BETA

FINRA INVESTOR EDUCATION FOUNDATION: Form 990, tax year 2012

View the entire original 990 at ProPublica ↗

Organization
FINRA INVESTOR EDUCATION FOUNDATION (EIN 20-0863779)
Tax period
2012-01-01 to 2012-12-31
Filed
2013-11-06
IRS object ID
201333109349302153
Schema version
2012v2.1
Source
Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header ReturnHeader

FieldValueIRS element (for citing)
Timestamp2013-11-06T21:17:04-06:00Timestamp
Tax Period End Date2012-12-31TaxPeriodEndDate

Preparer Firm PreparerFirm

Preparer Firm Business Name PreparerFirmBusinessName

FieldValueIRS element (for citing)
Business Name Line1ERNST & YOUNG US LLPBusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

FieldValueIRS element (for citing)
Address Line1TWO NORTH CENTRAL AVENUE STE 2300AddressLine1
CityPHOENIXCity
StateAZState
ZIP Code85004ZIPCode
FieldValueIRS element (for citing)
Return Type990ReturnType
Tax Period Begin Date2012-01-01TaxPeriodBeginDate

Filer Filer

FieldValueIRS element (for citing)
EIN200863779EIN

Name Name

FieldValueIRS element (for citing)
Business Name Line1FINRA INVESTOR EDUCATION FOUNDATIONBusinessNameLine1
FieldValueIRS element (for citing)
In Care Of Name% MARCIA E ASQUITHInCareOfName
Name ControlFINRNameControl
Phone2027288949Phone

US Address USAddress

FieldValueIRS element (for citing)
Address Line11735 K STREET NWAddressLine1
Address Line2SuiteAddressLine2
CityWASHINGTONCity
StateDCState
ZIP Code200061506ZIPCode

Officer Officer

FieldValueIRS element (for citing)
NameROB RENNERName
TitleVPTitle
Date Signed2013-11-06DateSigned

Preparer Preparer

FieldValueIRS element (for citing)
NameBRENDA D GRIESEMERName
Phone6023223000Phone
FieldValueIRS element (for citing)
Tax Year2012TaxYear
Build TS2016-02-24 21:20:13ZBuildTS

Form 990 IRS990

FieldValueIRS element (for citing)
Name Of Principal Officer PersonGERALDINE M WALSHNameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

FieldValueIRS element (for citing)
Address Line11735 K STREET NWAddressLine1
CityWASHINGTONCity
StateDCState
ZIP Code200061506ZIPCode
FieldValueIRS element (for citing)
Gross Receipts7310536GrossReceipts
Group Return For AffiliatesfalseGroupReturnForAffiliates
Organization501cXOrganization501c
Web SiteWWW.FINRAFOUNDATION.ORGWebSite
Type Of Organization CorporationXTypeOfOrganizationCorporation
Year Formation2004YearFormation
State Legal DomicileDEStateLegalDomicile
Activity Or Mission DescriptionTHE MISSION OF THE FINRA INVESTOR EDUCATION FOUNDATION IS TO PROVIDE UNDERSERVED AMERICANS WITH THE KNOWLEDGE, SKILLS AND TOOLS NECESSARY FOR FINANCIAL SUCCESS THROUGHOUT LIFE.ActivityOrMissionDescription
Nbr Voting Members Governing Body6NbrVotingMembersGoverningBody
Nbr Independent Voting Members5NbrIndependentVotingMembers
Total Nbr Employees0TotalNbrEmployees
Total Nbr Volunteers5TotalNbrVolunteers
Total Gross UBI0TotalGrossUBI
Net Unrelated Business Txbl Income0NetUnrelatedBusinessTxblIncome
Contributions Grants Prior Year1500000ContributionsGrantsPriorYear
Contributions Grants Current Year1500000ContributionsGrantsCurrentYear
Program Service Revenue Prior Year0ProgramServiceRevenuePriorYear
Program Service Revenue CY0ProgramServiceRevenueCY
Investment Income Prior Year885831InvestmentIncomePriorYear
Investment Income Current Year1188150InvestmentIncomeCurrentYear
Other Revenue Prior Year0OtherRevenuePriorYear
Other Revenue Current Year0OtherRevenueCurrentYear
Total Revenue Prior Year2385831TotalRevenuePriorYear
Total Revenue Current Year2688150TotalRevenueCurrentYear
Grants And Similar Amnts Prior Year5105343GrantsAndSimilarAmntsPriorYear
Grants And Similar Amnts CY4460239GrantsAndSimilarAmntsCY
Benefits Paid To Members Prior Year0BenefitsPaidToMembersPriorYear
Benefits Paid To Members CY0BenefitsPaidToMembersCY
Salaries Etc Prior Year0SalariesEtcPriorYear
Salaries Etc Current Year0SalariesEtcCurrentYear
Total Prof Fundrsng Exp Prior Year0TotalProfFundrsngExpPriorYear
Total Prof Fundrsng Exp CY0TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year0TotalFundrsngExpCurrentYear
Other Expense Prior Year7407549OtherExpensePriorYear
Other Expenses Current Year8117259OtherExpensesCurrentYear
Total Expenses Prior Year12512892TotalExpensesPriorYear
Total Expenses Current Year12577498TotalExpensesCurrentYear
Revenues Less Expenses Prior Year-10127061RevenuesLessExpensesPriorYear
Revenues Less Expenses CY-9889348RevenuesLessExpensesCY
Total Assets BOY51238393TotalAssetsBOY
Total Assets EOY42523804TotalAssetsEOY
Total Liabilities BOY542644TotalLiabilitiesBOY
Total Liabilities EOY658427TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY50695749NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY41865377NetAssetsOrFundBalancesEOY
Info In Schedule O Part IIIXInfoInScheduleOPartIII
Mission DescriptionTHE MISSION OF THE FINRA INVESTOR EDUCATION FOUNDATION IS TO PROVIDE UNDERSERVED AMERICANS WITH THE KNOWLEDGE, SKILLS AND TOOLS NECESSARY FOR FINANCIAL SUCCESS THROUGHOUT LIFE.MissionDescription
Significant New Program ServicesfalseSignificantNewProgramServices
Significant ChangefalseSignificantChange
Expense4460239Expense
Grants4460239Grants
DescriptionGRANT PROGRAM - SEE SCHEDULE ODescription

Activity2 Activity2

FieldValueIRS element (for citing)
Expense4228412Expense
DescriptionINVESTOR PROTECTION CAMPAIGN - SEE SCHEDULE ODescription

Activity3 Activity3

FieldValueIRS element (for citing)
Expense2136743Expense
DescriptionMILITARY FINANCIAL READINESS PROJECT - SEE SCHEDULE ODescription
FieldValueIRS element (for citing)
Total Of Other Program Service Exp1479558TotalOfOtherProgramServiceExp
Total Program Service Expense12304952TotalProgramServiceExpense
Described In501 C3falseDescribedIn501C3
Schedule B RequiredtrueScheduleBRequired
Political ActivitiesfalsePoliticalActivities
Subject To Proxy TaxfalseSubjectToProxyTax
Donor Advised FundsfalseDonorAdvisedFunds
Conservation EasementsfalseConservationEasements
Collections Of ArtfalseCollectionsOfArt
Credit CounselingfalseCreditCounseling
Term Or Permanent EndowmentsfalseTermOrPermanentEndowments
Report Land Bldg EquipfalseReportLandBldgEquip
Report Invest Oth SecuritiesfalseReportInvestOthSecurities
Report Prog Rel InvestfalseReportProgRelInvest
Report Other AssetsfalseReportOtherAssets
Report Other LiabilitiestrueReportOtherLiabilities
Report Fin48 FootnotetrueReportFin48Footnote
Independent Audit Financial StmttrueIndependentAuditFinancialStmt
Consolidated Audit Financial StmttrueConsolidatedAuditFinancialStmt
SchoolfalseSchool
Foreign OfficefalseForeignOffice
Foreign ActivitiesfalseForeignActivities
More Than5000 K To OrganizationsfalseMoreThan5000KToOrganizations
More Than5000 K To IndividualsfalseMoreThan5000KToIndividuals
Professional FundraisingfalseProfessionalFundraising
Fundraising ActivitiesfalseFundraisingActivities
GamingfalseGaming
HospitalfalseHospital
Grants To OrganizationstrueGrantsToOrganizations
Grants To IndividualsfalseGrantsToIndividuals
Schedule J RequiredtrueScheduleJRequired
Tax Exempt BondsfalseTaxExemptBonds
Excess Benefit TransactionfalseExcessBenefitTransaction
Prior Excess Benefit TransactionfalsePriorExcessBenefitTransaction
Loan To Officer Or DQPfalseLoanToOfficerOrDQP
Grant To Related PersonfalseGrantToRelatedPerson
Bsnss Rltnshp With OrganizationfalseBsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family MemberfalseBsnssRltnshpThruFamilyMember
Officer Entity With Bsnss RltnshpfalseOfficerEntityWithBsnssRltnshp
Deductible Non Cash ContributionsfalseDeductibleNonCashContributions
Deductible Contributions Of ArtfalseDeductibleContributionsOfArt
TerminatedfalseTerminated
Partial LiquidationfalsePartialLiquidation
Disregarded EntityfalseDisregardedEntity
Related EntitytrueRelatedEntity
Related Org Controlled EntitytrueRelatedOrgControlledEntity
Transaction Related EntityfalseTransactionRelatedEntity
Activities Conducted PartnershipfalseActivitiesConductedPartnership
Schedule O RequiredtrueScheduleORequired
Number Forms Transmitted With109616NumberFormsTransmittedWith1096
Number W2 G Included0NumberW2GIncluded
Compliance With Backup WitholdingtrueComplianceWithBackupWitholding
Number Of Employees0NumberOfEmployees
Unrelated Business IncomefalseUnrelatedBusinessIncome
Foreign Financial AccountfalseForeignFinancialAccount
Prohibited Tax Shelter TransfalseProhibitedTaxShelterTrans
Taxable Party NotificationfalseTaxablePartyNotification
Non Deductible ContributionsfalseNonDeductibleContributions
Quid Pro Quo ContributionsfalseQuidProQuoContributions
Form8282 Property Disposed OffalseForm8282PropertyDisposedOf
Funds To Pay PremiumsfalseFundsToPayPremiums
Premiums PaidfalsePremiumsPaid
Indoor Tanning ServicesfalseIndoorTanningServices
Info In Schedule O Part VIXInfoInScheduleOPartVI
Nbr Voting Governing Body Members6NbrVotingGoverningBodyMembers
Number Independent Voting Members5NumberIndependentVotingMembers
Family Or Business RelationshipfalseFamilyOrBusinessRelationship
Delegation Of Management DutiesfalseDelegationOfManagementDuties
Changes To Organizing DocsfalseChangesToOrganizingDocs
Material Diversion Or MisusefalseMaterialDiversionOrMisuse
Members Or StockholderstrueMembersOrStockholders
Election Of Board MemberstrueElectionOfBoardMembers
Decisions Subject To ApprovaltrueDecisionsSubjectToApproval
Minutes Of Governing BodytrueMinutesOfGoverningBody
Minutes Of CommitteestrueMinutesOfCommittees
Officer Mailing AddressfalseOfficerMailingAddress
Local ChaptersfalseLocalChapters
Form990 Provided To Governing BodytrueForm990ProvidedToGoverningBody
Conflict Of Interest PolicytrueConflictOfInterestPolicy
Annual Disclosure Covered PersonstrueAnnualDisclosureCoveredPersons
Regular Monitoring EnforcementtrueRegularMonitoringEnforcement
Whistleblower PolicytrueWhistleblowerPolicy
Document Retention PolicytrueDocumentRetentionPolicy
Compensation Process CEOtrueCompensationProcessCEO
Compensation Process OthertrueCompensationProcessOther
Investment In Joint VenturefalseInvestmentInJointVenture
Upon RequestXUponRequest

The Books Are In Care Of TheBooksAreInCareOf

FieldValueIRS element (for citing)
Name PersonMARCIA E ASQUITHNamePerson
Telephone Number2027288949TelephoneNumber

Address US AddressUS

FieldValueIRS element (for citing)
Address Line11735 K STREET NWAddressLine1
CityWASHINGTONCity
StateDCState
ZIP Code200061506ZIPCode
FieldValueIRS element (for citing)
Info In Schedule O Part VIIXInfoInScheduleOPartVII

Form990 Part VII Section A Form990PartVIISectionA (9 entries)

TitleTitleAverage Hours Per WeekAverageHoursPerWeekAverage Hours Per Week RelatedAverageHoursPerWeekRelatedIndividual Trustee Or DirectorIndividualTrusteeOrDirectorReportable Comp From OrganizationReportableCompFromOrganizationReportable Comp From Related OrgsReportableCompFromRelatedOrgsOther CompensationOtherCompensationOfficerOfficer
RICHARD G KETCHUM
CHAIRMAN1.059.0X0255545474252
JANE W BARNARD
BOARD MEMBER1.0X000
JOHN T DOOLEY
BOARD MEMBER1.0X000
IDALIA P FERNANDEZ
BOARD MEMBER1.0X000
SHARON P SMITH
BOARD MEMBER1.0X000
G DONALD STEEL
BOARD MEMBER1.0X000
GERALDINE M WALSH
PRESIDENT48.012.0043963751452X
EILEEN M FAMIGLIETTI
TREASURER5.055.0037509368626X
MARCIA E ASQUITH
SECRETARY3.057.0050017588972X
FieldValueIRS element (for citing)
Total Reportable Comp From Org0TotalReportableCompFromOrg
Total Reportable Comp Frm Rltd Orgs3870359TotalReportableCompFrmRltdOrgs
Total Other Compensation283302TotalOtherCompensation
Number Individuals GT100 K0NumberIndividualsGT100K
Formers ListedfalseFormersListed
Total Comp GT150 KtrueTotalCompGT150K
Compensation From Other SourcesfalseCompensationFromOtherSources

Contractor Compensation ContractorCompensation (5 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1CityAddressOfContractor/AddressUS/CityStateAddressOfContractor/AddressUS/StateZIP CodeAddressOfContractor/AddressUS/ZIPCodeDescription Of ServicesDescriptionOfServicesCompensationCompensation
GMMB INC
PO BOX 415312BOSTONMA02241SEE SCHEDULE O2924560
CHANNEL ONE LLC
151 W 26TH STREETNEW YORKNY10001SEE SCHEDULE O624976
FAIR ISAAC CORPORATION
3661 VALLEY CENTRE DRIVESAN DIEGOCA92130SEE SCHEDULE O548330
BBB INSTITUTE FOR MARKETPLACE TRUST
3033 WILSON BOULEVARDARLINGTONVA22201SEE SCHEDULE O435000
APPLIED RESEARCH CONSULTING
320 WEST 13TH STREETNEW YORKNY10014SEE SCHEDULE O377835
FieldValueIRS element (for citing)
Number Of Contractors GT100 K7NumberOfContractorsGT100K
Related Organizations1500000RelatedOrganizations
Total Contributions1500000TotalContributions
Total Program Service Revenue0TotalProgramServiceRevenue

