2014-11-16T22:46:52-06:00 2013-12-31 ERNST & YOUNG US LLP TWO NORTH CENTRAL AVENUE STE 2300 PHOENIX AZ 85004 990 2013-01-01 200863779 FINRA INVESTOR EDUCATION FOUNDATION % JENNIFER P MITCHELL FINR 2027288949 1735 K STREET NW Suite WASHINGTON DC 200061506 ROBERT A RENNER VP 2014-11-13 BRENDA D GRIESEMER P00264669 2013 2015-11-30 17:44:51Z GERALDINE M WALSH 1735 K STREET NW WASHINGTON DC 200061506 9492460 false X WWW.FINRAFOUNDATION.ORG X 2004 DE THE MISSION OF THE FINRA INVESTOR EDU- CATION FOUNDATION IS TO PROVIDE UNDERSERVED AMERICANS WITH KNOWLEDGE SKILLS & TOOLS NECESSARY FOR FINANCIAL SUCCESS THROUGHOUT LIFE. 6 5 0 5 0 0 1500000 6010732 0 0 1188150 537590 0 0 2688150 6548322 4460239 3019079 0 0 0 0 0 0 0 8117259 7612680 12577498 10631759 -9889348 -4083437 42523804 39680732 658427 752518 41865377 38928214 X THE MISSION OF THE FINRA INVESTOR EDUCATION FOUNDATION IS TO PROVIDE UNDERSERVED AMERICANS WITH THE KNOWLEDGE, SKILLS AND TOOLS NECESSARY FOR FINANCIAL SUCCESS THROUGHOUT LIFE. false false 3833420 INVESTOR PROTECTION CAMPAIGN - SEE SCHEDULE O 3019079 3019079 GRANT PROGRAM- SEE SCHEDULE O 1867639 MILITARY FINANCIAL READINESS PROJECT - SEE SCHEDULE O 1636866 10357004 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 true false false true 11 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 2551022 72734 JANE 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 537925 47697 EILEEN M FAMIGLIETTI TREASURER 5.0 55.0 X 0 378023 76039 MARCIA E ASQUITH SECRETARY - PART-YR 3.0 57.0 X 0 660938 58263 JENNIFER P MITCHELL SECRETARY - PART YR 3.0 57.0 X 0 226071 33489 0 4353979 288222 0 false true false GMMB INC PO BOX 415312 BOSTON MA 02241 SEE SCHEDULE O 1764747 CHANNEL ONE LLC 151 W 26TH STREET NEW YORK NY 10001 SEE SCHEDULE O 625753 BBB INSTITUTE FOR MARKETPLACE TRUST 3033 WILSON BLVD ARLINGTON VA 22201 SEE SCHEDULE O 540000 NATIONAL CRIME PREVENTION COUNCIL 2001 JEFFERSON DAVIS HWY ARLINGTON VA 22202 SEE SCHEDULE O 404394 FAIR ISAAC CORPORATION 3661 VALLEY CENTRE DR SAN DIEGO CA 92130 SEE SCHEDULE O 400019 7 6010732 6010732 0 365760 365760 0 0 0 0 0 3115968 2944138 171830 171830 171830 0 0 0 0 6548322 0 537590 3019079 3019079 0 0 0 0 0 0 0 0 0 4111764 4108114 3650 22 22 42000 42000 0 0 12834 12834 0 2913820 2913820 50017 2061 47956 22019 22019 0 185418 118256 67162 175078 114914 60164 0 90967 79983 10984 0 0 0 0 TEMPORARY HELP 677 526 151 OTHER TAXES/PENALTIES 80 80 PUBLICATIONS/PRINTING 251 251 BANK SERVICE FEES 4962 4962 2771 2771 10631759 10357004 274755 0 817478 567218 17463679 10121476 0 0 61452 0 0 0 0 0 0 0 0 0 165087 189096 0 24016108 28802942 0 0 0 0 0 0 0 0 42523804 39680732 549227 672503 108699 79255 0 0 0 0 0 0 0 0 0 0 0 0 501 760 658427 752518 X 41865377 38928214 0 0 0 0 41865377 38928214 42523804 39680732 X -4083437 1106622 3382251 12834 -3355433 X