFFERS TWO NON-QUALIFIED SUPPLEMENTAL EXECUTIVE RETIREMENT PLANS. ANNUAL INCREASES IN BENEFIT VALUE, CLIFF VESTING EVENTS, AND PAYOUT DIFFERENTIALS ARE TAXABLE IN THE YEAR IN WHICH THEY OCCUR AND ARE REPORTED IN COLUMN B(iii) OF SCHEDULE J, PART II. UNVESTED BENEFIT AND CONTRIBUTION ACCRUALS ARE TAX DEFERRED AND ARE REPORTED IN COLUMN C OF SCHEDULE J, PART II. 1) FINRA'S SUPPLEMENTAL DEFINED BENEFIT PLAN IS A NON-QUALIFIED DEFINED BENEFIT PLAN THAT IS PROVIDED TO MEMBERS OF A SELECT GROUP OF MANAGEMENT OR HIGHLY COMPENSATED EMPLOYEES SUCH AS THOSE DESCRIBED UNDER 201(2), 301(A)(3), AND 401(A)(1) OF ERISA. IT IS A FINRA FUNDED PLAN THAT VESTS AT SPECIFIED AGE AND SERVICE MILESTONES. THIS PLAN WAS CLOSED TO NEW ENTRANTS AS OF 12/31/05. PARTICIPANTS IN THE SUPPLEMENTAL NON-QUALIFIED DEFINED BENEFIT PLAN THAT HAD A GROSS TAXABLE PAYOUT IN 2014: NONE 2) FINRA'S SUPPLEMENTAL DEFINED CONTRIBUTION PLAN IS A NON-QUALIFIED PLAN THAT IS OPEN TO VICE PRESIDENTS AND ABOVE WITH AN ANNUAL BASE PAY ABOVE THE QUALIFIED LIMIT. IT IS ONLY OPEN TO THOSE NOT PARTICIPATING IN THE CLOSED NON-QUALIFIED DEFINED BENEFIT PLAN DESCRIBED ABOVE. IT IS A FINRA FUNDED PLAN WITH A THREE YEAR VESTING CYCLE WITH ANNUAL VESTING BEGINNING AT AGE 62. PARTICIPANTS IN THE SUPPLEMENTAL NON-QUALIFIED DEFINED CONTRIBUTION PLAN WITH CONTRIBUTIONS VESTING IN 2014 INCLUDE: EILEEN M. FAMIGLIETTI - $43,490 RICHARD G. KETCHUM - $300,020 FORM 990, PART I, LINE 6 FIVE MEMBERS OF THE BOARD OF DIRECTORS SERVE ON A VOLUNTEER BASIS. THE BOARD OF DIRECTORS IS RESPONSIBLE FOR APPROVING GRANTS AND PROJECTS. FORM 990,PART III, LINE 4 4A) INVESTOR PROTECTION CAMPAIGN THE FOUNDATION LAUNCHED THE INVESTOR PROTECTION CAMPAIGN IN 2008 WITH A VISION TO REDUCE THE INCIDENCE OF INVESTMENT FRAUD AMONG INVESTORS. GUIDED BY A GROWING BODY OF RESEARCH AROUND INVESTMENT FRAUD VICTIMIZATION, THE FOUNDATION HAS EMPLOYED A VARIETY OF TACTICS TO MAXIMIZE OUTREACH AND IMPACT INCLUDING: EDUCATIONAL EVENTS; PUBLIC TELEVISION AND DVD DISTRIBUTION OF TWO AWARD-WINNING DOCUMENTARIES; NATIONAL, STATE AND LOCAL PARTNERSHIPS THAT ARE FACILITATING A GROWING NETWORK OF ON-THE-GROUND "FRAUD FIGHTERS"; LEADERSHIP IN THE AREA OF FINANCIAL FRAUD RESEARCH; AND A ROBUST OUTREACH EFFORT. CAMPAIGN ACTIVITIES AND RESOURCES ARM INVESTORS WITH THE TOOLS AND KNOWLEDGE THEY NEED TO: REALIZE THEY ARE VULNERABLE TO FINANCIAL FRAUD; IDENTIFY PERSUASION TACTICS USED BY FRAUDSTERS; AND REDUCE RISKY BEHAVIORS BY ASKING THE RIGHT QUESTIONS AND KNOWING HOW TO VERIFY ANSWERS. 