Investment Income InvestmentIncome

FieldValueIRS element (for citing)
Total Revenue Column764536TotalRevenueColumn
Exclusion$764,536ExclusionAmount

Income From Invest Bond Proceeds IncomeFromInvestBondProceeds

FieldValueIRS element (for citing)
Total Revenue Column0TotalRevenueColumn

Royalties Revenue RoyaltiesRevenue

FieldValueIRS element (for citing)
Total Revenue Column0TotalRevenueColumn

Rental Income Or Loss RentalIncomeOrLoss

FieldValueIRS element (for citing)
Real0Real
Personal0Personal

Net Rental Income Or Loss NetRentalIncomeOrLoss

FieldValueIRS element (for citing)
Total Revenue Column0TotalRevenueColumn

Gross Amount Sales Assets GrossAmountSalesAssets

FieldValueIRS element (for citing)
Securities5046000Securities

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

FieldValueIRS element (for citing)
Securities4622386Securities

Gain Or Loss GainOrLoss

FieldValueIRS element (for citing)
Securities423614Securities

Net Gain Or Loss Investments NetGainOrLossInvestments

FieldValueIRS element (for citing)
Total Revenue Column423614TotalRevenueColumn
Exclusion$423,614ExclusionAmount

Net Income From Fundraising Events NetIncomeFromFundraisingEvents

FieldValueIRS element (for citing)
Total Revenue Column0TotalRevenueColumn

Net Income From Gaming NetIncomeFromGaming

FieldValueIRS element (for citing)
Total Revenue Column0TotalRevenueColumn

Net Income Or Loss NetIncomeOrLoss

FieldValueIRS element (for citing)
Total Revenue Column0TotalRevenueColumn
FieldValueIRS element (for citing)
Total Other Revenue0TotalOtherRevenue

Total Revenue TotalRevenue

FieldValueIRS element (for citing)
Total Revenue Column2688150TotalRevenueColumn
Unrelated Business Revenue0UnrelatedBusinessRevenue
Exclusion$1,188,150ExclusionAmount

Grants To Domestic Orgs GrantsToDomesticOrgs

FieldValueIRS element (for citing)
Total4460239Total
Program Services4460239ProgramServices

Grants To Domestic Individuals GrantsToDomesticIndividuals

FieldValueIRS element (for citing)
Total0Total

Foreign Grants ForeignGrants

FieldValueIRS element (for citing)
Total0Total

Benefits To Members BenefitsToMembers

FieldValueIRS element (for citing)
Total0Total

Comp Current Officers Directors CompCurrentOfficersDirectors

FieldValueIRS element (for citing)
Total0Total

Comp Disqual Persons CompDisqualPersons

FieldValueIRS element (for citing)
Total0Total

Other Salaries And Wages OtherSalariesAndWages

FieldValueIRS element (for citing)
Total0Total

Pension Plan Contributions PensionPlanContributions

FieldValueIRS element (for citing)
Total0Total

Other Employee Benefits OtherEmployeeBenefits

FieldValueIRS element (for citing)
Total0Total

Payroll Taxes PayrollTaxes

FieldValueIRS element (for citing)
Total0Total

Fees For Services Management FeesForServicesManagement

FieldValueIRS element (for citing)
Total4133171Total
Program Services4130171ProgramServices
Management And General3000ManagementAndGeneral

Fees For Services Legal FeesForServicesLegal

FieldValueIRS element (for citing)
Total263Total
Management And General263ManagementAndGeneral

Fees For Services Accounting FeesForServicesAccounting

FieldValueIRS element (for citing)
Total42000Total
Management And General42000ManagementAndGeneral

Fees For Services Lobbying FeesForServicesLobbying

FieldValueIRS element (for citing)
Total0Total

Fees For Services Prof Fundraising FeesForServicesProfFundraising

FieldValueIRS element (for citing)
Total0Total

Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees

FieldValueIRS element (for citing)
Total13304Total
Management And General13304ManagementAndGeneral

Fees For Services Other FeesForServicesOther

FieldValueIRS element (for citing)
Total0Total

Advertising Advertising

FieldValueIRS element (for citing)
Total3306253Total
Program Services3291247ProgramServices
Management And General15006ManagementAndGeneral

Office Expenses OfficeExpenses

FieldValueIRS element (for citing)
Total53792Total
Program Services25892ProgramServices
Management And General27900ManagementAndGeneral

Information Technology InformationTechnology

FieldValueIRS element (for citing)
Total27066Total
Management And General27066ManagementAndGeneral

Royalties Royalties

FieldValueIRS element (for citing)
Total0Total

Occupancy Occupancy

FieldValueIRS element (for citing)
Total275475Total
Program Services207231ProgramServices
Management And General68244ManagementAndGeneral

Travel Travel

FieldValueIRS element (for citing)
Total162353Total
Program Services93657ProgramServices
Management And General68696ManagementAndGeneral

Travel Entrtnmnt Public Officials TravelEntrtnmntPublicOfficials

FieldValueIRS element (for citing)
Total0Total

Conferences Meetings ConferencesMeetings

FieldValueIRS element (for citing)
Total100960Total
Program Services94625ProgramServices
Management And General6335ManagementAndGeneral

Interest Interest

FieldValueIRS element (for citing)
Total0Total

Payments To Affiliates PaymentsToAffiliates

FieldValueIRS element (for citing)
Total0Total

Depreciation Depletion DepreciationDepletion

FieldValueIRS element (for citing)
Total0Total

Insurance Insurance

FieldValueIRS element (for citing)
Total0Total

Other Expenses OtherExpenses

FieldValueIRS element (for citing)
DescriptionALL OTHER EXPENSESDescription
Total2622Total
Program Services1890ProgramServices
Management And General732ManagementAndGeneral

Total Functional Expenses TotalFunctionalExpenses

FieldValueIRS element (for citing)
Total12577498Total
Program Services12304952ProgramServices
Management And General272546ManagementAndGeneral
Fundraising0Fundraising

Cash Non Interest Bearing CashNonInterestBearing

FieldValueIRS element (for citing)
BOY1620610BOY
EOY817478EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

FieldValueIRS element (for citing)
BOY26033196BOY
EOY17463679EOY

Pledges And Grants Receivable PledgesAndGrantsReceivable

FieldValueIRS element (for citing)
BOY0BOY
EOY0EOY

Accounts Receivable AccountsReceivable

FieldValueIRS element (for citing)
BOY57157BOY
EOY61452EOY

Receivables From Officers Etc ReceivablesFromOfficersEtc

FieldValueIRS element (for citing)
BOY0BOY
EOY0EOY

Receivables From Disqual Persons ReceivablesFromDisqualPersons

FieldValueIRS element (for citing)
BOY0BOY
EOY0EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

FieldValueIRS element (for citing)
BOY0BOY
EOY0EOY

Inventories For Sale Or Use InventoriesForSaleOrUse

FieldValueIRS element (for citing)
BOY0BOY
EOY0EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

FieldValueIRS element (for citing)
BOY68920BOY
EOY165087EOY

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

FieldValueIRS element (for citing)
BOY0BOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

FieldValueIRS element (for citing)
BOY23458022BOY
EOY24016108EOY

Investments Other Securities InvestmentsOtherSecurities

FieldValueIRS element (for citing)
BOY0BOY
EOY0EOY

Investments Program Related InvestmentsProgramRelated

FieldValueIRS element (for citing)
BOY0BOY
EOY0EOY

Intangible Assets IntangibleAssets

FieldValueIRS element (for citing)
BOY0BOY
EOY0EOY

Other Assets Total OtherAssetsTotal

FieldValueIRS element (for citing)
BOY488BOY
EOY0EOY

Total Assets TotalAssets

FieldValueIRS element (for citing)
BOY51238393BOY
EOY42523804EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

FieldValueIRS element (for citing)
BOY333050BOY
EOY549227EOY

Grants Payable GrantsPayable

FieldValueIRS element (for citing)
BOY49594BOY
EOY108699EOY

Deferred Revenue DeferredRevenue

FieldValueIRS element (for citing)
BOY0BOY
EOY0EOY

Tax Exempt Bond Liabilities TaxExemptBondLiabilities

FieldValueIRS element (for citing)
BOY0BOY
EOY0EOY

Escrow Account Liability EscrowAccountLiability

FieldValueIRS element (for citing)
BOY0BOY
EOY0EOY

Loans From Officers Directors LoansFromOfficersDirectors

FieldValueIRS element (for citing)
BOY0BOY
EOY0EOY

Mort Notes Pybl Secured Invest Prop MortNotesPyblSecuredInvestProp

FieldValueIRS element (for citing)
BOY0BOY
EOY0EOY

Unsecured Notes Loans Payable UnsecuredNotesLoansPayable

FieldValueIRS element (for citing)
BOY0BOY
EOY0EOY

Other Liabilities OtherLiabilities

FieldValueIRS element (for citing)
BOY160000BOY
EOY501EOY

Total Liabilities TotalLiabilities

FieldValueIRS element (for citing)
BOY542644BOY
EOY658427EOY
FieldValueIRS element (for citing)
Follow SFAS117XFollowSFAS117

Unrestricted Net Assets UnrestrictedNetAssets

FieldValueIRS element (for citing)
BOY50695749BOY
EOY41865377EOY

Temporarily Restricted Net Assets TemporarilyRestrictedNetAssets

FieldValueIRS element (for citing)
BOY0BOY
EOY0EOY

Permanently Restricted Net Assets PermanentlyRestrictedNetAssets

FieldValueIRS element (for citing)
BOY0BOY
EOY0EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

FieldValueIRS element (for citing)
BOY50695749BOY
EOY41865377EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

FieldValueIRS element (for citing)
BOY51238393BOY
EOY42523804EOY
FieldValueIRS element (for citing)
Info In Schedule O Part XIXInfoInScheduleOPartXI
Reconcilation Revenue Expenses-9889348ReconcilationRevenueExpenses
Reconciliation Unrealized Invest880700ReconciliationUnrealizedInvest
Reconcilation Donated Services3525665ReconcilationDonatedServices
Reconcilation Invest Expenses13304ReconcilationInvestExpenses
Reconcilation Other Changes-3360693ReconcilationOtherChanges
Method Of Accounting AccrualXMethodOfAccountingAccrual
Accountant Compile Or ReviewfalseAccountantCompileOrReview
FS AuditedtrueFSAudited

FS Audited Basis FSAuditedBasis

FieldValueIRS element (for citing)
Financial Statement BothXFinancialStatementBoth
FieldValueIRS element (for citing)
Audit CommitteetrueAuditCommittee
Federal Grant Audit RequiredfalseFederalGrantAuditRequired

Schedule B IRS990ScheduleB

Contributor Info ContributorInfo

FieldValueIRS element (for citing)
Contributor NumberRESTRICTEDContributorNumber

Contributor Name Business ContributorNameBusiness

FieldValueIRS element (for citing)
Business Name Line1RESTRICTEDBusinessNameLine1

Contributor Address US ContributorAddressUS

FieldValueIRS element (for citing)
Address Line1RESTRICTEDAddressLine1
Address Line2RESTRICTEDAddressLine2
CityRESTRICTEDCity
StateRESTRICTEDState
ZIP CodeRESTRICTEDZIPCode
FieldValueIRS element (for citing)
Aggregate ContributionsRESTRICTEDAggregateContributions

Schedule D IRS990ScheduleD

FieldValueIRS element (for citing)
Art Public Exhibition AmtsArtPublicExhibitionAmts
Held Works Of Art AmtsHeldWorksOfArtAmts
Current Year Minus3 YearsCurrentYearMinus3Years
Current Year Minus4 YearsCurrentYearMinus4Years
LandLand
BuildingsBuildings
Leasehold ImprovementsLeaseholdImprovements
EquipmentEquipment
Other Land BuildingsOtherLandBuildings
Federal Income Tax Liability0FederalIncomeTaxLiability

Other Liabilities OtherLiabilities

FieldValueIRS element (for citing)
DescriptionDUE TO RELATED ORGANIZATIONDescription
Amount$501Amount
FieldValueIRS element (for citing)
Total Of Amounts501TotalOfAmounts
Footnote In Part XIIIXFootnoteInPartXIII
Tot Revenue Etc Audited Fincl Stmt7094515TotRevenueEtcAuditedFinclStmt
Net Unrealized Gains Investments880700NetUnrealizedGainsInvestments
Donated Srvc And Use Of Facilities3525665DonatedSrvcAndUseOfFacilities
Revenue Not Rptd F9904406365RevenueNotRptdF990
Revenue Subtotal2688150RevenueSubtotal
Total Revenue Per Form9902688150TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt15924887TotExpensesEtcAuditedFinclStmt
Donated Services Use Of Facilities3525665DonatedServicesUseOfFacilities
Prior Year Adjustments-178276PriorYearAdjustments
Expenses Not Rptd F9903347389ExpensesNotRptdF990
Expenses Subtotal12577498ExpensesSubtotal
Total Expenses Per Form99012577498TotalExpensesPerForm990

Form990 Schedule D Part XIII Form990ScheduleDPartXIII (2 entries)

IdentifierIdentifierReturn ReferenceReturnReferenceExplanationExplanation
SCHEDULE D, PART X, LINE 2ASC 740 FOOTNOTE FROM FINRA CONSOLIDATED AUDITED FINANCIAL STATEMENTSU.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 2009 TO 2012, 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 2DAMOUNTS INCLUDED ON LINE 1 BUT NOT ON FORM 990, PART IX, LINE 25 RELATE TO REFUNDS OF PRIOR YEAR'S UNUSED GRANTS.