false true X true false RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 DUE TO RELATED ORGANIZATION 760 760 X 11037195 1106622 3382251 4488873 6548322 6548322 13974357 3382251 -39653 3342598 10631759 10631759 ASC 740 FOOTNOTE FROM FINRA CONSOLIDATED AUDITED FINANCIAL STATEMENTS 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 2010 TO 2013, 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 ALBANY COUNTY PUBLIC LIBRARY 310 SOUTH 8TH STREET LARAMIE WY 82070 830240069 501(C)(3) 14900 SEE SCHEDULE O ALOHA UNITED WAY 200 N VINEYARD BLVD HONOLULU HI 96817 990073494 501(C)(3) 70572 SEE SCHEDULE O ARIVA INC 69 E 167TH STREET BRONX NY 10452 320028598 501(C)(3) 37565 SEE SCHEDULE O BBB OF METRO NEW YORK 30 E 33RD STREET NEW YORK NY 10016 136263835 501(C)(3) 32000 SEE SCHEDULE O BIRMINGHAM PUBLIC LIBRARY FOUNDATION 2100 PARK PLACE BIRMINGHAM AL 35203 311612175 501(C)(3) 100000 SEE SCHEDULE O CENTRAL NEW MEXICO COMMUNITY COLLEGE FND 525 BUENA VISTA SE ALBUQUERQUE NM 87105 850338623 501(C)(3) 73975 SEE SCHEDULE O ESTES VALLEY PUBLIC LIBRARY FOUNDATION PO BOX 1470 ESTES PARK CO 80517 742385213 501(C)(3) 32632 SEE SCHEDULE O FAYETTEVILLE PUBLIC LIBRARY FOUNDATION 401 W MOUNTAIN FAYETTEVILLE AR 72701 710827418 501(C)(3) 49658 SEE SCHEDULE O 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14361 SEE SCHEDULE O MONTANA STATE UNIVERSITY EXTENSION 309 MONTANA HALL BOZEMAN MT 59717 816010045 501(C)(3) 63246 SEE SCHEDULE O NATIONAL LABOR COLLEGE 10000 N HAMPSHIRE SILVER SPRING MD 20903 520895834 501(C)(3) 40793 SEE SCHEDULE O NILES DISTRICT LIBRARY 620 E MAIN NILES MI 49120 381358411 501(C)(3) 35252 SEE SCHEDULE O NORTHEAST LIBRARY SYSTEM 3038 33RD AVENUE COLUMBUS NE 68601 470587492 501(C)(3) 50000 SEE SCHEDULE O OPERATION HOPE 707 WILSHIRE BLVD LOS ANGELES CA 90017 954378084 501(C)(3) 30484 SEE SCHEDULE O PACE UNIVERSITY SCHOOL OF LAW 1 PACE PLAZA NEW YORK NY 10038 135562314 501(C)(3) 25082 SEE SCHEDULE O PEPPERDINE UNIVERSITY SCHOOL OF LAW 24255 PACIFIC COAST HWY MALIBU CA 90263 951644037 501(C)(3) 25000 SEE SCHEDULE O PIONEER LIBRARY SYSTEM FOUNDATION 225 N WEBSTER NORMAN OK 73069 010946757 501(C)(3) 28984 SEE SCHEDULE O PUBLIC LIBRARY OF CINCINNATI & HAMILTON COUNTY 800 VINE STREET CINCINNATI OH 45202 300234776 501(C)(3) 57853 SEE SCHEDULE O RISE FOUNDATION 2650 THOUSAND OAKS BLVD MEMHIS TN 38118 311712061 501(C)(3) 62352 SEE SCHEDULE O RUNDEL LIBRARY FOUNDATION 115 SOUTH AVENUE ROCHESTER NY 14604 161347453 501(C)(3) 29255 SEE SCHEDULE O SAN DIEGO PUBLIC LIBRARY FOUNDATION 820 E STREET SAN DIEGO CA 92101 330959608 501(C)(3) 100000 SEE SCHEDULE O SEEKONK PUBLIC LIBRARY TRUST 410 NEWMAN AVENUE SEEKONK MA 02771 222969879 501(C)(3) 49409 SEE SCHEDULE O SETON HALL UNIVERSITY SCHOOL OF LAW ONE NEWARK CENTER NEWARK NJ 07102 221500645 501(C)(3) 62500 SEE SCHEDULE O SPOKANE COUNTY