4B) GRANT PROGRAMS IN 2014, THE FOUNDATION ISSUED PAYMENTS ON APPROVED GRANTS THROUGH FOUR PROGRAMS: THE GENERAL GRANT PROGRAM; SMART INVESTING@YOUR LIBRARY; FINANCIAL EDUCATION IN YOUR COMMUNITY; AND THE INVESTOR ADVOCACY CLINIC PROGRAM. THROUGH THESE PROGRAMS, THE FOUNDATION SUPPORTED INNOVATIVE RESEARCH AND EDUCATIONAL PROJECTS THAT PROVIDE UNDERSERVED AMERICANS WITH THE KNOWLEDGE, SKILLS AND TOOLS NECESSARY FOR FINANCIAL SUCCESS THROUGHOUT LIFE. THE FOUNDATION AWARDS GRANTS TO ENTITIES DESIGNATED AS TAX-EXEMPT ACCORDING TO INTERNAL REVENUE CODE SECTION 501(C)(3) AND TO STATE AND OTHER PUBLIC COLLEGES AND UNIVERSITIES. THE FOUNDATION PLACES HIGH PRIORITY ON REACHING AND ENGAGING A WELL-DEFINED TARGET AUDIENCE AND ENCOURAGED COLLABORATION AND STRATEGIC PARTNERSHIPS TO FACILITATE EFFECTIVE MARKETING AND DISTRIBUTION EFFORTS. THE FOUNDATION OFFERS ROLLING DEADLINES FOR PROJECT CONCEPT FORMS SUBMITTED UNDER THE GENERAL GRANT PROGRAM. APPLICANTS WHOSE PROJECTS CLOSELY ALIGN WITH THE FOUNDATION'S PRIORITIES ARE INVITED TO SUBMIT A FULL GRANT PROPOSAL FOR CONSIDERATION AT ONE OF THE FOUNDATION'S BOARD MEETINGS. FUNDING PRIORITIES ARE SPECIFIED IN THE GRANT GUIDELINES. THE GUIDELINES ALSO SPECIFY ELIGIBILITY REQUIREMENTS AND GRANT CRITERIA. THE SMART INVESTING@YOUR LIBRARY GRANT PROGRAM IS ADMINISTERED JOINTLY BY THE FOUNDATION AND THE AMERICAN LIBRARY ASSOCIATION. THIS GRANT PROGRAM FUNDS PUBLIC LIBRARY AND COMMUNITY COLLEGE LIBRARY EFFORTS TO PROVIDE PATRONS WITH ACCESS TO EFFECTIVE, UNBIASED FINANCIAL EDUCATION RESOURCES AND LEARNING OPPORTUNITIES. THE FINANCIAL EDUCATION IN YOUR COMMUNITY GRANT PROGRAM IS ADMINISTERED JOINTLY BY THE FOUNDATION AND UNITED WAY WORLDWIDE. THIS GRANT PROGRAM FUNDS COMMUNITY-BASED ORGANIZATIONS TO MEET THE FINANCIAL EDUCATION NEEDS OF UNDERSERVED LOW- AND MODERATE- INCOME INDIVIDUALS AND FAMILIES. THE INVESTOR ADVOCACY CLINIC PROGRAM PROVIDES START-UP FUNDING AND ASSISTANCE TO LAW SCHOOLS THAT ARE WELL POSITIONED TO ESTABLISH CLINICS OFFERING LEGAL ADVICE AND OTHER HELP FOR UNDERSERVED INVESTORS. THIS GRANT PROGRAM AIMS TO FILL THE GAP IN LEGAL REPRESENTATION FOR SMALL INVESTORS. 4C) MILITARY FINANCIAL READINESS PROJECT THE FOUNDATION MAINTAINS A COMPREHENSIVE CAMPAIGN TO DELIVER FINANCIAL EDUCATION TOOLS AND TRAINING TO MILITARY SERVICE MEMBERS AND THEIR FAMILIES. THE MULTI-FACETED INITIATIVE INCLUDES: AN ONLINE RESOURCE CENTER; ON-THE-GROUND TRAINING; EDUCATIONAL MATERIALS AND PROGRAMS; AND A LONG-TERM PUBLIC OUTREACH CAMPAIGN. THE FOUNDATION PROUDLY COLLABORATES WITH THE DEPARTMENT OF DEFENSE ON ITS FINANCIAL READINESS CAMPAIGN. 4D) OTHER PROGRAM SERVICES INCLUDE BUT ARE NOT LIMITED TO THE FOLLOWING: NATIONAL FINANCIAL CAPABILITY STUDY THE FOUNDATION FIRST CONDUCTED THE NATIONAL FINANCIAL CAPABILITY STUDY IN 2009 TO BENCHMARK AND BETTER UNDERSTAND HOW AMERICAN ADULTS HANDLE THEIR FINANCES. IN 2012, THE FOUNDATION CONDUCTED A SECOND WAVE OF THE STUDY, IN COLLABORATION WITH THE PRESIDENT'S ADVISORY COUNCIL ON FINANCIAL CAPABILITY, THE DEPARTMENT OF THE TREASURY AND OTHER AGENCIES. THE 2012 STUDY, RELEASED IN 2013, COMPRISES TWO PRIMARY