Schedule I IRS990ScheduleI

FieldValueIRS element (for citing)
Records MaintainedtrueRecordsMaintained

Recipient Table RecipientTable (74 entries)

Address Line1AddressUS/AddressLine1CityAddressUS/CityStateAddressUS/StateZIP CodeAddressUS/ZIPCodeEIN Of RecipientEINOfRecipientIRC SectionIRCSectionAmount Of Cash GrantAmountOfCashGrantPurpose Of GrantPurposeOfGrantAddress Line2AddressUS/AddressLine2
ALBANY COUNTY PUBLIC LIBRARY
310 SOUTH 8TH STREETLARAMIEWY82070830240069501(C)(3)14900SEE SCHEDULE O
ARIVA INC
69 EAST 167TH STREETBRONXNY10452320028598501(C)(3)37565SEE SCHEDULE O
ASPIRA ASSOCIATION - COMMUNITY AWARENESS
1444 EYE STREET NWWASHINGTONDC20005132627568501(C)(3)119381SEE SCHEDULE O
BRIGHTON CENTER INC
PO BOX 325NEWPORTKY41022610673886501(C)(3)100000SEE SCHEDULE O
BROOKLYN PUBLIC LIBRARY
10 GRAND ARMY PLAZABROOKLYNNY11238111904261501(C)(3)100000SEE SCHEDULE O
CAPITAL AREA UNITED WAY
700 LAUREL STREETBATON ROUGELA70802720447100501(C)(3)70030SEE SCHEDULE O
CARMEL CLAY PUBLIC LIBRARY
55 4TH AVENUE SECARMELIN46032351787253501(C)(3)42300SEE SCHEDULE O
CENTRAL NEW MEXICO COMMUNITY COLLEGE FOUNDATION
525 BUENA VISTA SEALBUQUERQUENM87105850338623501(C)(3)73975SEE SCHEDULE O
CONNECTICUT ASSOCIATION FOR HUMAN SERVICES
110 BARTHOLOMEW AVENUEHARTFORDCT06106060653158501(C)(3)75000SEE SCHEDULE O
DAKOTA COUNTY PUBLIC LIBRARY
1340 WESCOTT ROADEAGANMN55123311629273501(C)(3)69513SEE SCHEDULE O
DELAWARE COUNTY LIBRARY SYSTEM
340 N MIDDLETOWN ROADMEDIAPA19603272789554501(C)(3)48735SEE SCHEDULE O
ESTES VALLEY LIBRARY
1421 DAVID DRIVEESTES PARKCO80517742385213501(C)(3)32632SEE SCHEDULE O
FIRST NATIONS DEVELOPMENT INSTITUTE
2432 MAIN STREETLONGMONTCO80501541254491501(C)(3)155758SEE SCHEDULE O2ND FLOOR
FIU COLLEGE OF LAW
3000 NE 151ST STREETMIAMIFL33199650177616115(A)62500SEE SCHEDULE O
FRIENDS OF THE ADA COUNTY FREE LIBRARY DISTRICT
10664 W VICTORY BLVDBOISEID83709820493092501(C)(3)34500SEE SCHEDULE O
FRIENDS OF THE BLAKE LIBRARY
2351 SE MONTEREY ROADSTUARTFL34996596155142501(C)(3)14911SEE SCHEDULE O
FRIENDS OF THE BURLINGTON COUNTY LIBRARY SYSTEM
5 PIONEER BLVDWESTAMPTONNJ08060223346975501(C)(3)47971SEE SCHEDULE O
FRIENDS OF THE CHESTERFIELD COUNTY PUBLIC LIBRARY
9509 LORI ROADCHESTERFIELDVA22832521245254501(C)(3)40800SEE SCHEDULE O
FRIENDS OF THE FAIRFIELD PUBLIC LIBRARY
1080 OLD POST ROADFAIRFIELDCT06824542119268501(C)(3)50070SEE SCHEDULE O
FRIENDS OF THE GREENVILLE COUNTY LIBRARY
25 HERITAGE GREEN PLGREENVILLESC29601570520476501(C)(3)33163SEE SCHEDULE O
FRIENDS OF THE LIBRARY OF APACHE JUNCTION
1177 N IDAHO RDAPACHE JUNCTIONAZ85119860508052501(C)(3)35100SEE SCHEDULE O
FRIENDS OF THE MCFARLEN PUBLIC LIBRARY
515 PERRY ROADGRAND BLANCMI48439382288236501(C)(3)45750SEE SCHEDULE O
FRIENDS OF THE TROY PUBLIC LIBRARY
PO BOX 4445TROYMI48099386091389501(C)(3)32588SEE SCHEDULE O
GEORGE WASHINGTON UNIVERSITY
44983 KNOLL SQUAREASHBURNVA20147530196586501(C)(3)33000SEE SCHEDULE OENTERPRISE HALL 2ND FLOOR
GEORGIA STATE UNIVERSITY COLLEGE OF LAW
PO BOX 3999ATLANTAGA30302586002050501(C)(3)100000SEE SCHEDULE O
HOWARD UNIVERSITY SCHOOL OF LAW
2225 GEORGIA AVE NWWASHINGTONDC20059530204707501(C)(3)62500SEE SCHEDULE O
IDA RUPP PUBLIC LIBRARY
310 MADISON STPORT CLINTONOH43452346401091501(C)(3)9554SEE SCHEDULE O
INNOVATIONS FOR POVERTY ACTION
101 WHITNEY AVENUENEW HAVENCT06510061660068501(C)(3)98120SEE SCHEDULE O
LAWRENCE PUBLIC LIBRARY FOUNDATION
707 VERMONT STLAWRENCEKS66044481179872501(C)(3)26400SEE SCHEDULE O
LIBRARY FOUNDATIONTHE PEOPLE OF MULTNOMAH
620 SW 5TH AVENUEPORTLANDOR97204931190983501(C)(3)50000SEE SCHEDULE O
LYRASIS STATE LIBRARY OF IOWA
100 N 20TH STREETPHILADELPHIAPA19103231365979501(C)(3)36219SEE SCHEDULE O
MAINE CENTERS FOR WOMEN WORK & COMMUNITY
46 UNIVERSITY DRIVEAUGUSTAME04330016000769501(C)(3)62500SEE SCHEDULE O
MARTINSBURG-BERKELEY COUNTY PUBLIC LIBRARIES
101 W KING STREETMARTINSBURGWV25401550364258501(C)(3)39780SEE SCHEDULE O
MICHIGAN STATE UNIVERSITY COLLEGE OF LAW
648 N SHAW LANEEAST LANSINGMI48824381358000501(C)(3)100000SEE SCHEDULE O
MONROE COUNTY PUBLIC LIBRARY FOUNDATION
303 E KIRKWOOD AVEBLOOMINGTONIN47408351892355501(C)(3)39791SEE SCHEDULE O
MONTANA STATE UNIVERSITY EXTENSION
309 MONTANA HALLBOZEMANMT59717816010045501(C)(3)15563SEE SCHEDULE O
MORGAN HILL COMMUNITY FOUNDATION
PO BOX 1974MORGAN HILLCA95038800001382501(C)(3)50000SEE SCHEDULE O
NATIONAL COUNCIL ON AGING
1901 L STREET NWWASHINGTONDC20036131932384501(C)(3)94160SEE SCHEDULE O
NATIONAL LABOR COLLEGE
10000 N HAMPSHIRESILVER SPRINGMD20903520895834501(C)(3)123607SEE SCHEDULE O
NILES PUBLIC LIBRARY DISTRICT
6960 WEST OAKTON STREETNILESIL60714770597865501(C)(3)10877SEE SCHEDULE O
NORTH CAROLINA STATE UNIVERSITY (CLARK)
PO BOX 7214RALEIGHNC27695566000756115(A)66558SEE SCHEDULE O
OHIO STATE UNIVERSITY RESEARCH FOUNDATION
1960 KENNY ROADCOLUMBUSOH43210316401599501(C)(3)10794SEE SCHEDULE O
OPERATION HOPE
707 WILSHIRE BLVDLOS ANGELESCA90017954378084501(C)(3)111766SEE SCHEDULE O
PELHAM LIBRARY GUILD
3162 PELHAM PARKWAYPELHAMAL35124264800985501(C)(3)44273SEE SCHEDULE O
PEPPERDINE UNIVERSITY SCHOOL OF LAW
24255 PACIFIC COAST HWYMALIBUCA90263951644037501(C)(3)62500SEE SCHEDULE O
PIONEER LIBRARY SYSTEM FOUNDATION
225 N WEBSTERNORMANOK73069010946757501(C)(3)28984SEE SCHEDULE O
RICHLAND COUNTY PUBLIC LIBRARY
1431 ASSEMBLY STREETCOLUMBIASC29201576000396501(C)(3)78500SEE SCHEDULE O
SANTA CRUZ COMMUNITY VENTURES
324 FRONT STREETSANTA CRUZCA95060770247648501(C)(3)75000SEE SCHEDULE O
SEEKONK LIBRARY TRUST
410 NEWMAN AVENUESEEKONKMA02771222969879501(C)(3)49409SEE SCHEDULE O
SETON HALL UNIVERSITY SCHOOL OF LAW
ONE NEWARK CENTERNEWARKNJ07102221500645501(C)(3)62500SEE SCHEDULE OROOM 209
STEP UP SAVANNAH
428 BULL STREETSAVANNAHGA31401300526014501(C)(3)75000SEE SCHEDULE O
SUFFOLK UNIVERSITY LAW SCHOOL
8 ASHBURTON PLACEBOSTONMA02108042133255501(C)(3)62500SEE SCHEDULE O
UNITED NEGRO COLLEGE FUND SPECIAL PROGRAMS CORP
2750 PROSPERITY AVEFAIRFAXVA22031541980487501(C)(3)83400SEE SCHEDULE O
UNITED WAY OF MIAMI DADE
3250 SW 3 AVEMIAMIFL33129590830840501(C)(3)75000SEE SCHEDULE O
UNITED WAY OF SOUTHEASTERN MICHIGAN
660 WOODWARD AVENUEDETROITMI48226203099071501(C)(3)69300SEE SCHEDULE O
UNITED WAY OF ACADIANA
215 EAST PINHOOK RDLAFAYETTELA70501720513639501(C)(3)43329SEE SCHEDULE O
UNITED WAY OF CENTRAL OHIO INC
360 S THIRD STCOLUMBUSOH43215314393712501(C)(3)48047SEE SCHEDULE O
UNITED WAY OF CHITTENDEN COUNTY
412 FARRELL STSOUTH BURLINGTONVT05403030217229501(C)(3)71797SEE SCHEDULE O
UNITED WAY OF FAIRFIELD COUNTY
115 S BROAD STLANCASTEROH43130310644804501(C)(3)12722SEE SCHEDULE O
UNITED WAY OF GREATER CHATTANOOGA
PO BOX 4027CHATTANOOGATN37405620565962501(C)(3)75000SEE SCHEDULE O
UNITED WAY OF GREATER CINCINNATI
2400 READING RDCINCINNATIOH45202310537502501(C)(3)75000SEE SCHEDULE O
UNITED WAY OF GREATER KANSAS CITY
1080 WASHINGTON STKANSAS CITYMO64105440545812501(C)(3)75000SEE SCHEDULE O
UNITED WAY OF INLAND VALLEYS
6215 RIVER CREST DRIVERIVERSIDECA92507951742174501(C)(3)43835SEE SCHEDULE O
UNITED WAY OF KING COUNTY
720 2ND AVESEATTLEWA98104910565555501(C)(3)73403SEE SCHEDULE O
UNITED WAY OF LARIMER COUNTY
424 PINE STFORT COLLINSCO80524846031503501(C)(3)54474SEE SCHEDULE O
UNITED WAY OF MARION COUNTY
1401 NE 2ND STOCALAFL34470590946642501(C)(3)9782SEE SCHEDULE O
UNITED WAY OF RIVER CITIES
820 MADISON AVENUEHUNTINGTONWV25704550384704501(C)(3)69850SEE SCHEDULE O
UNITED WAY OF SILICON VALLEY
1400 PARKMOOR AVENUESAN JOSECA95126941450153501(C)(3)74250SEE SCHEDULE O
UNITED WAY OF TAMPA BAY
5201 W KENNEDY BLVDTAMPAFL33609593725701501(C)(3)22500SEE SCHEDULE O
UNITED WAY OF WEST CENTRAL MISSISSIPPI
920 SOUTH STVICKSBURGMS39181640330259501(C)(3)74813SEE SCHEDULE O
UNIVERSITY OF MIAMI
PO BOX 405803ATLANTAGA30384590624458501(C)(3)62500SEE SCHEDULE O
UNIVERSITY OF TENNESSEE (2011)
121 MORGAN HALLKNOXVILLETN37996626001636501(C)(3)66407SEE SCHEDULE O
WOMEN'S INSTITUTE FOR A SECURE RETIREMENT
1140 19TH STREET NWWASHINGTONDC20036521997317501(C)(3)99050SEE SCHEDULE O
YORK COUNTY LIBRARY SYSTEM
159 EAST MARKET STREETYORKPA17401237394108501(C)(3)99922SEE SCHEDULE O
FieldValueIRS element (for citing)
Total Nbr Of501 C3 And Govt Grants72TotalNbrOf501C3AndGovtGrants
Total Nbr Of Other Organizations2TotalNbrOfOtherOrganizations

Form990 Schedule I Part IV Form990ScheduleIPartIV

FieldValueIRS element (for citing)
IdentifierFORM 990, SCHEDULE IIdentifier
Return ReferenceDESCRIPTION OF ORGANIZATION'S PROCEDURES FOR MONITORING THE USE OF GRANTSReturnReference
ExplanationFOLLOWING 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.Explanation

Schedule J IRS990ScheduleJ

FieldValueIRS element (for citing)
Compensation CommitteeXCompensationCommittee
Independent ConsultantXIndependentConsultant
Written Employment ContractXWrittenEmploymentContract
Compensation SurveyXCompensationSurvey
Board Or Committee ApprovalXBoardOrCommitteeApproval
Severance PaymentfalseSeverancePayment
Supplemental Nonqual Retire PlantrueSupplementalNonqualRetirePlan
Equity Based Comp ArrangementfalseEquityBasedCompArrangement
Comp Based On Revenue Of Filing OrgfalseCompBasedOnRevenueOfFilingOrg
Comp Based On Revenue Related OrgsfalseCompBasedOnRevenueRelatedOrgs
Comp Based Net Earnings Filing OrgfalseCompBasedNetEarningsFilingOrg
Comp Based Net Earnings Relate OrgsfalseCompBasedNetEarningsRelateOrgs
Any Non Fixed PaymentsfalseAnyNonFixedPayments
Initial Contract ExceptionfalseInitialContractException

Form990 Schedule J Part II Form990ScheduleJPartII (4 entries)

TitleTitleBase Compensation Filing OrgBaseCompensationFilingOrgComp Based On Related OrgsCompBasedOnRelatedOrgsBonus Filing OrgBonusFilingOrgBonus Related OrgsBonusRelatedOrgsOther Compensation Filing OrgOtherCompensationFilingOrgOther Compensation Related OrgsOtherCompensationRelatedOrgsDeferred Comp Filing OrgDeferredCompFilingOrgDeferred Comp Related OrgsDeferredCompRelatedOrgsNontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgNontaxable Benefits Related OrgsNontaxableBenefitsRelatedOrgsTotal Compensation Filing OrgTotalCompensationFilingOrgTotal Compensation Related OrgsTotalCompensationRelatedOrgsComp Report Prior990 Filing OrgCompReportPrior990FilingOrgComp Report Prior990 Related OrgsCompReportPrior990RelatedOrgs
RICHARD G KETCHUM
CHAIRMAN09781640125000003272900476070266450262970600
GERALDINE M WALSH
PRESIDENT0255770016500001886704174509707049108900
EILEEN M FAMIGLIETTI
TREASURER0246755012500003338039473029153044371900
MARCIA E ASQUITH
SECRETARY02360930240000024082069500019472058914700

Form990 Schedule J Part III Form990ScheduleJPartIII

FieldValueIRS element (for citing)
IdentifierSupplemental Compensation InformationIdentifier
Return ReferenceSCHEDULE J, PART I, LINE 4BReturnReference
ExplanationLINE 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 2012 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 2012 INCLUDE: RICHARD G. KETCHUM - $292,594 FOR FURTHER INFORMATION REGARDING THE COMPENSATION OF OFFICERS, PLEASE REFER TO THE 2012 RETURN OF ORGANIZATION EXEMPT FROM INCOME TAX - FORM 990 FOR THE FOUNDATION'S PARENT ORGANIZATION, THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC.Explanation