UNITED WAY 920 N WASHINGTON STREET SPOKANE WA 99201 910606058 501(C)(3) 75000 SEE SCHEDULE O ST LOUIS COUNTY LIBRARY FOUNDATION 1640 LINDBERG BLVD ST LOUIS MO 63131 431863977 501(C)(3) 20848 SEE SCHEDULE O SUFFOLK UNIVERSITY LAW SCHOOL 8 ASHBURTON PLACE BOSTON MA 02108 042133255 501(C)(3) 25000 SEE SCHEDULE O UNITED WAY OF CENTRAL OHIO INC 360 S THIRD ST COLUMBUS OH 43215 314393712 501(C)(3) 48047 SEE SCHEDULE O UNITED WAY OF FAIRFIELD COUNTY 115 S BROAD ST LANCASTER OH 43130 310644804 501(C)(3) 12722 SEE SCHEDULE O UNITED WAY OF GREATER CINCINNATI 2400 READING RD CINCINNATI OH 45202 310537502 501(C)(3) 75000 SEE SCHEDULE O UNITED WAY OF INLAND VALLEYS 6215 RIVER CREST DRIVE RIVERSIDE CA 92507 951742174 501(C)(3) 43835 SEE SCHEDULE O UNITED WAY OF KING COUNTY 720 2ND AVE SEATTLE WA 98104 910565555 501(C)(3) 73403 SEE SCHEDULE O UNITED WAY OF LARIMER COUNTY 424 PINE ST FORT COLLINS CO 80524 846031503 501(C)(3) 54474 SEE SCHEDULE O UNITED WAY OF MASSACHUSETTS BAY & MERRIMACK VALLEY 51 SLEEPER STREET BOSTON MA 02210 042382233 501(C)(3) 75000 SEE SCHEDULE O UNITED WAY OF NORTHEAST FLORIDA 1301 RIVERPLACE JACKSONVILLE FL 32207 590637825 501(C)(3) 67937 SEE SCHEDULE O UNITED WAY OF RIVER CITIES 820 MADISON AVENUE HUNTINGTON WV 25704 550384704 501(C)(3) 69850 SEE SCHEDULE O UNITED WAY OF SILICON VALLEY 1400 PARKMOOR AVENUE SAN JOSE CA 95126 941450153 501(C)(3) 74250 SEE SCHEDULE O UNITED WAY OF THE MIDLANDS 1805 HARNEY STREET OMAHA NE 68102 470376605 501(C)(3) 74740 SEE SCHEDULE O UNITED WAY OF TUCSON AND SOUTHERN ARIZONA PO BOX 86750 TUCSON AZ 85754 860098932 501(C)(3) 57926 SEE SCHEDULE O UNIVERSITY OF MIAMI SCHOOL OF LAW PO BOX 405803 ATLANTA GA 30384 590624458 501(C)(3) 62500 SEE SCHEDULE O UNIVERSITY OF TENNESSEE 121 MORGAN HALL KNOXVILLE TN 37996 626001636 501(C)(3) 132814 SEE SCHEDULE O VILLAGE FAMILY SERVICE CENTER 1201 25TH STREET FARGO ND 58103 450226423 501(C)(3) 25000 SEE SCHEDULE O 57 1 DESCRIPTION OF ORGANIZATION'S PROCEDURES FOR MONITORING THE USE OF 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 KEYED 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 979020 0 1250000 0 322002 0 52422 0 20312 0 2623756 0 0 GERALDINE M WALSH PRESIDENT 0 274273 0 163000 0 100652 0 30557 0 17140 0 585622 0 26147 EILEEN M FAMIGLIETTI TREASURER 0 249811 0 125000 0 3212 0 41534 0 34505 0 454062 0 0 MARCIA E ASQUITH SECRETARY - PART-YR 0 236000 0 250000 0 174938 0 29860 0 28403 0 719201 0 82712 JENNIFER P MITCHELL SECRETARY - PART YR 0 134152 0 70000 0 21919 0 13405 0 20084 0 259560 0 0 SCHEDULE J, PART I, LINES 3 AND 4B 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 2013 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 2013 INCLUDE: 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 3 YEAR VESTING CYCLE WITH ANNUAL VESTING BEGINNING AT AGE 62. PARTICIPANTS IN