SURVEYS-- A STATE-BY-STATE SURVEY AND A MILITARY SURVEY-- AND INCLUDED A SAMPLE FROM THE RAND AMERICAN LIFE PANEL. THIS ADDITIONAL SAMPLE ALLOWS RESEARCHERS TO CONDUCT LONGITUDINAL ANALYSES AND COMBINE STUDY DATA WITH OTHER SOURCES OF DATA. IN 2014, THE BOARD APPROVED A THIRD WAVE OF THE STUDY, WHICH IS BEING FIELDED IN 2015, INCLUDING A STATE-BY-STATE SURVEY, A MILITARY SURVEY AND AN INVESTOR SURVEY. GENERATION MONEY: IMPROVING TEEN FINANCIAL LITERACY THE FOUNDATION, IN PARTNERSHIP WITH THE CONSUMER FEDERATION OF AMERICA AND CHANNEL ONE NEWS, CONTINUED TO SUPPORT A MULTIMEDIA PROJECT TO IMPROVE KNOWLEDGE OF FUNDAMENTALLY IMPORTANT FINANCIAL LITERACY CONCEPTS AMONG AMERICAN TEENAGERS, AND TO PROVIDE THEM WITH THE SKILLS TO APPLY THESE CONCEPTS TO EVERYDAY FINANCIAL DECISION-MAKING. TOPICS INCLUDED COMPOUND INTEREST, SAVING AND INVESTING TO ACHIEVE LIFE GOALS, BUDGETING AND PAYING FOR COLLEGE. SPECIAL ATTENTION WAS GIVEN TO THE MATHEMATICS OF PERSONAL FINANCE. FORM 990, PART VI, LINE 1A PURSUANT TO THE FINRA INVESTOR EDUCATION FOUNDATION'S BY-LAWS, THE CORPORATION SHALL HAVE A COMMITTEE OF THE BOARD OF DIRECTORS (THE "FUNDING REQUEST COMMITTEE") WHICH SHALL AT ALL TIMES CONSIST OF ONE NON-PUBLIC DIRECTOR AND ONE PUBLIC DIRECTOR, AND SHALL HAVE THE POWER AND AUTHORITY OF THE BOARD OF DIRECTORS TO REVIEW, EVALUATE, AND APPROVE REQUESTS FOR FUNDING IN AN AMOUNT GREATER THAN TEN THOUSAND DOLLARS ($10,000) BUT LESS THAN ONE HUNDRED THOUSAND DOLLARS ($100,000). APPROVAL OF GRANT PROPOSALS AND REQUESTS FOR FUNDING IN AN AMOUNT EQUAL TO OR GREATER THAN ONE HUNDRED THOUSAND DOLLARS ($100,000) BUT LESS THAN TWO HUNDRED FIFTY THOUSAND DOLLARS ($250,000) MAY BE APPROVED BY A SUB-SET OF MEMBERS OF THE BOARD OF DIRECTORS CONSISTING OF A MAJORITY OF THE NON-PUBLIC DIRECTORS AND A MAJORITY OF THE PUBLIC DIRECTORS, PROVIDED THAT THE FULL BOARD OF DIRECTORS MAY, AT ITS ELECTION, REVIEW ANY FUNDING REQUESTS. ALL REQUESTS EQUAL TO OR GREATER THAN TWO HUNDRED FIFTY THOUSAND DOLLARS ($250,000) ARE APPROVED BY THE BOARD OF DIRECTORS. FORM 990, PART VI, LINES 6, 7A AND 7B LINE 6 - THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC. (FINRA) IS THE SOLE MEMBER OF THE FOUNDATION. LINE 7A - FINRA, AS SOLE MEMBER, ELECTS ALL MEMBERS OF THE GOVERNING BODY. LINE 7B - THE BYLAWS OF THE CORPORATION MAY BE ADOPTED, AMENDED OR REPEALED BY A MAJORITY VOTE OF THE DIRECTORS IN OFFICE; PROVIDED, THAT ANY AMENDMENT TO THE SECTIONS OF THE BYLAWS GOVERNING THE NUMBER OF DIRECTORS, THE ELECTION OF DIRECTORS, VACANCIES OR REMOVAL OF DIRECTORS REQUIRES THE APPROVAL OF THE MEMBER, FINRA. THE CERTIFICATE OF INCORPORATION OF THE CORPORATION MAY BE AMENDED OR REPEALED IN WHOLE OR IN PART ONLY WITH THE AFFIRMATIVE APPROVAL OF THE MEMBER, FINRA. FORM 990, PART VI, LINE 11B THE FORM 990 WAS REVIEWED BY SENIOR MANAGEMENT