FINRA INVESTOR EDUCATION FOUNDATION: Form 990, tax year 2010

View the entire original 990 at ProPublica ↗

Organization: FINRA INVESTOR EDUCATION FOUNDATION (EIN 20-0863779)
Tax period: 2010-01-01 to 2010-12-31
Filed: 2011-11-11
IRS object ID: 201113159349302886
Schema version: 2010v3.4
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
Form 990
Schedule D
Schedule I
Schedule J
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2011-11-11T13:44:15-06:00	Timestamp
Tax Period End Date	2010-12-31	TaxPeriodEndDate

Preparer Firm PreparerFirm

Preparer Firm Business Name PreparerFirmBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	ERNST & YOUNG US LLP	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	TWO NORTH CENTRAL AVENUE STE 2300	AddressLine1
City	PHOENIX	City
State	AZ	State
ZIP Code	85004	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnType
Tax Period Begin Date	2010-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	200863779	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	FINRA INVESTOR EDUCATION FOUNDATION	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	FINR	NameControl
Phone	2027288949	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1735 K STREET NW	AddressLine1
City	WASHINGTON	City
State	DC	State
ZIP Code	200061506	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	ROBERT A RENNER	Name
Title	V.P. & ASS'T CONTROLLER	Title
Date Signed	2011-11-11	DateSigned

Preparer Preparer

Field	Value	IRS element (for citing)
Phone	6023223000	Phone

Field	Value	IRS element (for citing)
Tax Year	2010	TaxYear
Build TS	2016-03-07 17:11:31Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Name Of Principal Officer Person	GERALDINE M WALSH	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	1735 K STREET NW	AddressLine1
City	WASHINGTON	City
State	DC	State
ZIP Code	200061506	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	8117997	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
Organization501c	X	Organization501c
Web Site	WWW.FINRAFOUNDATION.ORG	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	2004	YearFormation
State Legal Domicile	DE	StateLegalDomicile
Activity Or Mission Description	THE MISSION OF THE FINRA INVESTOR EDUCATION FOUNDATION IS TO PROVIDE UNDERSERVED AMERICANS WITH THE KNOWLEDGE, SKILLS AND TOOLS NECESSARY FOR FINANCIAL SUCCESS THROUGHOUT LIFE.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	6	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	5	NbrIndependentVotingMembers
Total Nbr Employees	0	TotalNbrEmployees
Total Nbr Volunteers	5	TotalNbrVolunteers
Total Gross UBI	0	TotalGrossUBI
Net Unrelated Business Txbl Income	0	NetUnrelatedBusinessTxblIncome
Contributions Grants Prior Year	5000000	ContributionsGrantsPriorYear
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	0	ProgramServiceRevenuePriorYear
Program Service Revenue CY	0	ProgramServiceRevenueCY
Investment Income Prior Year	1274751	InvestmentIncomePriorYear
Investment Income Current Year	1603571	InvestmentIncomeCurrentYear
Other Revenue Prior Year	0	OtherRevenuePriorYear
Other Revenue Current Year	0	OtherRevenueCurrentYear
Total Revenue Prior Year	6274751	TotalRevenuePriorYear
Total Revenue Current Year	1603571	TotalRevenueCurrentYear
Grants And Similar Amnts Prior Year	3841529	GrantsAndSimilarAmntsPriorYear
Grants And Similar Amnts CY	5565278	GrantsAndSimilarAmntsCY
Benefits Paid To Members Prior Year	0	BenefitsPaidToMembersPriorYear
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	0	SalariesEtcPriorYear
Salaries Etc Current Year	0	SalariesEtcCurrentYear
Total Prof Fundrsng Exp Prior Year	0	TotalProfFundrsngExpPriorYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	7340946	OtherExpensePriorYear
Other Expenses Current Year	8079730	OtherExpensesCurrentYear
Total Expenses Prior Year	11182475	TotalExpensesPriorYear
Total Expenses Current Year	13645008	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	-4907724	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	-12041437	RevenuesLessExpensesCY
Total Assets BOY	73943044	TotalAssetsBOY
Total Assets EOY	64529713	TotalAssetsEOY
Total Liabilities BOY	1177437	TotalLiabilitiesBOY
Total Liabilities EOY	3593807	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	72765607	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	60935906	NetAssetsOrFundBalancesEOY
Info In Schedule O Part III	X	InfoInScheduleOPartIII
Mission Description	THE MISSION OF THE FINRA INVESTOR EDUCATION FOUNDATION IS TO PROVIDE UNDERSERVED AMERICANS WITH THE KNOWLEDGE, SKILLS AND TOOLS NECESSARY FOR FINANCIAL SUCCESS THROUGHOUT LIFE.	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Expense	5565278	Expense
Grants	5565278	Grants
Description	GRANT PROGRAM - SEE SCHEDULE O	Description