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (17 entries)

IdentifierIdentifierReturn ReferenceReturnReferenceExplanationExplanation
VOLUNTEER ACTIVITIESFORM 990 PART I, LINE 6FIVE MEMBERS OF THE BOARD OF DIRECTORS SERVE ON A VOLUNTEER BASIS. THE BOARD OF DIRECTORS IS RESPONSIBLE FOR APPROVING ALL GRANTS AND PROJECTS.
EXEMPT PURPOSE ACHIEVEMENTSFORM 990, PART III, LINE 44A) GRANT PROGRAMS IN 2012, THE FOUNDATION PROVIDED 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 AWARDED 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. SMART INVESTING@YOUR LIBRARY GRANT PROGRAM IS ADMINISTERED JOINTLY BY THE FOUNDATION AND THE AMERICAN LIBRARY ASSOCIATION. THIS INVITATION-ONLY GRANT PROGRAM FUNDS PUBLIC LIBRARY AND COMMUNITY COLLEGE LIBRARY EFFORTS TO PROVIDE PATRONS WITH ACCESS TO EFFECTIVE, UNBIASED FINANCIAL EDUCATION RESOURCES. FINANCIAL EDUCATION IN YOUR COMMUNITY IS ADMINISTERED JOINTLY BY THE FOUNDATION AND UNITED WAY WORLDWIDE. THIS INVITATION-ONLY GRANT PROGRAM FUNDS REGIONAL AND LOCAL COMMUNITY-BASED ORGANIZATIONS TO MEET THE FINANCIAL EDUCATION NEEDS OF UNDERSERVED WORKING 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 INVITATION-ONLY GRANT PROGRAM AIMS TO FILL THE GAP IN LEGAL REPRESENTATION FOR SMALL INVESTORS. 4B) 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 COLLECTION AND DISSEMINATION; 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. 4C) MILITARY FINANCIAL READINESS PROJECT THE FOUNDATION LAUNCHED A COMPREHENSIVE CAMPAIGN TO DELIVER FINANCIAL EDUCATION TOOLS AND TRAINING TO MILITARY SERVICE MEMBERS AND THEIR SPOUSES IN 2006. 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 IS A PROUD PARTNER IN THE DEPARTMENT OF DEFENSE 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 SECOND WAVE WILL PROVIDE A GREAT DEAL OF VALUABLE COMPARATIVE DATA WHEN USED IN COMBINATION WITH THE INITIAL 2009 WAVE. THE 2012 STUDY 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 WILL ALLOW 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 NETWORK NEWS, SUPPORTED 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.
CLASSES OF MEMBERS AND THE NATURE OF THEIR RIGHTSFORM 990, PART VI, LINES 6, 7A and 7BLINE 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 REVIEW PROCESSFORM 990, PART VI, LINE 11THE FORM 990 WAS REVIEWED BY SENIOR MANAGEMENT AT VARIOUS STEPS THROUGHOUT THE PREPARATION CYCLE. THE FOUNDATION BOARD REVIEWED THE FINAL VERSION ON SEPTEMBER 24, 2013. 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.
WRITTEN CONFLICT OF INTEREST POLICYFORM 990, PART VI, LINE 12CTHE ORGANIZATION HAS A WRITTEN CONFLICT OF INTEREST POLICY THAT GOVERNS THE PROFESSIONAL AND ETHICAL CONDUCT OF BOARD MEMBERS, OFFICERS AND STAFF. AMONG OTHER THINGS, 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. THE WRITTEN POLICY CONTAINS AN ONGOING OBLIGATION FOR EMPLOYEES TO INFORM FINRA OF ALL BROKERAGE ACCOUNTS IN WHICH THEY HAVE AN INTEREST AND TO ARRANGE FOR FINRA TO RECEIVE DUPLICATE ACCOUNT STATEMENTS. FINRA REVIEWS TRANSACTIONS IN EMPLOYEES' BROKERAGE ACCOUNTS TO ENSURE COMPLIANCE WITH FINRA'S INVESTMENT RESTRICTIONS. AMONG OTHER THINGS, THESE RESTRICTIONS PROHIBIT EMPLOYEES FROM HAVING AN INTEREST IN A BROKER-DEALER OR ENTITY THAT DERIVES 10% OR MORE OF ITS REVENUE, NET OF INTEREST EXPENSE, FROM BROKER-DEALER SUBSIDIARIES OR AFFILIATES. A LIST OF PROHIBITED COMPANIES IS POSTED ON FINRA'S CORPORATE INTRANET. FINRA'S DEPARTMENT HEADS HAVE ACCESS TO SEVERAL ONLINE REPORTS THAT HELP THEM AVOID ASSIGNING AN EMPLOYEE TO WORK ON A PROJECT THAT WOULD GIVE RISE TO A CONFLICT. FOR INSTANCE, A MANAGER CAN DETERMINE WHETHER AN EMPLOYEE'S STOCK HOLDINGS WOULD CONFLICT WITH A PROPOSED FINRA ASSIGNMENT (E.G., ASSIGNING AN EMPLOYEE TO NEGOTIATE A CONTRACT WITH A VENDOR IN WHICH THE EMPLOYEE HAS A SIGNIFICANT STOCK POSITION). EMPLOYEES ARE REGULARLY REMINDED OF THE RESOURCES THAT ARE AVAILABLE WHEN THEY ARE UNSURE WHAT TO DO. IN ADDITION TO TALKING TO DEPARTMENTAL MANAGEMENT, EMPLOYEES CAN DISCUSS CONFLICTS-RELATED CONCERNS WITH FINRA'S OFFICE OF GENERAL COUNSEL OR ETHICS MANAGER. IF THEY ARE UNCOMFORTABLE DISCLOSING AN ISSUE AND DISCLOSING THEIR IDENTITY, THEY CAN USE FINRA'S 24-HOUR ETHICSPOINT HOTLINE TO POSE QUESTIONS OR REPORT CONCERNS. COMMUNICATIONS MADE THROUGH ETHICSPOINT ARE CONFIDENTIAL AND, IF THE EMPLOYEE WISHES, ANONYMOUS. FINRA'S WHISTLEBLOWER POLICY FORBIDS RETALIATION AGAINST EMPLOYEES WHO REPORT SUSPECTED MISCONDUCT IN GOOD FAITH, EVEN IF THE REPORT ULTIMATELY PROVES TO BE ERRONEOUS.
PROCESS TO DETERMINE COMPENSATION OF TOP OFFICIALS, OFFICERS & KEY EMP.FORM 990, PART VI, LINES 15A AND 15BTHE MANAGEMENT COMPENSATION COMMITTEE OF THE BOARD OF GOVERNORS OF FINRA (THE "COMMITTEE") IS RESPONSIBLE FOR SETTING PAY FOR EXECUTIVES OF FINRA AND SUBSIDIARIES WHOSE TOTAL COMPENSATION, INCLUDING INCENTIVE COMPENSATION, MAY EXCEED $1 MILLION. THE COMMITTEE IS COMPRISED OF FOUR NON-EMPLOYEE, NON-SECURITIES INDUSTRY MEMBERS OF THE FINRA BOARD OF GOVERNORS. THE COMMITTEE MET ON JANUARY 18, 2012 AND FEBRUARY 15, 2012 TO ESTABLISH INCENTIVE COMPENSATION ATTRIBUTABLE TO THE PERFORMANCE OF SERVICES DURING CALENDAR YEAR 2011 AND TO ESTABLISH BASE SALARIES FOR CALENDAR YEAR 2012. AS A GENERAL POLICY, FINRA HAS DETERMINED ITS COMPETITIVE COMPENSATION POSITIONING SHOULD BE CONSIDERED AGAINST A BROAD SECTION OF FINANCIAL SERVICES/CAPITAL MARKET COMPANIES, AS THIS SECTOR IS THE MOST LIKELY FROM WHICH WE RECRUIT TALENT AND TALENT IS RECRUITED FROM US. WE ALSO BENCHMARK AGAINST GENERAL INDUSTRY POSITIONS AND LAW DEPARTMENTS FOR JOBS THAT ARE NOT UNIQUE TO THE FINANCIAL SERVICES INDUSTRY. THE COMMITTEE ENGAGED MERCER, INC. ("MERCER"), A THIRD-PARTY COMPENSATION CONSULTANT, TO PREPARE A COMPENSATION STUDY FOR REVIEW AT THESE MEETINGS. IN DETERMINING A BENCHMARKING STRATEGY FOR KEY EXECUTIVES, FINANCIAL SERVICES ORGANIZATIONS (BROKER-DEALERS, INVESTMENT BANKS, FEDERAL RESERVE BANKS, COMMERCIAL BANKS, INSURANCE COMPANIES, EXCHANGES AND REGULATORS) WERE DETERMINED TO BE THE MOST RELEVANT GROUPS FOR COMPARISON PURPOSES. THE COMMITTEE AND MERCER ENGAGED IN SUBSTANTIAL RESEARCH AND CONSIDERATION OF THE FUNCTIONS AND OPERATIONS OF SEVERAL POTENTIAL COMPARATORS AS WELL AS GENERAL COMPETITIVE CONDITIONS. IN DETERMINING SPECIFIC SALARY AND INCENTIVE COMPENSATION LEVELS FOR OFFICERS AND KEY EMPLOYEES, MANAGEMENT AND THE COMMITTEE CONSIDER: 1) OPERATONAL RESULTS 2) STRATEGIC INITIATIVES 3) FINANCIAL HEALTH/RESULTS 4) INDIVIDUAL PERFORMANCE 5) COMPETITIVE COMPENSATION LEVELS AS PREPARED BY MERCER THE COMMITTEE'S MINUTES OF THE JANUARY 18, 2012 AND FEBRUARY 15, 2012 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 2011 INCENTIVE COMPENSATION OF THE CEO AT ITS MEETING ON FEBRUARY 16, 2012. ALL COMPENSATION COMMITTEE MEMBERS VOTED FOR THE PROPOSED LEVEL OF EXECUTIVE COMPENSATION.
PUBLIC AVAILABILITY OF GOVERNING DOCUMENTS, CONFLICT OF INTERESTPOLICY AND FINANCIAL STATEMENTSFORM 990, PART VI, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS AND AUDITED FINANCIAL STATEMENTS AVAILABLE UPON REQUEST.
GRANTS AND OTHER ASSISTANCE - PURPOSE OF GRANT OR ASSISTANCESCHEDULE I, PART IALBANY COUNTY PUBLIC LIBRARY, LARAMIE, WY (83-0240069) ALBANY COUNTY PUBLIC LIBRARY IS PARTNERING 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. ARIVA, INC., NEW YORK, NY (32-0028598) ARIVA, INC., A SOCIAL SERVICES AGENCY ANNUALLY SERVING OVER 26,000 TAX CLIENTS IN THE BRONX, WILL OFFER EXPANDED SERVICES, INCLUDING PERSONAL FINANCIAL EDUCATION WORKSHOPS, A RETIREMENT SAVINGS WORKSHOP AND THE AVAILABILITY OF PERSONAL FINANCIAL COUNSELING AND COACHING. ARIVA WILL ALSO PARTNER WITH LOCAL COMMUNITY COLLEGES TO OFFER SPANISH-LANGUAGE AND ON-CAMPUS WORKSHOPS. THE ASPIRA ASSOCIATION, INC., WASHINGTON, DC (13-2627568) EXPANDING HISPANIC COMMUNITIES' AWARENESS OF THE IMPORTANCE OF FINANCIAL INVESTMENT THE ASPIRA ASSOCIATION AND ITS MEDIA PARTNERS WILL CONDUCT A NATIONWIDE SOCIAL MARKETING CAMPAIGN TO COMMUNICATE THE IMPORTANCE OF INVESTING AND WEALTH CREATION TO FIRST- AND SECOND-GENERATION LATINOS. THE PROJECT WILL EXPAND THE CAPACITY OF HISPANIC COMMUNITY- AND FAITH-BASED ORGANIZATIONS TO DELIVER INVESTOR EDUCATION WORKSHOPS AND FACILITATE THE ACHIEVEMENT OF PERSONAL AND FAMILY FINANCIAL GOALS. BOONE COUNTY PUBLIC LIBRARY, BURLINGTON, KY (61-0673886) BOONE COUNTY PUBLIC LIBRARY AND THE BRIGHTON CENTER, A SOCIAL SERVICES AGENCY REACHING 84,000 CLIENTS IN NORTHERN KENTUCKY, ARE COLLABORATING TO IMPROVE THE FINANCIAL LITERACY AND FISCAL HEALTH OF FAMILIES IN THE REGION. THE PROJECT WILL CHALLENGE FAMILIES TO EVALUATE AND IMPROVE THEIR FINANCIAL HEALTH THROUGH A SERIES OF INTERACTIVE LEARNING EXPERIENCES. BROOKLYN PUBLIC LIBRARY, BROOKLYN, NY (11-1904261) BROOKLYN PUBLIC LIBRARY WILL OFFER A COMBINATION OF WORKSHOPS, SEMINARS, INDIVIDUAL COUNSELING SESSIONS AND VIRTUAL INVESTMENT CLUBS FOR ADULTS AND TEENS IN THE LIBRARY'S SERVICE AREA. THE BEDFORD-STUYVESANT RESTORATION CORPORATION (THE NATION'S FIRST COMMUNITY DEVELOPMENT CORPORATION), THE COALITION FOR DEBTOR EDUCATION AND MIND YOUR MONEY (AN ORGANIZATION DEVOTED TO THE FINANCIAL LITERACY OF TEENS AND PRE-TEENS) WILL ASSIST WITH PUBLIC PROGRAMS AND ONE-ON-ONE COUNSELING. CAPITAL AREA UNITED WAY, BATON ROUGE, LA (72-0447100) 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 TRAINING, AND INFORMATION AND TIPS ON HOW TO MAKE REFERRALS TO PARENTS WHO MIGHT BENEFIT FROM ADDITIONAL ECONOMIC SUPPORTS AND SERVICES. CARMEL CLAY PUBLIC LIBRARY, CARMEL, IN (35-1787253) CARMEL CLAY PUBLIC LIBRARY WILL COLLABORATE WITH THE LOCAL PUBLIC SCHOOL SYSTEM, THE BALL STATE UNIVERSITY CENTER FOR ECONOMIC EDUCATION, AND THE INDIANA COUNCIL FOR ECONOMIC EDUCATION AND THE INDIANA YOUTH INSTITUTE TO ESTABLISH THE LIBRARY AS THE COUNTY'S FOCAL POINT FOR PERSONAL FINANCE LEARNING. THE PROGRAM WILL ADDRESS MONEY BASICS FOR TEENS, COLLEGE FINANCING, RETIREMENT PLANNING AND INVESTOR PROTECTION, AMONG OTHER TOPICS. CENTRAL NEW MEXICO COMMUNITY COLLEGE FOUNDATION, ALBUQUERQUE, NM (85-0338623) 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. CONNECTICUT ASSOCIATION FOR HUMAN SERVICES, HARTFORD, CT (06-0653158) THE CONNECTICUT ASSOCIATION FOR HUMAN SERVICES WILL PARTNER WITH EXISTING VOLUNTEER INCOME TAX ASSISTANCE COALITIONS TO PROVIDE ACCESS TO FINANCIAL EDUCATION, FINANCIAL COACHING AND ASSET BUILDING PROGRAMS FOR 1,700 CLIENTS WHO QUALIFY FOR THE EARNED INCOME TAX CREDIT. THE PROJECT WILL FOCUS ON NEIGHBORHOODS IN FAIRFIELD, NEW HAVEN AND LITCHFIELD COUNTIES, WHERE 40 PERCENT OR MORE OF THE POPULATION QUALIFIES FOR THE REFUNDABLE TAX CREDIT. DAKOTA COUNTY LIBRARY, EAGAN, MN (31-1629273) DAKOTA COUNTY LIBRARY'S INITIATIVE, "DOLLARS BY THE DECADE," WILL PROMOTE FINANCIAL LITERACY EDUCATION AS A LIFELONG PROCESS ADDRESSING THE EVOLVING NEEDS OF RESIDENTS IN VARIOUS LIFE STAGES. RECOGNIZING THAT INDIVIDUALS WILL COME TO THE PROGRAM WITH DIFFERENT LEVELS OF KNOWLEDGE AND INTERESTS, THE PROGRAM WILL USE PRINT, DIGITAL AND IN-PERSON WORKSHOPS TO TEACH PERSONAL FINANCE FUNDAMENTALS SUCH AS BUDGETING, SAVING, SPENDING, CREDIT AND FINANCIAL PROTECTION. DELAWARE COUNTY LIBRARY SYSTEM, MEDIA, PA (27-2789554) DELAWARE COUNTY LIBRARY SYSTEM IS PARTNERING WITH THE CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY AND VARIOUS PENNSYLVANIA STATE AGENCIES TO IMPROVE THE FINANCIAL LITERACY AND CAPABILITY OF LOW- TO MODERATE-INCOME FAMILIES IN THE REGION. EDUCATIONAL EXPERIENCES WILL HELP PARTICIPANTS MANAGE BUDGETS AND DEBT AND PLAN FOR FUTURE NEEDS. ESTES VALLEY LIBRARY, ESTES PARK, CO (74-2385213) 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. THE SEMINARS WILL ENCOMPASS MORE THAN 1,000 HOURS OF INSTRUCTIONAL TIME PER YEAR IN BOTH ENGLISH AND SPANISH. 