AT VARIOUS STEPS THROUGHOUT THE PREPARATION CYCLE. THE FOUNDATION BOARD REVIEWED THE FINAL VERSION ON SEPTEMBER 29, 2015. FORM 990, PART VI EMPLOYMENT RULES AND POLICIES THE FOUNDATION DOES NOT HAVE ANY EMPLOYEES. ALL SERVICES ARE PROVIDED BY EMPLOYEES OF FINRA OR ITS SUBSIDIARIES. THE FOUNDATION DOES NOT PAY FOR THEIR SERVICES. AS SUCH, THOSE INDIVIDUALS ARE SUJECT TO THE EMPLOYMENT RULES AND POLICIES OF FINRA. FORM 990, PART VI, LINE 12C THE FINRA INVESTOR EDUCATION FOUNDATION HAS A WRITTEN CONFLICT OF INTEREST POLICY THAT GOVERNS THE PROFESSIONAL AND ETHICAL CONDUCT OF BOARD MEMBERS, OFFICERS AND STAFF. AMONG OTHER THINGS, MEMBERS, OFFICERS, AND STAFF ARE PROHIBITED FROM DERIVING ANY PERSONAL PROFIT OR GAIN, DIRECTLY OR INDIRECTLY, BY REASON OF THEIR SERVICE TO THE FOUNDATION. MOREOVER, THE POLICY EXPRESSLY PROHIBITS SELF-DEALING. THE WRITTEN CONFLICT OF INTEREST POLICY REQUIRES BOARD MEMBERS AND OFFICERS TO MAKE INITIAL DISCLOSURE OF INTERESTS THAT COULD GIVE RISE TO CONFLICTS AS WELL AS ANNUAL DISCLOSURE BY THE SAME BOARD MEMBERS AND OFFICERS. ADDITIONALLY, THE WRITTEN POLICY CONTAINS AN ONGOING OBLIGATION OF BOARD MEMBERS, OFFICERS AND STAFF TO DISCLOSE POTENTIAL CONFLICTS OF INTEREST AS THEY ARISE. THE ORGANIZATION'S OFFICERS AND STAFF ARE EMPLOYEES OF FINRA OR ITS SUBSIDIARIES, AND, AS SUCH, ARE ALSO REQUIRED TO CERTIFY ANNUALLY AS TO THEIR COMPLIANCE WITH FINRA'S WRITTEN CONFLICT OF INTEREST POLICY. FOR FURTHER INFORMATION REGARDING FINRA'S WRITTEN CONFLICT OF INTEREST POLICY, PLEASE REFER TO THE 2014 RETURN OF ORGANIZATION EXEMPT FROM INCOME TAX - FORM 990 FOR THE FOUNDATION'S PARENT ORGANIZATION, THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC. FORM 990, PART VI, LINES 15A AND 15B THE FOUNDATION DOES NOT HAVE ANY EMPLOYEES. ALL SERVICES ARE PROVIDED BY EMPLOYEES OF FINRA OR ITS SUBSIDIARIES. THE FOUNDATION DOES NOT COMPENSATE THESE EMPLOYEES OF FINRA FOR THEIR SERVICE. THE PRESIDENT OF THE FOUNDATION SERVES AS THE LEAD OFFICER DIRECTING THE ACTIVITIES OF THE ORGANIZATION. THE FOUNDATION PRESIDENT ALSO SERVES AS AN OFFICER OF FINRA, THE FOUNDATION'S PARENT. IN DETERMINING SPECIFIC SALARY AND INCENTIVE COMPENSATION LEVELS FOR OFFICERS AND KEY EMPLOYEES OF FINRA, FINRA MANAGEMENT AND THE MANAGEMENT COMPENSATION COMMITTEE (THE "COMMITTEE") OF THE FINRA BOARD OF GOVERNORS CONSIDER: 1) OPERATONAL RESULTS 2) STRATEGIC INITIATIVES 3) FINANCIAL HEALTH/RESULTS 4) INDIVIDUAL PERFORMANCE 5) COMPETITIVE COMPENSATION LEVELS AS PREPARED BY MERCER, INC., A THIRD-PARTY COMPENSATION CONSULTANT. THE COMMITTEE'S MINUTES OF THE JANUARY 30, 2014 AND FEBRUARY 12, 2014 MEETINGS WERE REVIEWED AND APPROVED AS ACCURATE AND COMPLETE FOLLOWING THE COMMITTEE'S APPROVAL OF THE SENIOR EXECUTIVE COMPENSATION PACKAGES. THE FULL BOARD FURTHER APPROVED THE 2013 INCENTIVE COMPENSATION