Activity2 Activity2

Field	Value	IRS element (for citing)
Expense	3338098	Expense
Description	INVESTOR PROTECTION CAMPAIGN - SEE SCHEDULE O	Description

Activity3 Activity3

Field	Value	IRS element (for citing)
Expense	2870601	Expense
Description	MILITARY FINANCIAL EDUCATION PROJECT - SEE SCHEDULE O	Description

Field	Value	IRS element (for citing)
Total Of Other Program Service Exp	932722	TotalOfOtherProgramServiceExp
Total Program Service Expense	12706699	TotalProgramServiceExpense
Described In501 C3	false	DescribedIn501C3
Schedule B Required	false	ScheduleBRequired
Political Activities	false	PoliticalActivities
Subject To Proxy Tax	false	SubjectToProxyTax
Donor Advised Funds	false	DonorAdvisedFunds
Conservation Easements	false	ConservationEasements
Collections Of Art	false	CollectionsOfArt
Credit Counseling	false	CreditCounseling
Term Or Permanent Endowments	false	TermOrPermanentEndowments
Report Land Bldg Equip	false	ReportLandBldgEquip
Report Invest Oth Securities	false	ReportInvestOthSecurities
Report Prog Rel Invest	false	ReportProgRelInvest
Report Other Assets	false	ReportOtherAssets
Report Other Liabilities	true	ReportOtherLiabilities
Report Fin48 Footnote	false	ReportFin48Footnote
Independent Audit Financial Stmt	true	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	true	ConsolidatedAuditFinancialStmt
School	false	School
Foreign Office	false	ForeignOffice
Foreign Activities	false	ForeignActivities
More Than5000 K To Organizations	false	MoreThan5000KToOrganizations
More Than5000 K To Individuals	false	MoreThan5000KToIndividuals
Professional Fundraising	false	ProfessionalFundraising
Fundraising Activities	false	FundraisingActivities
Gaming	false	Gaming
Hospital	false	Hospital
Grants To Organizations	true	GrantsToOrganizations
Grants To Individuals	false	GrantsToIndividuals
Schedule J Required	true	ScheduleJRequired
Tax Exempt Bonds	false	TaxExemptBonds
Excess Benefit Transaction	false	ExcessBenefitTransaction
Prior Excess Benefit Transaction	false	PriorExcessBenefitTransaction
Loan To Officer Or DQP	false	LoanToOfficerOrDQP
Grant To Related Person	false	GrantToRelatedPerson
Bsnss Rltnshp With Organization	false	BsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family Member	false	BsnssRltnshpThruFamilyMember
Officer Entity With Bsnss Rltnshp	false	OfficerEntityWithBsnssRltnshp
Deductible Non Cash Contributions	false	DeductibleNonCashContributions
Deductible Contributions Of Art	false	DeductibleContributionsOfArt
Terminated	false	Terminated
Partial Liquidation	false	PartialLiquidation
Disregarded Entity	false	DisregardedEntity
Related Entity	true	RelatedEntity
Related Org Controlled Entity	true	RelatedOrgControlledEntity
Transaction Related Entity	false	TransactionRelatedEntity
Activities Conducted Partnership	false	ActivitiesConductedPartnership
Schedule O Required	true	ScheduleORequired
Number Forms Transmitted With1096	17	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	true	ComplianceWithBackupWitholding
Number Of Employees	0	NumberOfEmployees
Unrelated Business Income	false	UnrelatedBusinessIncome
Foreign Financial Account	false	ForeignFinancialAccount
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTrans
Taxable Party Notification	false	TaxablePartyNotification
Non Deductible Contributions	false	NonDeductibleContributions
Quid Pro Quo Contributions	false	QuidProQuoContributions
Form8282 Property Disposed Of	false	Form8282PropertyDisposedOf
Funds To Pay Premiums	false	FundsToPayPremiums
Premiums Paid	false	PremiumsPaid
Indoor Tanning Services	false	IndoorTanningServices
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	6	NbrVotingGoverningBodyMembers
Number Independent Voting Members	5	NumberIndependentVotingMembers
Family Or Business Relationship	false	FamilyOrBusinessRelationship
Delegation Of Management Duties	false	DelegationOfManagementDuties
Changes To Organizing Docs	false	ChangesToOrganizingDocs
Material Diversion Or Misuse	false	MaterialDiversionOrMisuse
Members Or Stockholders	true	MembersOrStockholders
Election Of Board Members	true	ElectionOfBoardMembers
Decisions Subject To Approval	true	DecisionsSubjectToApproval
Minutes Of Governing Body	true	MinutesOfGoverningBody
Minutes Of Committees	true	MinutesOfCommittees
Officer Mailing Address	false	OfficerMailingAddress
Local Chapters	false	LocalChapters
Form990 Provided To Governing Body	true	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	true	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	true	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	true	RegularMonitoringEnforcement
Whistleblower Policy	true	WhistleblowerPolicy
Document Retention Policy	true	DocumentRetentionPolicy
Compensation Process CEO	true	CompensationProcessCEO
Compensation Process Other	true	CompensationProcessOther
Investment In Joint Venture	false	InvestmentInJointVenture
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	MARCIA E ASQUITH	NamePerson
Telephone Number	2027288949	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	1735 K STREET NW	AddressLine1
City	WASHINGTON	City
State	DC	State
ZIP Code	200061506	ZIPCode