THE SUPPLEMENTAL NON-QUALIFIED DEFINED CONTRIBUTION PLAN WITH CONTRIBUTIONS VESTING IN 2013 INCLUDE: MARCIA E. ASQUITH - $150,533 RICHARD G. KETCHUM - $283,350 GERALDINE M. WALSH - $81,061 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 ALL 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 AN AWARD-WINNING DOCUMENTARY; 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 2013, 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 STATE AND OTHER PUBLIC COLLEGES AND UNIVERSITIES. THE FOUNDATION PLACED 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 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 INCLUDES A SAMPLE FROM THE RAND AMERICAN LIFE PANEL. THIS ADDITIONAL SAMPLE ALLOWS RESEARCHERS TO CONDUCT LONGITUDINAL ANALYSIS AND COMBINE STUDY DATA WITH OTHER SOURCES OF DATA. 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 17, 2014. 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 SUBJECT 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 2013 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 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, 2013 AND FEBRUARY 13, 2013 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 2012 INCENTIVE COMPENSATION OF THE CEO AT ITS MEETING ON FEBRUARY 13, 2013. ALL COMPENSATION COMMITTEE MEMBERS VOTED FOR THE PROPOSED LEVEL OF EXECUTIVE COMPENSATION. FOR FURTHER INFORMATION REGARDING THE COMPENSATION OF OFFICERS, PLEASE REFER TO THE 2013 RETURN OF ORGANIZATION EXEMPT FROM INCOME TAX - FORM 990 FOR THE FOUNDATION'S PARENT ORGANIZATION, THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC. PUBLIC AVAILABILITY OF GOVERNING DOCUMENTS, CONFLICT OF INTEREST 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. 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. BBB INSTITUTE FOR MARKETPLACE TRUST - PROVIDES NATIONAL AND COMMUNITY-LEVEL OUTREACH SUPPORT FOR THE INVESTOR PROTECTION CAMPAIGN AND MILITARY FINANCIAL READINESS PROJECT. NATIONAL CRIME PREVENTION COUNCIL - HELPS TO TRAIN REPRESENTATIVES FROM SEVERAL STATE CRIME PREVENTION ASSOCIATIONS, AND ASSISTS WITH A SERIES OF WEBINARS AND ISSUES THE CRIME PREVENTION TOOLKIT WITH A SPECIAL FOCUS ON FINANCIAL FRAUD. FAIR ISAAC CORPORATION - OPERATES THE MYFICO CREDIT REPORT AND ANALYSIS TOOL AVAILABLE THROUGH THE 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 ALBANY COUNTY PUBLIC LIBRARY, LARAMIE, WY (83-0240069) SMART INVESTING@YOUR LIBRARY ALBANY COUNTY PUBLIC LIBRARY WILL PARTNER WITH FACULTY FROM THE UNIVERSITY OF WYOMING AND A LOCAL TECHNICAL COLLEGE TO PROVIDE LARAMIE RESIDENTS WITH A BETTER UNDERSTANDING OF PERSONAL FINANCES AND TOOLS TO MAKE OPTIMAL FINANCIAL DECISIONS. WORKSHOPS WILL EMPHASIZE FINANCE BASICS, PREPARING TO INVEST, RETIREMENT PLANNING AND STUDENT LOAN DEBT MANAGEMENT. 