OF THE CEO AT ITS MEETING ON FEBRUARY 12, 2014. ALL COMPENSATION COMMITTEE MEMBERS VOTED FOR THE PROPOSED LEVEL OF EXECUTIVE COMPENSATION. FOR FURTHER INFORMATION REGARDING THE COMPENSATION OF OFFICERS, PLEASE REFER TO THE 2014 RETURN OF ORGANIZATION EXEMPT FROM INCOME TAX - FORM 990 FOR THE FOUNDATION'S PARENT ORGANIZATION, THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC. FORM 990, PART VI, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS AND AUDITED FINANCIAL STATEMENTS AVAILABLE UPON REQUEST. FORM 990, PART VII, SECTION B GMMB, INC. - PROVIDES STRATEGIC COUNSEL, PUBLIC RELATIONS CONSULTING, EARNED MEDIA ASSISTANCE, AND CRITICAL STAFFING SUPPORT FOR PROJECT OUTREACH, IN ADDITION TO PLACING AND MANAGING PAID ADVERTISING CAMPAIGNS. HOUGHTON MIFFLIN/CHANNEL ONE LLC - PROVIDES BROADCAST, PRINT, MARKETING AND WEB SERVICES AND MATERIALS IN SUPPORT OF THE TEEN FINANCIAL LITERACY INITIATIVE (KNOWN AS "GENERATION MONEY") ACTIVE IN MIDDLE AND HIGH SCHOOLS NATIONWIDE. FAIR ISAAC CORPORATION - OPERATES THE MYFICO CREDIT REPORT AND ANALYSIS TOOL AVAILABLE THROUGH THE MILITARY FINANCIAL READINESS PROJECT. ASSOCIATION FOR FINANCIAL COUNSELING & PLANNING EDUCATION - COLLABORATES IN DESIGN, DEVELOPMENT AND IMPLEMENTATION OF A FINANCIAL COUNSELOR TRAINING PROJECT FOR SPOUSES OF MILITARY PERSONNEL AS WELL AS DESIGNING AND DELIVERING CONTINUING EDUCATION PROGRAMS FOR INSTALLATION PERSONAL FINANCIAL MANAGERS. BBB INSTITUTE FOR MARKETPLACE TRUST - PROVIDES NATIONAL AND COMMUNITY-LEVEL OUTREACH SUPPORT FOR THE INVESTOR PROTECTION CAMPAIGN AND MILITARY FINANCIAL READINESS PROJECT. FORM 990, PART XI, LINE 9 OTHER CHANGES IN NET ASSETS OR FUND BALANCES PRIMARILY RELATE TO CONTRIBUTED SERVICES, INVESTMENT EXPENSES AND THE REVERSAL OF GRANT EXPENSES RELATING TO PRIOR PERIODS. SCHEDULE I, PART I GRANTS AND OTHER ASSISTANCE - PURPOSE OF GRANT OR ASSISTANCE ALOHA UNITED WAY, HONOLULU, HI (99-0073494) FINANCIAL EDUCATION IN YOUR COMMUNITY ALOHA UNITED WAY WILL PARTNER WITH THE HAWAII COUNCIL ON ECONOMIC EDUCATION AND HAWAIIAN COMMUNITY ASSETS TO PROVIDE THE TRAINING, RESOURCES AND SUPPORT NECESSARY TO INTEGRATE FINANCIAL EDUCATION WITH THE PROGRAMS OF NINE SOCIAL SERVICE AGENCIES SERVING OLDER, AT-RISK YOUTH. DURING THE TWO-YEAR PROJECT, THE PARTICIPATING AGENCIES WILL PROVIDE FINANCIAL EDUCATION FOR YOUNG ADULTS BETWEEN THE AGES OF 16 AND 22, INCLUDING THOSE THAT MAY BE ADJUDICATED, AGING OUT OF FOSTER CARE, HIGH SCHOOL DROPOUTS, ENGLISH LANGUAGE LEARNERS AND TEEN PARENTS. MOST OF THESE YOUNG PEOPLE ARE IN OR WILL SOON BE ENTERING THE WORKFORCE, AND MOST WILL NOT BE ENROLLED IN POST-SECONDARY TRAINING OR EDUCATION. EDUCATION AND RESEARCH FOUNDATION OF THE BETTER BUSINESS BUREAU OF METROPOLITAN NEW YORK, NEW YORK, NY (13-6263835) GET MORE MONEY NOW BBB OF METRO NEW YORK WILL