Field	Value	IRS element (for citing)
Info In Schedule O Part VII	X	InfoInScheduleOPartVII

Form990 Part VII Section A Form990PartVIISectionA (9 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer
RICHARD G KETCHUM
CHAIRMAN	1.0	X	0	2260346	349008
IDALIA P FERNANDEZ
BOARD MEMBER	1.0	X	0	0	0
BONNIE G HILL
BOARD MEMBER	1.0	X	0	0	0
DAVID W HUNTER
BOARD MEMBER	1.0	X	0	0	0
DALLAS L SALISBURY
BOARD MEMBER	1.0	X	0	0	0
SHARON P SMITH
BOARD MEMBER	1.0	X	0	0	0
JOHN M GANNON
PRESIDENT	32.0		0	432423	79842	X
EILEEN M FAMIGLIETTI
TREASURER	5.0		0	371736	89600	X
MARCIA E ASQUITH
SECRETARY	2.0		0	588243	51325	X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	0	TotalReportableCompFromOrg
Total Reportable Comp Frm Rltd Orgs	3652748	TotalReportableCompFrmRltdOrgs
Total Other Compensation	569775	TotalOtherCompensation
Number Individuals GT100 K	0	NumberIndividualsGT100K
Formers Listed	false	FormersListed
Total Comp GT150 K	true	TotalCompGT150K
Compensation From Other Sources	false	CompensationFromOtherSources

Contractor Compensation ContractorCompensation (5 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1	CityAddressOfContractor/AddressUS/City	StateAddressOfContractor/AddressUS/State	ZIP CodeAddressOfContractor/AddressUS/ZIPCode	Description Of ServicesDescriptionOfServices	CompensationCompensation
GMMB INC
PO BOX 415312	BOSTON	MA	02241	SEE SCHEDULE O	3594475
CHANNEL ONE LLC
151 W 26TH STREET	NEW YORK	NY	10001	SEE SCHEDULE O	640042
US EXPRESS FREIGHT SYSTEMS
9301 PEPPERCORN PLACE	LARGO	MD	20774	SEE SCHEDULE O	270531
PHOENIX LIGHOGRAPHING
11631 CAROLINE ROAD	PHILADELPHIA	PA	19154	SEE SCHEDULE O	268996
APPLIED RESEARCH CONSULTING LLC
320 WEST 13TH STREET	NEW YORK	NY	10014	SEE SCHEDULE O	193613

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	11	NumberOfContractorsGT100K
Total Contributions	0	TotalContributions
Total Program Service Revenue	0	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	697997	TotalRevenueColumn
Exclusion	$697,997	ExclusionAmount

Income From Invest Bond Proceeds IncomeFromInvestBondProceeds

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Royalties Revenue RoyaltiesRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Securities	7420000	Securities

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Securities	6514426	Securities

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Securities	905574	Securities

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	905574	TotalRevenueColumn
Exclusion	$905,574	ExclusionAmount

Net Income From Fundraising Events NetIncomeFromFundraisingEvents

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Income From Gaming NetIncomeFromGaming

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Income Or Loss NetIncomeOrLoss