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 (FIU), MIAMI, FL(65-0177616)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) 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. MARTIN COUNTY LIBRARY SYSTEM (59-6155142) MARTIN COUNTY LIBRARY SYSTEM AND THE UNIVERSITY OF FLORIDA COOPERATIVE EXTENSION WILL PROVIDE A GRADUATED SERIES OF PERSONAL FINANCE AND INVESTING WORKSHOPS FOR LOWER-INCOME RESIDENTS REFERRED BY HABITAT FOR HUMANITY AND LOCAL SOCIAL SERVICES AGENCIES. THE PROGRAMMING WILL EMPHASIZE THE FINANCIAL CONSIDERATIONS PERTAINING TO HOMEOWNERSHIP, SAVING FOR CHILDREN'S EDUCATION, PLANNING FOR RETIREMENT AND REBUILDING A NEST EGG. BURLINGTON COUNTY LIBRARY SYSTEM, WESTAMPTON, NJ (22-3346975) BURLINGTON COUNTY LIBRARY SYSTEM WILL PARTNER WITH RUTGERS UNIVERSITY COOPERATIVE EXTENSION, THE NEW JERSEY COALITION FOR FINANCIAL EDUCATION AND THE LIBRARY/TECHNOLOGY CENTER AT NEARBY JOINT BASE MCGUIRE-DIX-LAKEHURST TO OFFER A VARIETY OF PERSONAL FINANCE AND INVESTING WORKSHOPS FOR ADULTS. THESE FACE-TO-FACE SESSIONS WILL BE SUPPLEMENTED BY CUSTOMIZABLE WEB-BASED LEARNING RESOURCES. CHESTERFIELD COUNTY PUBLIC LIBRARY, CHESTERFIELD, VA (52-1245254) CHESTERFIELD COUNTY PUBLIC LIBRARY WILL WORK WITH LOCAL ELEMENTARY SCHOOLS, PARENT TEACHER ASSOCIATION'S AND THE FEDERAL RESERVE BANK OF RICHMOND TO HELP MOMS AND THEIR CHILDREN UNDERSTAND THE MATHEMATICS OF PERSONAL FINANCE AND INVESTING. FAIRFIELD PUBLIC LIBRARY, FAIRFIELD, CT (54-2119268) FAIRFIELD PUBLIC LIBRARY WILL BUILD ON ITS AWARD-WINNING JOB ASSISTANCE PROGRAM AND OFFER A SERIES OF PRACTICAL PERSONAL FINANCE WORKSHOPS FOR ADULTS AIMED AT EXPANDING INVESTING CAPABILITY WITH A COMBINATION OF DIRECT INSTRUCTION AND TEAM-BASED LEARNING. GREENVILLE COUNTY LIBRARY SYSTEM, GREENVILLE, SC (57-0520476) GREENVILLE COUNTY LIBRARY SYSTEM AND ITS PARTNERS WILL PURSUE A MULTIFACETED PROJECT DESIGNED TO TURN PERSONAL FINANCE ASSUMPTIONS INTO CHANGED ATTITUDES, CHANGED ATTITUDES INTO CHANGED BEHAVIORS, AND CHANGED BEHAVIORS INTO CHANGED HABITS. WORKSHOPS ON THE PSYCHOLOGY OF SPENDING, A PUBLIC INFORMATION CAMPAIGN ANCHORED BY A DEDICATED PROJECT WEBSITE AND HELP WITH TAX PREPARATION ARE JUST A FEW OF THE STRATEGIES PLANNED TO HELP FEMALE HEADS OF HOUSEHOLD OVERCOME OBSTACLES AND ACHIEVE THEIR MONEY GOALS. APACHE JUNCTION PUBLIC LIBRARY, APACHE JUNCTION, AZ (86-0508052) THE APACHE JUNCTION PUBLIC LIBRARY WILL PARTNER WITH THE UNIVERSITY OF ARIZONA TO OFFER FINANCIAL LITERACY CLASSES AT THE LIBRARY AND OTHER COMMUNITY LOCATIONS, EMPHASIZING THE SMALL STEPS RESIDENTS CAN TAKE TO LEAD A HEALTHY LIFESTYLE, BOTH PHYSICALLY AND FINANCIALLY. GENESEE DISTRICT LIBRARY (38-2288236) THE GENESEE DISTRICT LIBRARY WILL COLLABORATE WITH CENTRAL MICHIGAN UNIVERSITY AND THE REGIONAL CHAMBER OF COMMERCE TO ESTABLISH A "FAMILY FINANCIAL FREEDOM" EDUCATION INITIATIVE WITH PROGRAMMING AND SERVICES FOR K-12 STUDENTS, CURRENT COLLEGE STUDENTS, RECENT GRADUATES AND AFRICAN AMERICAN WOMEN, AMONG OTHERS. TROY PUBLIC LIBRARY, TROY, MI (38-6091389) TROY PUBLIC LIBRARY WILL HELP HIGH SCHOOL STUDENTS AND THEIR PARENTS TO ESTABLISH A FINANCIAL PLAN FOR COLLEGE AND BEYOND. THE PROJECT ADDRESSES SAVING AND INVESTING TO COVER COLLEGE EXPENSES, AS WELL AS THE SKILLS AND KNOWLEDGE STUDENTS NEED TO MANAGE THEIR FINANCES WHILE IN COLLEGE AND AFTER THEY GRADUATE. SESSIONS WILL BEGIN WITH A FOCUS ON FINANCIAL BASICS (BANKING, BUDGETING, ETC.), MOVING ON TO COLLEGE AFFORDABILITY, FINANCIAL AID, INVESTMENT CONSIDERATIONS, AND MANAGING DEBT AFTER GRADUATION. SESSIONS WILL ALSO REINFORCE PARENTS' ROLE AS THE PRIMARY FINANCIAL BEHAVIORAL MODEL FOR THEIR STUDENTS. THE SEMINARS WILL TAKE PLACE AT THE LIBRARY'S TECHNOLOGY CENTER AND AT THREE AREA HIGH SCHOOLS. NEARBY OAKLAND UNIVERSITY, WALSH COLLEGE, THE LOCAL CONSUMER CREDIT COUNSELING AGENCY, AND THE CITY OF TROY FINANCE DEPARTMENT WILL PROVIDE INSTRUCTIONAL SUPPORT FOR THE PROJECT. GEORGE WASHINGTON UNIVERSITY, WASHINGTON, DC (53-0196586) WORKPLACE FINANCIAL EDUCATION FOR NEWLY HIRED WORKERS FACULTY AT GEORGE WASHINGTON UNIVERSITY AND NORTH CAROLINA STATE UNIVERSITY ARE PREPARING A REPORT DESCRIBING PRACTICAL, COST-EFFECTIVE STRATEGIES THAT EMPLOYERS CAN PURSUE TO ENCOURAGE NEW EMPLOYEES TO SAVE FOR RETIREMENT. THE REPORT WILL EXAMINE AUTOMATIC RETIREMENT SAVINGS ENROLLMENT FEATURES, SHARE WORKER PERSPECTIVES ON FINANCIAL INFORMATION PROVIDED TO THEM BY THEIR EMPLOYERS, AND DESCRIBE LOW-COST "INFORMATIONAL NUDGES" THAT CAN INCREASE RETIREMENT SAVINGS. THE REPORT WILL ALSO PROVIDE GUIDANCE TO EMPLOYERS SEEKING TO ASSESS THEIR CURRENT PLAN DESIGNS AND EDUCATIONAL EFFORTS. GEORGIA STATE UNIVERSITY COLLEGE OF LAW, ATLANTA, GA (58-6002050) GEORGIA STATE UNIVERSITY COLLEGE OF LAW WILL ESTABLISH THE FIRST INVESTOR CLINIC IN GEORGIA. THE NEW CLINIC WILL SERVE SMALL INVESTORS WHO MAY NOT BE ABLE TO OBTAIN REPRESENTATION DUE TO THE SIZE OF THEIR CLAIMS. THE CLINIC WILL ALSO DEVELOP AN EDUCATIONAL PROGRAM FOR STATE RESIDENTS TO HELP THEM LEARN ABOUT INVESTING AND HOW TO AVOID BECOMING VICTIMS OF FRAUD. HOWARD UNIVERSITY SCHOOL OF LAW, WASHINGTON, DC (53-0204707) THE HOWARD UNIVERSITY SCHOOL OF LAW WILL EXPAND ITS CLINICAL LAW CENTER TO INCLUDE AN INVESTOR JUSTICE AND EDUCATION CLINIC. THE CLINIC WILL PROVIDE LEGAL ADVICE TO UNDERSERVED INVESTORS AND WILL CONDUCT INVESTOR EDUCATION WORKSHOPS AND SEMINARS IN COOPERATION WITH OUTSIDE COMMUNITY ASSOCIATIONS, FAITH-BASED ORGANIZATIONS AND GOVERNMENT AGENCIES. IDA RUPP PUBLIC LIBRARY, PORT CLINTON, OH (34-6401091) IDA RUPP PUBLIC LIBRARY WILL PARTNER WITH UNITED WAY, THE PORT CLINTON CITY SCHOOL DISTRICT, AND COMMUNITY ORGANIZATIONS TO TEACH LOW-INCOME CHILDREN AND THEIR PARENTS FINANCIAL FUNDAMENTALS THROUGH HANDS-ON SUMMER ACTIVITIES, AS WELL AS WORKSHOPS AND CLASSES SCHEDULED THROUGHOUT THE YEAR. PROGRAMMING WILL ADDRESS EARNING MONEY, NEEDS VS. WANTS, BANKING FUNDAMENTALS, BUDGETING BASICS, ESTABLISHING SAVINGS GOALS, AND SIMILAR BASIC TOPICS. CHILDREN WILL BE INCENTIVIZED TO READ AGE-APPROPRIATE STORYBOOKS WITH A MONEY THEME AND REPORT WHAT THEY LEARN. THROUGHOUT THE NON-SUMMER MONTHS, THE LIBRARY WILL SPONSOR ADDITIONAL ACTIVITIES THAT BRING PARENTS, CHILDREN, AND TEENS TOGETHER AND MODEL STRATEGIES THAT PARENTS CAN USE TO TEACH THEIR CHILDREN GOOD MONEY HABITS AND SKILLS. ADULT PROGRAMS-CONDUCTED IN PARTNERSHIP WITH UNITED WAY, LOCAL FINANCIAL EDUCATORS, AND SUPERVISED GRADUATE STUDENTS FROM BOWLING GREEN UNIVERSITY'S ECONOMICS DEPARTMENT-WILL ADDRESS INVESTING BASICS, CREDIT, DEBT, HOUSEHOLD BUDGETING, IDENTITY THEFT, FRAUD PREVENTION, AND PERSONAL FINANCE RESOURCES AVAILABLE AT THE LIBRARY.
INNOVATIONS FOR POVERTY ACTION, NEW HAVEN, CT (06-1660068)EVALUATING THE EFFECTIVENESS OF FINANCIAL EDUCATION AND COMMITMENT SAVINGS CONTRACTS RESEARCHERS ARE INVESTIGATING THE EXTENT TO WHICH COMMITMENT CONTRACTS IMPROVE THE FINANCIAL WELL-BEING OF LOW-INCOME INDIVIDUALS. BASED ON BEHAVIORAL FINANCE, COMMITMENT CONTRACTS HELP CLIENTS ACQUIRE THE DISCIPLINE TO REACH SELF-DEFINED GOALS. CREDIT WHERE CREDIT IS DUE, A NEW YORK CITY NONPROFIT THAT FACILITATES WEALTH BUILDING THROUGH FINANCIAL EDUCATION AND COMMUNITY PARTNERSHIPS WITH CREDIT UNIONS AND OTHERS, IS HELPING RESEARCHERS FACILITATE RANDOMIZED CONTROLLED FIELD EXPERIMENTS AND PROVIDING FINANCIAL EDUCATION. LAWRENCE PUBLIC LIBRARY, LAWRENCE, KS (48-1179872) LAWRENCE PUBLIC LIBRARY WILL INCORPORATE A NEW FINANCIAL WELLNESS CLINIC INTO ITS BUSINESS CENTER TO PROVIDE STRAIGHTFORWARD MONEY MANAGEMENT AND INVESTING INFORMATION TO LOW-INCOME FAMILIES. THIS WILL BE ACCOMPLISHED THROUGH PARTNERSHIPS WITH THE LOCAL SCHOOL DISTRICT AND SOCIAL SERVICES AGENCIES, A SERIES OF EDUCATIONAL WORKSHOPS AND A PROMOTIONAL CAMPAIGN USING BOTH TRADITIONAL AND SOCIAL MEDIA. MULTNOMAH COUNTY LIBRARY, PORTLAND, OR (93-1190983) MULTNOMAH COUNTY LIBRARY WILL EXPAND ITS MOBILE FINANCIAL LITERACY LABS TESTED UNDER A PREVIOUS GRANT FROM SMART INVESTING@YOUR LIBRARY. THE LABS WILL BE STAFFED BY A TEAM OF TRAINED LIBRARIANS AND WILL USE TABLET, TOUCH-SCREEN TECHNOLOGY TO CONNECT VULNERABLE POPULATIONS WITH CURATED FINANCIAL AND INVESTOR EDUCATION RESOURCES FORMATTED TO SUIT USERS' DIFFERENT LEARNING PREFERENCES. THE LABS WILL ALSO INCORPORATE CURRICULUM MODULES CUSTOMIZED FOR EACH AUDIENCE COHORT. THE NEW LAB LESSONS WILL BE DIFFERENTIATED BY AUDIENCE GROUP AND WILL INCLUDE: CREATING A BUDGET; ESTABLISHING AN EMERGENCY FUND; PAYING DOWN CONSUMER DEBT; MANAGING CREDIT; AVOIDING SCAMS AND PAYDAY LENDERS; INVESTING FOR RETIREMENT; SAFEGUARDING INVESTMENTS; UNDERSTANDING REVERSE MORTGAGES; ESTATE PLANNING; AND CARING FOR AND PROTECTING ELDERLY PARENTS FINANCIALLY. STATE LIBRARY OF IOWA, DES MOINES, IA (23-1365979) THE STATE LIBRARY OF IOWA, IN PARTNERSHIP WITH IOWA STATE UNIVERSITY EXTENSION AND AMES PUBLIC LIBRARY, WILL EXPAND A SUCCESSFUL, MIXED-METHODS (ONLINE AND FACE-TO-FACE), LIBRARY-BASED FINANCIAL EDUCATION MODEL TO 18 UNDERSERVED RURAL COMMUNITIES ACROSS IOWA. THE ONLINE COURSES WILL EACH LAST SIX WEEKS AND WILL BE SEGMENTED ACCORDING TO THREE GENERATIONAL COHORTS: STARTING OUT (GENERATION X), BUILDING UP (TRAILING BABY BOOMERS) AND MAKING IT LAST (RETIREES). A CAPSTONE, FACE-TO-FACE EVENT IN EACH LOCATION WILL FOLLOW THE ONLINE LEARNING AND BRING THE LOCAL LIBRARIES INTO LASTING PARTNERSHIP WITH COMMUNITY ORGANIZATIONS. MAINE CENTERS FOR WOMEN, WORK & COMMUNITY, AUGUSTA, ME (01-6000769) MAINE CENTERS FOR WOMEN, WORK & COMMUNITY WILL ADD MODULES ON INVESTING AND RETIREMENT PLANNING TO THEIR BASIC MONEY MANAGEMENT CURRICULUM, INTEGRATE FINANCIAL PLANNING AND INVESTING SKILLS AS CORE COMPETENCIES IN THEIR WORKFORCE DEVELOPMENT PROGRAMS, AND CREATE MORE EFFECTIVE MARKETING AND PROMOTIONAL TOOLS TO SUPPORT THEIR WORK. MARTINSBURG-BERKELEY COUNTY PUBLIC LIBRARIES, MARTINSBURG, WV (55-0364258) THE MARTINSBURG-BERKELEY COUNTY PUBLIC LIBRARIES WILL PARTNER WITH THE BLUE RIDGE COMMUNITY AND TECHNICAL COLLEGE TO ESTABLISH A FOUR-PART FINANCIAL LITERACY PROGRAM SERVING COUNTY RESIDENTS UNDER THE THEME "FREE-WAY TO FINANCIAL INFORMATION." THE PROGRAM WILL INCLUDE A FAMILY FINANCIAL FAIR FEATURING SERVICES AVAILABLE IN THE EASTERN PANHANDLE OF WEST VIRGINIA, SPECIAL PROGRAMMING ON FINANCIAL BASICS FOR CHILDREN AND TEENS DELIVERED WITH ASSISTANCE FROM THE SHENANDOAH VALLEY DISCOVERY MUSEUM, FINANCIAL SEMINARS FOR ADULTS AND A "CASH CORRIDOR" ON THE LIBRARY SYSTEM'S WEBSITE WITH MULTIMEDIA PERSONAL FINANCE RESOURCES. MICHIGAN STATE UNIVERSITY COLLEGE OF LAW, EAST LANSING, MI (38-1358000) MICHIGAN STATE UNIVERSITY COLLEGE OF LAW WILL EXPAND ITS CLINICAL PROGRAM WITH AN INVESTOR ADVOCACY CLINIC. THE FIRST SUCH CLINIC IN MICHIGAN WILL