UPDATE ITS POPULAR GET MORE MONEY NOW BROCHURE AND WEBSITE FOR USE BY CONSUMERS AND GRASSROOTS ORGANIZATIONS SERVING THE FINANCIAL LITERACY NEEDS OF THEIR COMMUNITIES. THE BROCHURE AND WEBSITE PROVIDE CONCISE, PLAIN-LANGUAGE INFORMATION ABOUT CREDIT AND DEBT BASICS, INVESTING, TAX-ADVANTAGED SAVINGS PROGRAMS, PRIVACY AND AVOIDING INVESTMENT SCAMS. WASHINGTON-CENTERVILLE PUBLIC LIBRARY, CENTERVILLE, OH (31-0585917) SMART INVESTING@YOUR LIBRARY THROUGH PARTNERSHIPS WITH THE LOCAL SCHOOL DISTRICT AND A NEARBY CHILDREN'S MUSEUM, THE WASHINGTON-CENTERVILLE PUBLIC LIBRARY WILL PROVIDE HANDS-ON FAMILY FINANCIAL LITERACY ACTIVITIES FOR COUNTY RESIDENTS, WHILE BUILDING THE CAPACITY OF PARENTS AND EDUCATORS TO BOOST THE FINANCIAL LITERACY OF CHILDREN AND TEENS. THE PROJECT LEARNING OUTCOMES WILL ALIGN WITH THE FINANCIAL LITERACY STRAND OF THE OHIO REVISED STANDARDS IN SOCIAL STUDIES. LIBRARY STAFF WILL WORK WITH SCHOOL FACULTY AND EXHIBIT SPECIALISTS FROM THE BOONSHOFT MUSEUM OF DISCOVERY TO CREATE A TRAVELING FINANCIAL LITERACY EXHIBIT. THE EXHIBIT WILL HELP CHILDREN AND TEENS LEARN HOW TO LEAD FINANCIALLY RESPONSIBLE LIVES. CIRCULATING MONEY-THEMED KITS WILL EXTEND LEARNING INTO THE HOME AND SERVE AS A SPRINGBOARD FOR PARENT-CHILD CONVERSATIONS ABOUT FINANCIAL RESPONSIBILITY. A SERIES OF WORKSHOPS AND CONTESTS FOR CHILDREN AND TEENS WILL COMPLEMENT THE EXHIBIT AND CHALLENGE PARTICIPANTS TO PRACTICE THEIR NEW SKILLS. FOLLOWING A PERIOD OF USE AT THE WASHINGTON-CENTERVILLE PUBLIC LIBRARY AND THE MUSEUM, THE EXHIBIT WILL TRAVEL TO SCHOOLS AND OTHER LIBRARIES THROUGHOUT THE REGION. BOONE COUNTY PUBLIC LIBRARY, BURLINGTON, KY (61-0673886) SMART INVESTING@YOUR LIBRARY UNDER THE RUBRIC "EARN-SAVE-SPEND," BOONE COUNTY PUBLIC LIBRARY AND A LEADING SOCIAL SERVICES AGENCY IN THE COUNTY (THE BRIGHTON CENTER) WILL PROVIDE IN-DEPTH LEARNING EXPERIENCES FOR FAMILIES, EDUCATORS AND OLDER ADULTS (AGES 65+). THE PROJECT WILL CHALLENGE FAMILIES TO EVALUATE THEIR FINANCIAL HEALTH AND TAKE STEPS TO MAKE TANGIBLE IMPROVEMENTS. BROOKLYN PUBLIC LIBRARY, BROOKLYN, NY (11-1904261) SMART INVESTING@YOUR LIBRARY BROOKLYN PUBLIC LIBRARY WILL ENGAGE ADULT AND TEEN PATRONS THROUGH A SERIES OF LEARNING ACTIVITIES AND SERVICES TAILORED TO THE BOROUGH'S DIVERSITY OF AUDIENCES. THE PROJECT HAS SEVERAL COMPONENTS, INCLUDING: INTEGRATION OF FINANCIAL CONCEPTS INTO EXISTING ADULT BASIC EDUCATION PROGRAMS (SUCH AS GED PREPARATION PROGRAMS AND ENGLISH FOR SPEAKERS OF OTHER LANGUAGES); VIRTUAL INVESTMENT CLUBS FOR ADULTS AND TEENS; TEEN FINANCIAL LITERACY WORKSHOPS; AND A FINANCIAL EMPOWERMENT FAIR WITH IN-PERSON AND VIRTUAL COMPONENTS DELIVERED IN CONJUNCTION WITH THE NEW YORK CITY OFFICE OF FINANCIAL EMPOWERMENT AND THE BEDFORD-STUYVESANT RESTORATION CORPORATION. CURTIS MEMORIAL LIBRARY, BRUNSWICK, ME (01-6000787) SMART