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Field	Value	IRS element (for citing)
Total Other Revenue	0	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	1603571	TotalRevenueColumn
Exclusion	$1,603,571	ExclusionAmount

Grants To Domestic Orgs GrantsToDomesticOrgs

Field	Value	IRS element (for citing)
Total	5565278	Total
Program Services	5565278	ProgramServices

Grants To Domestic Individuals GrantsToDomesticIndividuals

Field	Value	IRS element (for citing)
Total	0	Total

Foreign Grants ForeignGrants

Field	Value	IRS element (for citing)
Total	0	Total

Benefits To Members BenefitsToMembers

Field	Value	IRS element (for citing)
Total	0	Total

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	0	Total

Comp Disqual Persons CompDisqualPersons

Field	Value	IRS element (for citing)
Total	0	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	0	Total

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	0	Total

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	0	Total

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Management FeesForServicesManagement

Field	Value	IRS element (for citing)
Total	3631090	Total
Program Services	3144315	ProgramServices
Management And General	486775	ManagementAndGeneral

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	6056	Total
Program Services	0	ProgramServices
Management And General	6056	ManagementAndGeneral

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	41750	Total
Program Services	0	ProgramServices
Management And General	41750	ManagementAndGeneral

Fees For Services Lobbying FeesForServicesLobbying

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Prof Fundraising FeesForServicesProfFundraising

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees

Field	Value	IRS element (for citing)
Total	3900	Total
Program Services	0	ProgramServices
Management And General	3900	ManagementAndGeneral

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	0	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	3307656	Total
Program Services	3255361	ProgramServices
Management And General	52295	ManagementAndGeneral

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	260022	Total
Program Services	221778	ProgramServices
Management And General	38244	ManagementAndGeneral

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	4762	Total
Program Services	0	ProgramServices
Management And General	4762	ManagementAndGeneral

Royalties Royalties

Field	Value	IRS element (for citing)
Total	136690	Total
Program Services	136690	ProgramServices
Management And General	0	ManagementAndGeneral

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	206980	Total
Program Services	153964	ProgramServices
Management And General	53016	ManagementAndGeneral

Travel Travel

Field	Value	IRS element (for citing)
Total	147068	Total
Program Services	129500	ProgramServices
Management And General	17568	ManagementAndGeneral

Travel Entrtnmnt Public Officials TravelEntrtnmntPublicOfficials

Field	Value	IRS element (for citing)
Total	0	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	329302	Total
Program Services	96752	ProgramServices
Management And General	232550	ManagementAndGeneral

Interest Interest

Field	Value	IRS element (for citing)
Total	0	Total

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	0	Total

Insurance Insurance

Field	Value	IRS element (for citing)
Total	0	Total

Other Expenses OtherExpenses

Field	Value	IRS element (for citing)
Description	ALL OTHER EXPENSES	Description
Total	4454	Total
Program Services	3061	ProgramServices
Management And General	1393	ManagementAndGeneral

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	13645008	Total
Program Services	12706699	ProgramServices
Management And General	938309	ManagementAndGeneral
Fundraising	0	Fundraising

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	1045472	BOY
EOY	4125762	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	44415458	BOY
EOY	34614851	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	115158	BOY
EOY	0	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	181663	BOY
EOY	305298	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	28170522	BOY
EOY	25483802	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	14771	BOY
EOY	0	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	73943044	BOY
EOY	64529713	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	658046	BOY
EOY	597067	EOY

Grants Payable GrantsPayable

Field	Value	IRS element (for citing)
BOY	519044	BOY
EOY	75928	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	347	BOY
EOY	2920812	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	1177437	BOY
EOY	3593807	EOY

Field	Value	IRS element (for citing)
Follow SFAS117	X	FollowSFAS117

Unrestricted Net Assets UnrestrictedNetAssets

Field	Value	IRS element (for citing)
BOY	72765607	BOY
EOY	60935906	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	72765607	BOY
EOY	60935906	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	73943044	BOY
EOY	64529713	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	-12041437	ReconcilationRevenueExpenses
Reconcilation Other Changes	211736	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	true	FSAudited
Audit Committee	true	AuditCommittee
Financial Statement Both	X	FinancialStatementBoth
Federal Grant Audit Required	false	FederalGrantAuditRequired

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Art Public Exhibition Amts		ArtPublicExhibitionAmts
Held Works Of Art Amts		HeldWorksOfArtAmts
Land		Land
Buildings		Buildings
Leasehold Improvements		LeaseholdImprovements
Equipment		Equipment
Other Land Buildings		OtherLandBuildings
Federal Income Tax Liability	0	FederalIncomeTaxLiability