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. ARIVA, INC., NEW YORK, NY (32-0028598) FINANCIAL EDUCATION IN YOUR COMMUNITY ARIVA, INC., A SOCIAL SERVICES AGENCY ANNUALLY SERVING OVER 26,000 TAX CLIENTS IN THE BRONX, WILL COORDINATE EXPANDED SERVICES, INCLUDING PERSONAL FINANCIAL EDUCATION WORKSHOPS, A RETIREMENT SAVINGS WORKSHOP AND PERSONAL FINANCIAL COUNSELING AND COACHING. ARIVA WILL ALSO PARTNER WITH LOCAL COMMUNITY COLLEGES TO OFFER SPANISH-LANGUAGE AND ON-CAMPUS WORKSHOPS. 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. JEFFERSON COUNTY LIBRARY COOPERATIVE, BIRMINGHAM, AL (31-1612175) SMART INVESTING@YOUR LIBRARY COORDINATED BY THE JEFFERSON COUNTY LIBRARY COOPERATIVE, 15 PUBLIC LIBRARIES IN JEFFERSON AND SHELBY COUNTIES WILL COLLABORATE ON A REGIONAL EFFORT TO IMPROVE PERSONAL FINANCE EDUCATION OPPORTUNITIES AVAILABLE TO ALABAMA RESIDENTS IN NEED. PARTNERING WITH EACH OTHER AND WITH SCHOOLS, CIVIC GROUPS AND COMMUNITY NONPROFITS, THE LIBRARIES WILL FOCUS THEIR COLLECTIVE EFFORTS ON TWO DEMOGRAPHIC GROUPS: FINANCIALLY VULNERABLE ADULTS AND YOUNG PEOPLE AGES 11 TO 22. PARTICIPATING LIBRARIES AND THEIR PARTNERS WILL: PROVIDE BASIC INSTRUCTION ON ESTABLISHING GOOD MONEY HABITS EARLY IN LIFE; ENABLE FAMILIES AND INDIVIDUALS OF MODEST MEANS TO BUILD ASSETS AND ENTER THE FINANCIAL MAINSTREAM; ASSIST MEMBERS OF THE COMMUNITY TO BECOME ECONOMICALLY SELF-SUFFICIENT WITH INFORMATION ON DEBT REDUCTION AND REPAIRING CREDIT; PROVIDE INFORMATION TO PROTECT RESIDENTS FROM PREDATORY FINANCIAL PRACTICES AND FINANCIAL FRAUD; AND OFFER EDUCATIONAL EXPERIENCES ON THE FUNDAMENTALS OF INVESTING AND MANAGING FINANCIAL RESOURCES WISELY. INSTRUCTIONAL SUPPORT WILL COME FROM THE ALABAMA COOPERATIVE EXTENSION SERVICE, UNITED WAY OF CENTRAL ALABAMA, THE HISPANIC INTEREST COALITION OF ALABAMA, THE MIDDLE ALABAMA AREA AGENCY ON AGING, PERSONAL FINANCE AND MATHEMATICS TEACHERS IN AREA HIGH SCHOOLS AND FACULTY FROM THE FINANCE DEPARTMENT AT THE UNIVERSITY OF ALABAMA-BIRMINGHAM. CENTRAL NEW MEXICO COMMUNITY COLLEGE FOUNDATION, ALBUQUERQUE, NM (85-0338623) FINANCIAL EDUCATION IN YOUR COMMUNITY THE CENTRAL NEW MEXICO COMMUNITY COLLEGE FOUNDATION IS PILOTING AN INNOVATIVE AUTOMATIC ENROLLMENT MODEL THAT TIES STUDENT FINANCIAL SERVICES TO A COURSE SYLLABUS. THROUGH PARTNERSHIPS WITH COMMUNITY AGENCIES, STUDENTS ENROLLED IN A BASIC FINANCE COURSE WILL BE EXPOSED TO PROGRAMS THAT INCREASE FINANCIAL STABILITY, INCLUDING SOCIAL SERVICES BENEFITS SCREENING, FREE TAX PREPARATION SERVICES AND LEGAL ADVICE ON FINANCIAL MATTERS. ONE-ON-ONE CAREER AND FINANCIAL AID COUNSELORS WILL HELP STUDENTS PUT THEIR INDIVIDUAL PLANS INTO ACTION. ESTES VALLEY LIBRARY, ESTES PARK, CO (74-2385213) SMART INVESTING@YOUR LIBRARY ESTES VALLEY LIBRARY WILL PARTNER WITH THE LOCAL SCHOOL DISTRICT, THE YMCA AND THE ESTES PARK HOUSING AUTHORITY TO IMPROVE THE FINANCIAL AND INVESTING LITERACY OF AREA RESIDENTS, WITH A PARTICULAR EMPHASIS ON YOUTH, LOWER-INCOME FAMILIES AND SENIORS WHO NEED HELP MANAGING THEIR RETIREMENT INCOME. THE PROJECT WILL PROVIDE A SEMINAR SERIES ON BUDGETING, FINANCIAL GOAL SETTING, DEBT REDUCTION AND SAVINGS, AS WELL AS FINANCIAL CARE-GIVING FOR AGING PARENTS. 