SERVE SMALL INVESTORS IN NEED OF LEGAL ADVICE TO RESOLVE THEIR CLAIMS. THE CLINIC WILL ALSO DEVELOP AN INVESTOR EDUCATION PROGRAM TO BE DELIVERED THROUGH COMMUNITY ORGANIZATIONS SERVING STATE RESIDENTS. MONROE COUNTY PUBLIC LIBRARY, BLOOMINGTON, IN (35-1892355) THE MONROE COUNTY PUBLIC LIBRARY WILL TARGET TEENS AND 20-SOMETHINGS, INCLUDING SPANISH SPEAKERS, THROUGH 15 WORKSHOPS AND 15 "TALK-TO-AN-EXPERT" SESSIONS ON FIVE HIGH-PRIORITY TOPICS: BUDGETING, SAVING, SPENDING, MANAGING CREDIT AND DEBT, AND INVESTING. PROGRAMS WILL OCCUR AT THE LIBRARY AND VARIOUS COUNTY LOCATIONS, AND WILL BE PRODUCED WITH ASSISTANCE FROM PURDUE EXTENSION, IN PART TO LEVERAGE COMMUNITY-WIDE ATTENTION TO INDIANA SAVES AND MONEY SMART WEEK. MONTANA STATE UNIVERSITY EXTENSION, BOZEMAN, MT (81-6010045) MONTANA STATE UNIVERSITY EXTENSION WILL PROVIDE AN EDUCATION SERIES ON BASIC MONEY MANAGEMENT, INVESTMENTS, RETIREMENT PLANNING AND ESTATE PLANNING FOR EMPLOYEES OF MSU SATELLITE CAMPUSES AND OTHER WORKING MONTANANS. SESSIONS WILL BE OFFERED IN-PERSON IN BOZEMAN, AND AS LIVE WEBINARS TO RURAL HOST LOCATIONS AND INDIVIDUALS. SESSIONS WILL BE ARCHIVED ONLINE TO ACCOMMODATE VIEWING AT TIMES THAT ARE CONVENIENT FOR PARTICIPANTS UNABLE TO ATTEND THE LIVE WEBINARS. SANTA CLARA COUNTY LIBRARY, LOS GATOS, CA (80-0001382) THE SANTA CLARA COUNTY LIBRARY PROJECT WILL EMPHASIZE STAFF TRAINING ON FINANCIAL TOPICS AND RELATED REFERENCE RESOURCES. THIS TRAINING WILL BE LED BY FACULTY FROM NEARBY HIGHER EDUCATION INSTITUTIONS AND MADE AVAILABLE TO ALL LIBRARIANS WITHIN THE PACIFIC LIBRARY PARTNERSHIP, A CONSORTIUM OF FOUR REGIONAL LIBRARY SYSTEMS. IN ADDITION TO STAFF TRAINING, PATRON WORKSHOPS ON INVESTING LITERACY WILL BE OFFERED AT SANTA CLARA'S SEVEN LIBRARIES. THE PUBLIC WORKSHOPS WILL BE COMPLEMENTED BY A PERSONAL FINANCE PORTAL ADDED TO THE LIBRARY'S WEBSITE, OFFERING RELEVANT MATERIALS IN ENGLISH, SPANISH, MANDARIN AND VIETNAMESE. NATIONAL COUNCIL ON AGING (13-1932384) NEW CHOICES, NEW CHALLENGES: STRENGTHENING CONSUMER EDUCATION ON HOME EQUITY AS A RETIREMENT RESOURCE THE NATIONAL COUNCIL ON AGING AND ITS PARTNERS WILL CREATE, PROMOTE AND MAINTAIN AN ONLINE DECISION TOOL TO HELP OLDER HOMEOWNERS (AGES 55 AND OVER) UNDERSTAND OPTIONS AND RISKS FOR USING HOME EQUITY AS A RETIREMENT RESOURCE. NATIONAL LABOR COLLEGE, SILVER SPRING, MD (52-0895834) INVESTOR EDUCATION FOR WORKING FAMILIES THE NATIONAL LABOR COLLEGE IS PARTNERING WITH UNIONS FROM MULTIPLE INDUSTRY SECTORS, AS WELL AS APPRENTICESHIP PROGRAMS, TO PROVIDE ACCESS TO FACE-TO-FACE AND ONLINE INVESTOR EDUCATION TO UNION MEMBERS AND THEIR FAMILIES. NILES DISTRICT LIBRARY, NILES, MI (77-0597865) NILES DISTRICT LIBRARY WILL OFFER FINANCIAL LITERACY CLASSES BASED ON THE FDIC MONEY SMART CURRICULUM, FINANCIAL FITNESS SUPPORT GROUPS, AND A SERIES OF SHORT-TOPIC PRESENTATIONS FOR PATRONS SEEKING MORE NARROWLY DEFINED ASSISTANCE. THE TARGET AUDIENCE WILL BE LOW-INCOME INDIVIDUALS IN NILES AND SURROUNDING COMMUNITIES. FACULTY FROM NEARBY LAKE MICHIGAN COLLEGE WILL TEACH THE MONEY SMART CLASSES, WHICH WILL HELP PARTICIPANTS MAKE INFORMED FINANCIAL CHOICES, RESOLVE DEBT ISSUES, AND PLAN FOR THE FUTURE. THE FIRST CLASSES WILL BEGIN JUST AS THE VOLUNTEER INCOME TAX (VITA) SEASON IS CONCLUDING. FOR MANY IN THE TARGET AUDIENCE, MONEY RECEIVED FROM TAX RETURNS BRINGS A PERIOD OF FINANCIAL FLEXIBILITY THAT COINCIDES WITH AN IMPORTANT EDUCATIONAL OPPORTUNITY. EACH MONEY SMART SERIES WILL BE FOLLOWED BY FINANCIAL FITNESS SUPPORT GROUPS, CALLED "MONEY TALKS," WHICH WILL MEET REGULARLY AND PROVIDE GUIDANCE AND ENCOURAGEMENT AS PARTICIPANTS STRIVE TO ACHIEVE THEIR FINANCIAL GOALS.
NORTH CAROLINA STATE UNIVERSITY, RALEIGH, NC (56-6000756)A WEB-BASED FRAUD RISK ASSESSMENT TOOL RESEARCHERS AT NC STATE AND GEORGE MASON UNIVERSITY ARE PARTNERING WITH A TECHNOLOGY FIRM TO CREATE A USER-FRIENDLY FRAUD DETECTION TOOL BASED ON COMPARISONS OF FINANCIAL AND NON-FINANCIAL DISCLOSURES IN SEC 10K FILINGS. THE TEAM USED A PREVIOUS FOUNDATION GRANT TO DESIGN AND VALIDATE A PROTOTYPE TOOL. THE SUCCESS OF THAT EFFORT FORMS THE BASIS FOR THE CURRENT PROJECT, WHICH WILL RATIONALIZE THE TOOL AND MAKE IT WIDELY AVAILABLE TO REGULATORS, AUDITORS AND INVESTORS. THE OHIO STATE UNIVERSITY RESEARCH FOUNDATION, COLUMBUS, OH (31-6401599) LEARNING BY DOING: EDUCATING FUTURE INVESTORS THROUGH IDA PROGRAMS RESEARCHERS ARE INVESTIGATING THE EFFECTIVENESS OF BEHAVIORAL FINANCE STRATEGIES IN IMPROVING SAVING AND RETENTION RATES IN INDIVIDUAL DEVELOPMENT ACCOUNT (IDA) PROGRAMS. THE PROJECT IS ALSO EXAMINING THE EXTENT TO WHICH IDA PROGRAM PARTICIPATION INFLUENCES THE USE OF NON-MAINSTREAM FINANCIAL SERVICES (E.G. PAY-DAY LENDING) AND IDENTIFYING IDA BEST PRACTICES. PARTNERS INCLUDE CARNEGIE MELLON UNIVERSITY, ASSETS OHIO (THE FOURTH LARGEST IDA PROGRAM PROVIDER IN THE U.S.), AND THE NEW STRATEGIES FOR STRONGER OUTCOMES INITIATIVE OF THE DEPARTMENT OF HEALTH AND HUMAN SERVICES. OPERATION HOPE, INC., LOS ANGELES, CA (95-4378084) BANKING ON OUR FUTURE, COLLEGE EDITION MOBILE APP OPERATION HOPE IS CREATING ONLINE AND MOBILE APPLICATION TOOLS DESIGNED TO DEVELOP HEALTHY ATTITUDES AND BEHAVIORS ABOUT MONEY AMONG COLLEGE STUDENTS, ESPECIALLY THOSE ATTENDING HISTORICALLY BLACK COLLEGES AND UNIVERSITIES. THE NEW APPLICATIONS WILL ADDRESS PERSONAL FINANCE BASICS, EXAMINE STUDENTS' FINANCIAL PERSONALITIES, AND HELP STUDENTS MAKE INFORMED DECISIONS ABOUT ACQUIRING STUDENT DEBT AND MANAGING IT AFTER GRADUATION. PELHAM PUBLIC LIBRARY, PELHAM, AL (26-4800985) THE UNIVERSITY OF ALABAMA, JEFFERSON STATE COMMUNITY COLLEGE AND THE ALABAMA COOPERATIVE EXTENSION CENTER WILL ASSIST PELHAM PUBLIC LIBRARY IN DELIVERING A FINANCIAL LITERACY INITIATIVE FOR YOUTH, ADULTS, SENIORS AND SPANISH-SPEAKING LIBRARY PATRONS. PEPPERDINE UNIVERSITY SCHOOL OF LAW, MALIBU, CA (95-1644037) THE STRAUS INSTITUTE FOR DISPUTE RESOLUTION AT PEPPERDINE UNIVERSITY LAW SCHOOL IS ONE OF THE WORLD'S LEADING EDUCATIONAL PROGRAMS IN THE FIELD OF DISPUTE RESOLUTION. A NEW INVESTOR ADVOCACY CLINIC WILL COMPLEMENT THE LAW SCHOOL'S EXTENSIVE PROGRAM BY PROVIDING STUDENTS WITH THE OPPORTUNITY TO REPRESENT UNDERSERVED INVESTORS IN THE LOS ANGELES AREA. PIONEER LIBRARY SYSTEM, NORMAN, OK (01-0946757) PIONEER LIBRARY SYSTEM WILL PARTNER WITH THE CONSUMER CREDIT COUNSELING SERVICE OF CENTRAL OKLAHOMA, CITIZEN POTTAWATOMI NATION, CHICKASAW NATION AND EMPLOYERS IN THE HOMETOWNS OF ITS 10 MEMBER LIBRARIES TO OFFER "FISCALLY FIT BOOT CAMPS" TO EMPLOYEES. RICHLAND COUNTY PUBLIC LIBRARY, COLUMBIA, SC (57-6000396) RICHLAND COUNTY PUBLIC LIBRARY WILL COMBINE TRADITIONAL EDUCATIONAL ACTIVITIES (WORKSHOPS, STORY TIMES AND OUTREACH PRESENTATIONS) WITH CREATIVE AND ENGAGING EXPERIENCES FOR FAMILIES. THE LIBRARY WILL PARTNER WITH LUNCH MONEY, A CHILDREN'S BAND THAT "BRINGS INDIE-ROCK TO FAMILY AUDIENCES," TO WRITE A CHILDREN'S SONG ABOUT MONEY, EARNING AND SAVING FOR THE FUTURE, AND TO SCHEDULE PERFORMANCES FOR YOUNG CHILDREN. THE LIBRARY WILL WORK WITH COLUMBIA COLLEGE AND LOCAL SCHOOLS TO ENGAGE TEENS IN CREATING PERFORMANCES AND GAMES THAT TEACH YOUNGER CHILDREN FINANCIAL BASICS. THE LIBRARY'S AFRICAN-AMERICAN HISTORY AND CULTURAL EVENTS COMMITTEE WILL WORK WITH PARTNER ORGANIZATIONS TO SPONSOR AND PROMOTE A SERIES OF FAMILY-FOCUSED FINANCIAL LITERACY EVENTS ON TOPICS RANGING FROM HOME OWNERSHIP AND SAVING FOR COLLEGE TO THE BASICS OF INVESTING. SANTA CRUZ COMMUNITY VENTURES, SANTA CRUZ, CA (77-0247648) SANTA CRUZ COMMUNITY VENTURES WILL COLLABORATE WITH A COALITION OF LOCAL PARTNERS TO EXPAND THE ECONOMIC JUSTICE PROJECT-A SOCIAL SERVICE MODEL INTEGRATING FINANCIAL AND CONSUMER EDUCATION WITH LEGAL AND OTHER SUPPORT SERVICES-TO HELP 2,000 LOW- TO MODERATE-INCOME HISPANIC ADULTS IMPROVE THEIR FINANCIAL AND ECONOMIC PROSPECTS. SEEKONK PUBLIC LIBRARY, SEEKONK, MA (22-2969879) SEEKONK PUBLIC LIBRARY AND ITS PARTNERS WILL ASSIST WOMEN AGES 25 AND OVER AS THEY MASTER FINANCIAL BASICS, CRAFT LONG-TERM FINANCIAL PLANS AND ACQUIRE THE SAVING AND INVESTING SKILLS TO PUT THESE PLANS INTO PRACTICE. INSTRUCTIONAL PROGRAMS WILL BE ORGANIZED AROUND THEMES AND WILL BE SUPPLEMENTED BY A SERIES OF NETWORKING EVENTS TO ADD A SOCIAL DIMENSION TO THE PROGRAM AND ALLOW PARTICIPANTS TO LEARN FROM EACH OTHER. GUEST SPEAKERS WILL ADDRESS FISCAL FITNESS FOR WOMEN. BUSINESS SCHOOL FACULTY FROM JOHNSON & WALES UNIVERSITY AND STAFF FROM MONEY MANAGEMENT INTERNATIONAL (A NONPROFIT CONSUMER CREDIT COUNSELING AGENCY) WILL LEAD THE SEMINARS. SETON HALL UNIVERSITY SCHOOL OF LAW, NEWARK, NJ (22-1500645) THE SETON HALL UNIVERSITY SCHOOL OF LAW WILL OPEN THE FIRST CLINIC TO OFFER LEGAL SERVICES TO UNDERSERVED INVESTORS IN NEW JERSEY. THE NEW CLINIC WILL STRENGTHEN THE LAW SCHOOL'S DYNAMIC ALTERNATIVE DISPUTE RESOLUTION PROGRAM AND ENHANCE THE FREE LEGAL SERVICES ALREADY OFFERED TO RESIDENTS OF THAT STATE. IN ADDITION, SETON HALL WILL REACH OUT TO COMMUNITY ORGANIZATIONS TO CONDUCT STUDENT-LED EDUCATIONAL SESSIONS TO HELP INVESTORS LEARN HOW TO AVOID BECOMING VICTIMS OF FRAUD. STEP UP SAVANNAH, SAVANNAH, GA (30-0526014) STEP UP SAVANNAH WILL BUILD ON A SUCCESSFUL PILOT EFFORT TO INTEGRATE FINANCIAL EDUCATION CLASSES AT EMPLOYER SITES FROM THE HOSPITALITY, HEALTHCARE, WAREHOUSING AND GOVERNMENT SECTORS, AND WILL DESIGN A NEW REFERRAL SYSTEM TO STEER INDIVIDUALS FROM EMPLOYER PROGRAMS TO NEIGHBORHOOD CENTERS FOR WORKING FAMILIES FOR MORE INDIVIDUALIZED ASSISTANCE. SUFFOLK UNIVERSITY LAW SCHOOL, BOSTON, MA (04-2133255) THE SUFFOLK UNIVERSITY LAW SCHOOL WILL EXPAND ITS NATIONALLY RECOGNIZED IN-HOUSE CLINICAL LEGAL EDUCATION PROGRAM TO INCLUDE A NEW INVESTOR ADVOCACY CLINIC. IN ADDITION TO PROVIDING LEGAL HELP TO UNDERSERVED INVESTORS, PARTICIPATING LAW STUDENTS WILL BE REQUIRED TO CONDUCT INVESTOR EDUCATION PROGRAMS AT LOCAL COMMUNITY CENTERS AND LIBRARIES.