INVESTING@YOUR LIBRARY CURTIS MEMORIAL LIBRARY WILL UNDERTAKE A COMMUNITY-WIDE FINANCIAL LITERACY CAMPAIGN TO ASSIST LOW- TO MODERATE-INCOME INDIVIDUALS AND FAMILIES WHO ARE "JUST GETTING BY" AND WHO WANT TO LEARN SIMPLE STRATEGIES TO IMPROVE THEIR FINANCIAL HEALTH. THE LIBRARY WILL HELP RESIDENTS IN NEED THROUGH A DIVERSE SERIES OF FINANCIAL LITERACY EXPERIENCES USING MULTIPLE VENUES AND FORMATS, INCLUDING: A FAMILY FINANCIAL FAIR AND HOW-TO FESTIVAL TO SHOWCASE FINANCIAL EDUCATION OPPORTUNITIES AVAILABLE TO RESIDENTS AND INTRODUCE THE RESOURCES AVAILABLE AT THE LIBRARY; SHORT, EASY-TO-UNDERSTAND WEEKLY WORKSHOPS ON PRACTICAL WAYS TO SAVE MONEY, SUPPLEMENT INCOME AND PROTECT WEALTH; "CURTIS MONEY MEET-UPS" TO SUPPLEMENT THE WORKSHOPS WITH FACILITATED BOOK GROUP DISCUSSIONS ABOUT SPENDING MINDFULLY, UNDERSTANDING FINANCIAL PSYCHOLOGY, MANAGING AND ELIMINATING DEBT AND BUILDING ASSETS; AND INTERACTIVE FINANCIAL LITERACY EXHIBITS AT THE LIBRARY TO PROMOTE INTERGENERATIONAL LEARNING AND EXPLORE THE MATHEMATICS OF MONEY. CAPITAL AREA UNITED WAY, BATON ROUGE, LA (72-0447100) FINANCIAL EDUCATION IN YOUR COMMUNITY CAPITAL AREA UNITED WAY WILL PARTNER WITH LOCAL CHILDCARE FACILITIES TO PROVIDE FINANCIAL EDUCATION WORKSHOPS FOR THE LOW-INCOME PARENTS OF PRE-SCHOOL AGE CHILDREN. CHILDCARE FACILITY DIRECTORS AND STAFF WILL ALSO TAKE PART IN A SERIES OF WORKSHOPS THAT ENCOMPASS PERSONAL FINANCIAL EDUCATION, TRAIN-THE-TRAINER SKILLS AND INFORMATION AND TIPS ON HOW TO MAKE REFERRALS TO PARENTS WHO MIGHT BENEFIT FROM ADDITIONAL ECONOMIC SUPPORTS AND SERVICES. FAYETTEVILLE PUBLIC LIBRARY, FAYETTEVILLE, AR (71-0827418) SMART INVESTING@YOUR LIBRARY FAYETTEVILLE PUBLIC LIBRARY WILL COLLABORATE WITH CREDIT COUNSELING OF ARKANSAS AND THE UNIVERSITY OF ARKANSAS (INCLUDING ITS EXTENSION SERVICE AND ITS CENTER FOR ECONOMIC EDUCATION) TO DEMONSTRATE FINANCIAL PLANNING STRATEGIES FOR HOUSEHOLDS THAT ARE LIVING PAYCHECK TO PAYCHECK, ALLOWING THEM TO SAVE FOR FUTURE EXPENSES AND FOR RETIREMENT. THE PARTNERS WILL GIVE PARTICULAR ATTENTION TO MULTIGENERATIONAL HOUSEHOLDS IN NEIGHBORHOODS EXPERIENCING THE GREATEST ECONOMIC HARDSHIP, WITH THE GOAL OF HELPING TO BREAK THE GENERATION TO GENERATION CYCLE OF FINANCIAL STRUGGLE. FIRST NATIONS DEVELOPMENT INSTITUTE, LONGMONT, CO (54-1254491) PARTNERING WITH THE OFFICE OF THE SPECIAL TRUSTEE: NEW DISTRIBUTION CHANNELS FOR INVESTOR EDUCATION FIRST NATIONS DEVELOPMENT INSTITUTE IS PARTNERING WITH THE U.S. DEPARTMENT OF THE INTERIOR'S OFFICE OF THE SPECIAL TRUSTEE FOR AMERICAN INDIANS TO CREATE NEW MARKETING AND DISTRIBUTION CHANNELS TO MEET THE FINANCIAL AND INVESTOR EDUCATION NEEDS OF NATIVE AMERICANS. THIS PROJECT BUILDS UPON TWO PREVIOUS FOUNDATION GRANTS TO FIRST NATIONS THAT RESULTED IN THE DEVELOPMENT OF PRINT AND ONLINE VERSIONS OF A CURRICULUM, BUILDING