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. FLORIDA INTERNATIONAL UNIVERSITY COLLEGE OF LAW, MIAMI, FL (65-0177616) INVESTOR ADVOCACY CLINIC THE FLORIDA INTERNATIONAL UNIVERSITY COLLEGE OF LAW WILL START THE FIRST LAW SCHOOL CLINIC IN THE SOUTH THAT WILL PROVIDE LEGAL ADVICE AND OTHER HELP TO A LARGE AND GROWING NUMBER OF UNDERSERVED INVESTORS. FIU LAW SCHOOL HAS THE HIGHEST PERCENTAGE OF HISPANIC LAW STUDENTS IN THE NATION, AND BILINGUAL COMMUNITY OUTREACH EFFORTS BY CLINIC STUDENTS MAY REMOVE A CRITICAL BARRIER FOR THOSE SEEKING DISPUTE RESOLUTION SERVICES. ADA COUNTY FREE LIBRARY DISTRICT, BOISE, ID (82-0493092) SMART INVESTING@YOUR LIBRARY ADA COUNTY LYNX! CONSORTIUM LIBRARIES WILL OFFER AN ARRAY OF PROGRAMS AND ELECTRONIC SERVICES TO MEET THE FINANCIAL EDUCATION NEEDS OF GENERATION Y RESIDENTS (AGES 18-32). THE UNIVERSITY OF IDAHO EXTENSION AND OTHER STATE AGENCIES WILL COLLABORATE ON A VARIETY OF PROJECT COMPONENTS, INCLUDING FINANCE BOOK CLUBS FOR YOUNG PROFESSIONALS AND A PERSONAL FINANCE PORTAL DESIGNED FOR MOBILE TELEPHONES AND TABLET COMPUTERS. 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 EXPLORE THE LIBRARY'S FINANCIAL LITERACY COLLECTIONS. FOR TEENS IN MIDDLE AND HIGH SCHOOL, THE LIBRARY WILL SPONSOR A GRAPHIC NOVEL CONTEST AND A VIDEO CONTEST FOR WHICH STUDENTS WILL CREATE NARRATIVES ILLUSTRATING FINANCIAL THEMES LEARNED THROUGH THEIR ENGAGEMENT WITH THE FDIC MONEY SMART FOR TEENS PROGRAM AND OTHER MULTIMEDIA CURRICULA. FOR LOW- TO MODERATE-INCOME ADULTS, THE LIBRARY WILL WORK WITH ITS PARTNERS TO PROVIDE MONEY MANAGEMENT INSTRUCTION AND RESOURCES TO JOB SEEKERS AND RESIDENTS IN ECONOMIC DISTRESS. A SEPARATE TRACK OF ADULT WORKSHOPS WILL HELP RESIDENTS UNDERSTAND AND PREPARE FOR THEIR RETIREMENT NEEDS. GEORGETOWN COUNTY LIBRARY, GEORGETOWN, SC (57-0918036) SMART INVESTING@YOUR LIBRARY A TWO-YEAR CAMPAIGN LED BY THE GEORGETOWN COUNTY LIBRARY, THE COUNTY'S HUMAN SERVICES COLLABORATIVE AND COASTAL CAROLINA UNIVERSITY WILL ENCOMPASS A VARIETY OF CREATIVE LEARNING EXPERIENCES TO IMPROVE FINANCIAL LITERACY AND CAPABILITY AMONG THE COUNTY'S MOST ECONOMICALLY DISADVANTAGED RESIDENTS. PARTICIPATING AGENCIES WILL OFFER SEMINARS ON FINANCIAL GOAL SETTING, MANAGI 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 NEW NASD HOLDING INC 1735 K STREET NW WASHINGTON DC 200061506 522307595 HOLDING CO DE FINRA C-CORP 0 0 0.00000 false false false true false false false false false false false false false true true true false false false