UNITED NEGRO COLLEGE FUND (UNCF) SPECIAL PROGRAMS CORPORATION,FAIRFAX, VA (54-1980487)FAT POCKETS WEALTH-BUILDING PROGRAM UNCF SPECIAL PROGRAMS IS UNDERTAKING A KNOWLEDGE, ATTITUDES AND BEHAVIORS STUDY FOR THE PURPOSE OF INFORMING THE DESIGN OF A COMPREHENSIVE FINANCIAL EDUCATION PROGRAM FOR STUDENTS OF HISTORICALLY BLACK COLLEGES AND UNIVERSITIES (HBCUS). MORE THAN TWO DOZEN HBCUS ARE PARTICIPATING. THE EFFORT BEGINS WITH A REVIEW OF EXISTING RESEARCH AND INCLUDES SURVEYS, FOCUS GROUPS AND OTHER MARKET RESEARCH AMONG STUDENTS, FACULTY AND ALUMNI/AE. DELIVERABLES INCLUDE A DETAILED PROGRAMMATIC PLAN FOR MEETING THE FINANCIAL LITERACY NEEDS OF HBCU STUDENTS AGES 18 TO 24. UNITED WAY OF MIAMI DADE CENTER FOR FINANCIAL STABILITY, MIAMI, FL (59-0830840) THE UNITED WAY CENTER FOR FINANCIAL STABILITY WILL REACH OUT TO UNDER-EMPLOYED AND UN-EMPLOYED INDIVIDUALS AND FAMILIES IN MIAMI-DADE COUNTY THROUGH TWO SOUTH FLORIDA WORKFORCE OFFICES, TAX PREPARATION SITES AND LOCAL SCHOOLS. THE PROGRAM WILL PROVIDE CROSS-TRAINING FOR AGENCY VOLUNTEERS AND STAFF TO ENABLE THEM TO PROVIDE BASIC EDUCATION FOR THE FAMILIES THEY SERVE, AND THE ABILITY TO REFER CLIENTS TO THE CENTER FOR MORE COMPREHENSIVE COUNSELING AND COACHING. UNITED WAY FOR SOUTHEASTERN MICHIGAN, DETROIT, MI (20-3099071) THE UNITED WAY FOR SOUTHEASTERN MICHIGAN WILL COLLABORATE WITH THE DETROIT LOCAL INITIATIVES SUPPORT CORPORATION TO SUPPORT A NETWORK OF FINANCIAL COACHES WORKING IN LOW-INCOME COMMUNITIES IN AND AROUND DETROIT TO ASSIST INDIVIDUAL FAMILIES WITH UNDERSTANDING AND OVERCOMING THE BARRIERS TO BUILDING WEALTH. UNITED WAY OF ACADIANA, LAFAYETTE, LA (72-0513639) AS PART OF A COMMUNITYWIDE "EARN IT! KEEP IT! SAVE IT!" PROJECT, UNITED WAY OF ACADIANA WILL PARTNER WITH 26 MEMBERS OF THE ACADIANA ASSET-BUILDING COALITION TO PROVIDE WORKSHOPS USING THE FDIC MONEY SMART CURRICULUM TO HELP LOCAL INDIVIDUALS AND FAMILIES DEVELOP THE SKILLS THEY NEED TO BECOME FINANCIALLY SECURE. TO UNIFY THE COMMUNITY'S EFFORTS, UNITED WAY WILL CARRY OUT A SOCIAL MARKETING CAMPAIGN THAT USES TRADITIONAL PRINT MARKETING AS WELL AS RADIO PSAS AND SOCIAL MEDIA. UNITED WAY OF CENTRAL OHIO, COLUMBUS, OH (31-4393712) THE UNITED WAY OF CENTRAL OHIO WILL INCORPORATE THE DELIVERY OF TIMELY, RELEVANT AND ENGAGING FINANCIAL EDUCATION FOR LOW- TO MODERATE-INCOME FAMILIES THROUGH THE EXISTING CASE MANAGEMENT ACTIVITIES OF STABLE FAMILIES, A LOCAL PROGRAM OF THE SIEMER INSTITUTE FOR FAMILY STABILITY. STABLE FAMILIES IS A MULTI-STATE EFFORT TO PROVIDE FAMILIES WITH SCHOOL-AGED CHILDREN AT RISK OF LOSING THEIR HOUSING WITH CASE MANAGEMENT SERVICES THAT ENSURE THAT CHILDREN IN THESE HOUSEHOLDS REMAIN STABLE IN SCHOOL. UNITED WAY OF CHITTENDEN COUNTY, SOUTH BURLINGTON, VT (03-0217229) THE UNITED WAY OF CHITTENDEN COUNTY WILL LEAD A COALITION OF COMMUNITY PARTNERS IN DEVELOPING AND TESTING TWO ON-SITE WORKPLACE-BASED FINANCIAL AND INVESTOR EDUCATION PROGRAMS AT 18 SITES. THIS PROJECT BUILDS ON AN EXISTING RELATIONSHIP WITH EMPLOYERS THROUGH THE WORKING BRIDGES PROJECT, WHICH DEVELOPS AND PILOTS INNOVATIVE STRATEGIES TO IMPROVE THE RETENTION, PROMOTION AND FINANCIAL STABILITY OF THEIR EMPLOYEES. UNITED WAY OF FAIRFIELD COUNTY, LANCASTER, OH (31-0644804) UNITED WAY OF FAIRFIELD COUNTY WILL PROVIDE PERSONAL FINANCIAL EDUCATION FOR HIGH SCHOOL SENIORS IN TWO FAIRFIELD COUNTY ALTERNATIVE SCHOOLS AND FOR YOUNG ADULTS PARTICIPATING IN PROGRAMS AT THE EASTLAND-FAIRFIELD CAREER CENTER. THE PROJECT WILL SERVE LOW- TO MODERATE-INCOME YOUNG ADULTS WHO ARE ON TRACK TO ATTEND TECHNICAL SCHOOLS OR ENTER THE WORKFORCE FOLLOWING GRADUATION, AS WELL AS ADULT BASIC EDUCATION, GED AND ESOL STUDENTS. UNITED WAY OF GREATER CHATTANOOGA, CHATTANOOGA, TN (62-0565962) THE UNITED WAY OF GREATER CHATTANOOGA WILL PROVIDE FINANCIAL EDUCATION TRAINING FOR THE STAFF AND LEADERSHIP OF CHURCHES, NON-PROFIT AGENCIES AND COMMUNITY PARTNERS THAT PROVIDE FINANCIAL ASSISTANCE TO LOW AND MODERATE INCOME INDIVIDUALS AND FAMILIES, PROVIDE TRAINERS FOR "LUNCH AND LEARN" SESSIONS SPONSORED BY LOCAL NON-PROFIT AGENCIES AND THEIR CLIENTS, PROVIDE ONE-ON-ONE DEBT REDUCTION COUNSELING AND FINANCIAL COACHING FOR CLIENTS REFERRED BY PARTNER NON-PROFITS WHO HAVE RECEIVED TRAINING, AND UNDERTAKE MARKETING EFFORTS TO REACH OUTLYING RURAL COUNTIES AS WELL AS TARGETED URBAN NEIGHBORHOODS. UNITED WAY OF GREATER CINCINNATI, CINCINNATI, OH (31-0537502) THE UNITED WAY OF GREATER CINCINNATI WILL WORK WITHIN EXISTING PARTNERSHIPS AND SYSTEMS TO PROVIDE WORKPLACE FINANCIAL EDUCATION TRAINING FOR FRONT-LINE SERVICE PROVIDERS FROM LOCAL NON-PROFIT ORGANIZATIONS THAT PROVIDE EMPLOYMENT, HOUSING, FINANCIAL EDUCATION, WORKFORCE TRAINING, CHILD CARE AND EMERGENCY SERVICES. THEY WILL ALSO PARTNER WITH LIFESPAN CREDIT COUNSELING AND THE UNIVERSITY OF CINCINNATI'S ECONOMICS CENTER TO INCREASE THE CAPACITY OF LOCAL HUMAN SERVICES STAFF TO PROVIDE FINANCIAL EDUCATION SERVICES TO THEIR CLIENTS. UNITED WAY OF GREATER KANSAS CITY, KANSAS CITY, MO (44-0545812) THE UNITED WAY OF GREATER KANSAS CITY WILL COLLABORATE WITH FIVE SERVICE PROVIDERS TO DEVELOP A MODEL FOR INTEGRATING FINANCIAL EDUCATION INTO SERVICES FOR HOMELESS OR NEAR-HOMELESS YOUNG ADULTS, 16-24 YEARS OF AGE, WHO ARE EITHER EMPLOYED OR HAVE A STABLE SOURCE OF INCOME. ONE OUTCOME OF THE PROJECT WILL BE A REPORT ON LESSONS-LEARNED AND BEST PRACTICES THAT WILL BE SHARED WITH OTHER ORGANIZATIONS THAT SERVE AT-RISK YOUNG PEOPLE. UNITED WAY OF THE INLAND VALLEYS, RIVERSIDE, CA (95-1742174) AS A COMPONENT OF A COMMUNITYWIDE FOSTER YOUTH INITIATIVE, THE UNITED WAY OF THE INLAND VALLEYS WILL PROVIDE FINANCIAL EDUCATION AND BUDGETING SKILLS FOR FOSTER YOUTH, 16 TO 18 YEARS OF AGE, TO HELP THEM PREPARE FOR INDEPENDENT LIVING AND BECOME ECONOMICALLY SELF-SUFFICIENT ADULTS. UNITED WAY OF KING COUNTY, SEATTLE, WA (91-0565555) UNITED WAY OF KING COUNTY WILL INCREASE THE ECONOMIC STABILITY OF IMMIGRANTS AND REFUGEES BY INTEGRATING FINANCIAL EDUCATION AND COACHING INTO THE WORK OF SIX AGENCIES THAT PROVIDE ASSISTANCE TO SPECIFIC IMMIGRANT AND REFUGEE POPULATIONS. IN ADDITION, AGENCY STAFF MEMBERS WILL RECEIVE FINANCIAL EMPOWERMENT TRAINING AND CERTIFICATION IN ORDER TO BETTER INTEGRATE FINANCIAL EDUCATION INTO THEIR PROGRAM OFFERINGS. UNITED WAY OF LARIMER COUNTY, FT. COLLINS, CO (84-6031503) SPEARHEADED BY THE UNITED WAY OF LARIMER COUNTY AND THE COLORADO STATE UNIVERSITY-LARIMER COUNTY EXTENSION, THE LARIMER COUNTY FINANCIAL LITERACY INITIATIVE WILL CONDUCT A FINANCIAL EDUCATION CAPACITY-BUILDING PROGRAM FOR SOCIAL SERVICE AND TEACHING PROFESSIONALS. THIS COALITION OF COMMUNITY PARTNERS WILL ALSO CREATE A COMMUNITY-WIDE SOCIAL MARKETING CAMPAIGN WITH A COMPANION RESOURCE WEBSITE. UNITED WAY OF MARION COUNTY, OCALA, FL (59-0946642) THE UNITED WAY OF MARION COUNTY WILL CONDUCT A TWO-YEAR CAMPAIGN TO BREAK DOWN THE BARRIERS TO PARTICIPATION IN THE MARION COUNTY PROSPERITY CAMPAIGN BY SPANISH-SPEAKING RESIDENTS IN RURAL AREAS OF THE COUNTY. THE PROJECT WILL EMPHASIZE FREE TAX ASSISTANCE FOR LOW-INCOME SPANISH-SPEAKING CLIENTS AND WILL PROVIDE SPANISH-LANGUAGE MONEY SMART WORKSHOPS. THE PROJECT WILL BE SUPPORTED BY A COMPREHENSIVE SOCIAL MARKETING CAMPAIGN.
UNITED WAY OF THE RIVER CITIES, HUNTINGTON, WV (55-0384704)UNITED WAY OF THE RIVER CITIES WILL PARTNER WITH LOCAL EMPLOYERS TO LAUNCH A WORKPLACE FINANCIAL EDUCATION PROGRAM TO PROVIDE FINANCIAL EDUCATION TRAINING FOR LOW- TO MIDDLE-INCOME EMPLOYEES AND TO EXPAND THE CAPACITY OF EMPLOYERS TO MAKE REFERRALS TO COMMUNITY-BASED NONPROFIT FINANCIAL AND SOCIAL SERVICES. UNITED WAY SILICON VALLEY, SAN JOSE, CA (94-1450153) UNITED WAY OF SILICON VALLEY WILL DEVELOP COMMUNITY PARTNERSHIP TO EXPAND THE NUMBER OF SUSTAINABLE, VOLUNTEER-DRIVEN CREDIT COACHING PROGRAMS THROUGHOUT SANTA CLARA COUNTY. DURING THE GRANT TERM, SEVEN TO 10 COMMUNITY ORGANIZATIONS THAT SERVE LOW- TO MODERATE-INCOME FAMILIES WILL INTEGRATE CREDIT COACHING INTO THEIR CORE SERVICES, AND MORE THAN 200 FAMILIES WILL RECEIVE COACHING ASSISTANCE. SIXTY COMMUNITY MEMBERS WILL BE TRAINED AS VOLUNTEER COACHES AND WILL BE MATCHED WITH CLIENTS. UNITED WAY OF TAMPA BAY, TAMPA, FL (59-3725701) THE UNITED WAY OF TAMPA BAY WILL ADDRESS THE PERVASIVE USE OF TAX REFUND ANTICIPATION LOANS IN TWO LOW-INCOME NEIGHBORHOODS IN THE TAMPA BAY AREA THROUGH A COMBINATION OF NEIGHBOR-TO-NEIGHBOR OUTREACH, CLASSROOM EDUCATION, INDIVIDUALIZED FINANCIAL COACHING AND A SOCIAL MARKETING CAMPAIGN. UNITED WAY OF WEST CENTRAL MISSISSIPPI; VICKSBURG, MS (64-0330259) UNITED WAY OF WEST CENTRAL MISSISSIPPI WILL PARTNER WITH LOCAL COMMUNITY GROUPS IN THE LOWER DELTA REGION TO DESIGN AND PROVIDE A SUSTAINABLE BASIC MONEY MANAGEMENT EDUCATION PROGRAM FOR LOW-INCOME CITIZENS. UNIVERSITY OF MIAMI SCHOOL OF LAW, CORAL GABLES, FL (59-0624458) THE UNIVERSITY OF MIAMI SCHOOL OF LAW WILL ADD AN INVESTOR ADVOCACY CLINIC TO ITS CLINICAL PROGRAM EXPANDING THE OPPORTUNITIES FOR STUDENTS TO SERVE INVESTORS RESIDING IN SOUTH FLORIDA. THE SCHOOL WILL ALSO BUILD ON ITS OUTSTANDING COMMUNITY OUTREACH PROGRAMS TO OFFER PUBLIC SEMINARS ON INVESTING AND RELATED ISSUES, INCLUDING DETECTING ABUSES AND POTENTIAL FRAUDULENT INVESTMENTS. UNIVERSITY OF TENNESSEE, KNOXVILLE, TN (62-6001636) LOVE YOUR MONEY THE UNIVERSITY OF TENNESSEE AND ITS PARTNERS ARE ENHANCING THE LOVE YOUR MONEY FINANCIAL EDUCATION PROGRAM FOR COLLEGE STUDENTS (WWW.LOVEYOURMONEY.ORG) TO ALLOW INSTRUCTORS TO MONITOR AND ASSESS INDIVIDUAL STUDENT PROGRESS, THUS MAKING THE TOOL MORE SUITABLE AS A COURSE ASSIGNMENT. THE PROJECT TEAM IS ALSO UNDERTAKING MARKETING ACTIVITIES THAT ENGAGE FACULTY MEMBERS AND OTHERS RESPONSIBLE FOR SHAPING STUDENT LEARNING AND COLLEGE LIFE EXPERIENCES, EXPANDING THE NUMBER OF CAMPUSES USING LOVE YOUR MONEY, AND CONTINUING TO EVALUATE THE PROGRAM TO DETERMINE ITS LONGER-TERM EFFECTIVENESS IN PROMOTING POSITIVE FINANCIAL BEHAVIOR AS UNDERCLASSMEN PROGRESS THROUGH SUBSEQUENT COLLEGE YEARS. WOMEN'S INSTITUTE FOR A SECURE RETIREMENT, WASHINGTON, DC (52-1997317) IN PARTNERSHIP WITH THE AMERICAN NURSES ASSOCIATION (ANA), WISER IS CREATING AN INVESTOR EDUCATION PROGRAM FOR NURSES. THE PROJECT BEGAN WITH A SURVEY OF NURSES TO IDENTIFY IMPORTANT ISSUES, AND INCLUDES A NURSE INVESTOR EDUCATION REPORT WITH BENCHMARKING TO THE NATIONAL NURSE WORKFORCE. WISER AND ANA ARE TAILORING EXISTING INVESTOR EDUCATION MATERIALS AND CONDUCTING FINANCIAL EDUCATION SEMINARS FOR THE TARGET AUDIENCE. YORK COUNTY LIBRARY SYSTEM, YORK, PA (23-7394108) YORK COUNTY LIBRARY SYSTEM WILL PARTNER WITH 17 HIGH SCHOOLS AND SEVEN URBAN ELEMENTARY SCHOOLS TO IMPROVE THE FINANCIAL LITERACY AND CAPABILITY OF STUDENTS AND PARENTS BY CONNECTING THEM WITH THE PERSONAL FINANCE RESOURCES AVAILABLE THROUGH COUNTY LIBRARIES. THE PROJECT WILL SEEK TO TEACH YORK COUNTY HIGH SCHOOL JUNIORS AND SENIORS HOW TO BUILD A FINANCIAL PLAN FOR POST-HIGH SCHOOL SUCCESS, AND WILL EQUIP PARENTS OF HIGH SCHOOL JUNIORS AND SENIORS WITH FINANCIAL LITERACY TOOLS TO GUIDE THEIR TEENAGERS' FINANCIAL PLANNING. YOUNGER CHILDREN WILL LEARN ABOUT SPENDING, SAVING AND BORROWING, AND THEIR PARENTS WILL LEARN FINANCIAL LITERACY TOOLS TO REINFORCE THEIR OWN FINANCIAL KNOWLEDGE AND HELP THEM POSITIVELY INFLUENCE THEIR CHILDREN'S FUTURE MONEY MANAGEMENT SKILLS.
OTHER CHANGES IN NET ASSETS OR FUND BALANCESFORM 990, SCHEDULE XI, LINE 9OTHER CHANGES IN NET ASSETS OR FUND BALANCES PRIMARILY RELATE TO CONTRIBUTED SERVICES, INVESTMENT EXPENSES AND THE REVERSAL OF GRANT EXPENSES RELATING TO PRIOR PERIODS.
ESTIMATED AVERAGE HOURS PER WEEKFORM 990, PART VII, COLUMN B - ESTIMATED AVERAGE PER WEEKTHE OFFICERS / KEY EMPLOYEES LISTED IN FORM 990, PART VII, DEVOTE AN AVERAGE TOTAL OF 60 HOURS PER WEEK TO THE FILING ORGANIZATION AND ANY OR ALL OF THE FOLLOWING RELATED ORGANIZATIONS: FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC., FINRA REGULATION, INC. AND FINRA DISPUTE RESOLUTION, INC.
GOVERNING BODY AND MANAGEMENTFORM 990, PART VI, LINE 1APURSUANT 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.
COMPENSATION OF THE FIVE HIGHEST PAID INDEPENDENT CONTRACTORSFORM 990, PART VIIGMMB, INC. - PROVIDES PUBLIC RELATIONS AND EARNED MEDIA ASSISTANCE FOR PROJECT OUTREACH. 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. BBB INSTITUTE FOR MARKETPLACE TRUST - PROVIDES NATIONAL AND COMMUNITY-LEVEL OUTREACH SUPPORT FOR THE INVESTOR PROTECTION CAMPAIGN AND MILITARY FINANCIAL READINESS PROJECT. APPLIED RESEARCH AND CONSULTING - PROVIDES RESEARCH SERVICES FOR THE NATIONAL CAPABILITY STUDY AND OTHER TARGETED PROJECTS.