NATIVE COMMUNITIES: INVESTING FOR THE FUTURE, AND TWO COMPLEMENTARY RESOURCES, AN INSTRUCTOR GUIDE AND A RESOURCE GUIDE, DESIGNED FOR TRAINERS WHO PROVIDE INVESTOR EDUCATION TO NATIVE AMERICANS. ALBUQUERQUE BERNALILLO COUNTY LIBRARY, ALBUQUERQUE, NM (23-7024173) SMART INVESTING@YOUR LIBRARY ALBUQUERQUE BERNALILLO COUNTY LIBRARY WILL COLLABORATE WITH A NEARBY CHARTER SCHOOL AND A STATEWIDE, NONPROFIT SMALL BUSINESS DEVELOPMENT AND TRAINING ORGANIZATION TO DELIVER FINANCIAL EDUCATION FOR TEENS AGES 14 TO 17. LEARNING ACTIVITIES WILL TAKE PLACE AT EIGHT LIBRARY LOCATIONS THROUGHOUT THE COUNTY AND AT THE CHARTER HIGH SCHOOL IN ALBUQUERQUE. PROGRAM MODULES WILL ADDRESS: MANAGING YOUR MONEY; PLANNING YOUR FUTURE; MAKING YOUR MONEY GROW; AND PROTECTING WHAT YOU HAVE. CHESTERFIELD COUNTY PUBLIC LIBRARY, CHESTERFIELD, VA (52-1245254) SMART INVESTING@YOUR LIBRARY CHESTERFIELD COUNTY PUBLIC LIBRARY WILL FOCUS ON THE INTERGENERATIONAL TRANSFER OF FINANCIAL LEARNING, WHILE IMPROVING PARTICIPANTS' FACILITY WITH THE MATHEMATICS OF MONEY. THE PROJECT WILL GIVE SPECIAL ATTENTION TO GRANDCHILDREN AND THE GRANDPARENTS WHO HAVE AN INFLUENTIAL OR PRIMARY ROLE IN RAISING THEM. THE LIBRARY-IN PARTNERSHIP WITH THE COUNTY OFFICE OF THE SENIOR ADVOCATE, THE FEDERAL RESERVE BANK OF RICHMOND AND THE CHESTERFIELD COUNTY PUBLIC SCHOOLS-WILL SEEK TO EQUIP THESE "GRANDFAMILIES" WITH FINANCIAL LITERACY SKILLS NECESSARY TO ADDRESS IMMEDIATE NEEDS AND LONGER-TERM WELLBEING. FOR THE BROADER COMMUNITY, THE LIBRARY AND ITS PARTNERS WILL DELIVER A SERIES OF MINI-WORKSHOPS ON: DEVELOPING A FINANCIAL PLAN AND SETTING GOALS; REDUCING DEBT; AVOIDING FRAUD AND IDENTITY THEFT; INVESTING FUNDAMENTALS; SAVING AND PAYING FOR COLLEGE; RETIREMENT PLANNING; AND MANAGING HEALTHCARE COSTS, AMONG OTHER TOPICS. FLORENCE COUNTY LIBRARY SYSTEM, FLORENCE, SC (57-0697650) SMART INVESTING@YOUR LIBRARY WORKING WITH NEARBY FRANCIS MARION UNIVERSITY, THE SOUTH CAROLINA DEPARTMENT OF CONSUMER AFFAIRS, A LOCAL UNITED WAY AGENCY AND THE SOUTH CAROLINA DEPARTMENT OF SOCIAL SERVICES, FLORENCE COUNTY LIBRARY SYSTEM WILL ENGAGE CHILDREN, TEENS AND LOWER-INCOME ADULTS IN A SERIES OF FINANCIAL LITERACY ACTIVITIES THAT APPEAL TO THE DIFFERENT LEARNING PREFERENCES OF THE TARGET AUDIENCES. FOR CHILDREN, THE LIBRARY WILL CONDUCT A "DEWEY DOLLARS" CAMPAIGN THAT INCENTIVIZES YOUNG READERS TO E FINANCIAL IND REGULATORY AUTHORITY INC 1735 K STREET NW WASHINGTON DC 20006 530088710 REGULATORY DE 501(C)(6) N/A NA false FINRA REGULATION INC 1735 K STREET NW WASHINGTON DC 20006 521959501 REGULATORY DE 501(C)(6) N/A FINRA false FINRA DISPUTE RESOLUTION INC 1735 K STREET NW WASHINGTON DC 20006 522187577 ARBITRATION DE 501(C)(6) N/A FINRA false false false true false false false false false false false false false true true true false false false