Schedule R IRS990ScheduleR

Form990 Schedule R Part II Form990ScheduleRPartII (3 entries)

Address Line1AddressUS/AddressLine1CityAddressUS/CityStateAddressUS/StateZIP CodeAddressUS/ZIPCodeEINEINPrimary ActivitiesPrimaryActivitiesLegal Domicile StateLegalDomicileStateExempt Code SectionExemptCodeSectionPublic Charity StatusPublicCharityStatusBusiness Name Line1DirectControllingEntityName/BusinessNameLine1Controlled OrgControlledOrg
FINANCIAL IND REGULATORY AUTHORITY INC
1735 K STREET NWWASHINGTONDC20006530088710REGULATORYDE501(C)(6)N/ANAfalse
FINRA REGULATION INC
1735 K STREET NWWASHINGTONDC20006521959501REGULATORYDE501(C)(6)N/AFINRAtrue
FINRA DISPUTE RESOLUTION INC
1735 K STREET NWWASHINGTONDC20006522187577ARBITRATIONDE501(C)(6)N/AFINRAtrue

Form990 Schedule R Part IV Form990ScheduleRPartIV

Name Of Related Org NameOfRelatedOrg

FieldValueIRS element (for citing)
Business Name Line1NEW NASD HOLDING INCBusinessNameLine1

Address US AddressUS

FieldValueIRS element (for citing)
Address Line11735 K STREET NWAddressLine1
CityWASHINGTONCity
StateDCState
ZIP Code200061506ZIPCode
FieldValueIRS element (for citing)
EIN522307595EIN
Primary ActivityHOLDING COPrimaryActivity
Legal Domicile StateDELegalDomicileState

Direct Controlling Entity Name DirectControllingEntityName

FieldValueIRS element (for citing)
Business Name Line1FINRABusinessNameLine1
FieldValueIRS element (for citing)
Type Of EntityC-CORPTypeOfEntity
Controlled OrgtrueControlledOrg
FieldValueIRS element (for citing)
Receipt Of Int Ann Rents RoyaltiesfalseReceiptOfIntAnnRentsRoyalties
Gift Grant Or Cap Contr To Other OrgfalseGiftGrantOrCapContrToOtherOrg
Gift Grant Or Cap Contr Fr Other OrgtrueGiftGrantOrCapContrFrOtherOrg
Loans Or Guarantees To Other OrgfalseLoansOrGuaranteesToOtherOrg
Loans Or Guarantees From Other OrgfalseLoansOrGuaranteesFromOtherOrg
Sale Of Assets To Other OrgfalseSaleOfAssetsToOtherOrg
Purchase Of Assets From Other OrgfalsePurchaseOfAssetsFromOtherOrg
Exchange Of AssetsfalseExchangeOfAssets
Rental Of Facilities To Other OrgsfalseRentalOfFacilitiesToOtherOrgs
Rental Of Facilities Fr Other OrgsfalseRentalOfFacilitiesFrOtherOrgs
Perform Of Services For Other OrgsfalsePerformOfServicesForOtherOrgs
Perform Of Services By Other OrgsfalsePerformOfServicesByOtherOrgs
Sharing Of FacilitiestrueSharingOfFacilities
Sharing Of Paid EmployeestrueSharingOfPaidEmployees
Reimbursement Paid To Other OrgtrueReimbursementPaidToOtherOrg
Reimbursement Paid By Other OrgfalseReimbursementPaidByOtherOrg
Other Transfer To Other OrgfalseOtherTransferToOtherOrg
Other Transfer From Other OrgfalseOtherTransferFromOtherOrg

Comments

Anonymous: no account or email. Up to 2,000 characters, at most one link. Comments are checked automatically; some wait for review.