Other Liabilities OtherLiabilities (2 entries)

DescriptionDescription	AmountAmount
DUE TO RELATED PARTIES	$812
INVESTMENT PAYABLE	$2,920,000

Field	Value	IRS element (for citing)
Total Of Amounts	2920812	TotalOfAmounts
Total Revenue	1603571	TotalRevenue
Total Expenses	13645008	TotalExpenses
Excess Or Deficit For Year	-12041437	ExcessOrDeficitForYear
Other	$211,736	OtherAmount
Total Adjustments	211736	TotalAdjustments
Excess Or Deficit Per FS	-11829701	ExcessOrDeficitPerFS
Tot Revenue Etc Audited Fincl Stmt	5137374	TotRevenueEtcAuditedFinclStmt
Net Unrealized Gains Investments	211736	NetUnrealizedGainsInvestments
Donated Srvc And Use Of Facilities	3322067	DonatedSrvcAndUseOfFacilities
Revenue Not Rptd F990	3533803	RevenueNotRptdF990
Revenue Subtotal	1603571	RevenueSubtotal
Total Revenue Per Form990	1603571	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	16967075	TotExpensesEtcAuditedFinclStmt
Donated Services Use Of Facilities	3322067	DonatedServicesUseOfFacilities
Expenses Not Rptd F990	3322067	ExpensesNotRptdF990
Expenses Subtotal	13645008	ExpensesSubtotal
Total Expenses Per Form990	13645008	TotalExpensesPerForm990

Form990 Schedule D Part XIV Form990ScheduleDPartXIV

Field	Value	IRS element (for citing)
Identifier	PART XI, LINE 8	Identifier
Explanation	CHANGE IN MARKET VALUE	Explanation

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Records Maintained	true	RecordsMaintained

Recipient Table RecipientTable (73 entries)

Address Line1AddressUS/AddressLine1	CityAddressUS/City	StateAddressUS/State	ZIP CodeAddressUS/ZIPCode	EIN Of RecipientEINOfRecipient	IRC SectionIRCSection	Amount Of Cash GrantAmountOfCashGrant	Purpose Of GrantPurposeOfGrant	Address Line2AddressUS/AddressLine2
AFSCME TRAINING AND EDUCATION INSTITUTE
1625 L STREET NW	WASHINGTON	DC	20036	521148573	501(C)(3)	64392	SEE SCHEDULE O
ALBANY PUBLIC LIBRARY
161 WASHINGTON AVENUE	ALBANY	NY	12210	320034205	501(C)(3)	55055	SEE SCHEDULE O
ALLIANCE LIBRARY SYSTEM
6725 GOSHEN ROAD	EDWARDSVILLE	IL	620257708	371266451	501(C)(3)	100000	SEE SCHEDULE O
AMERICAN CREDIT ALLIANCE
2 S DELMORR AVENUE	MORRISVILLE	PA	19067	223183518	501(C)(3)	15350	SEE SCHEDULE O
AMERICAN PUBLIC MEDIA
480 CEDAR STREET	ST PAUL	MN	55101	410953924	501(C)(3)	142231	SEE SCHEDULE O
APPALACHIAN COMMUNITY ENTERPRISES
3173 HIGHWAY 129 NORTH	CLEVELAND	GA	30528	582383669	501(C)(3)	51755	SEE SCHEDULE O
ARIZONA STATE UNIVERSITY FOUNDATION
300 EAST UNIVERSITY DRIVE	TEMPE	AZ	85281	866051042	501(C)(3)	70500	SEE SCHEDULE O
ASPIRA ASSOCIATION - COMMUNITY AWARENESS
1444 EYE ST NW	WASHINGTON	DC	20005	132627568	501(C)(3)	358169	SEE SCHEDULE O
ASSOCIATION FOR FINANCIAL COUNSELING AND PLANNING
1940 DUKE STREET	ALEXANDRIA	VA	22314	342017326	501(C)(3)	44141	SEE SCHEDULE O
ATHENS-CLARKE COUNTY LIBRARY ENDOWMENT FUND
2025 BAXTER STREET	ATHENS	GA	30606	582200588	501(C)(3)	47255	SEE SCHEDULE O
BARUCH COLLEGE
ONE BERNARD BARUCH WAY	NEW YORK	NY	10010	131988190	501(C)(3)	16916	SEE SCHEDULE O	BOX B2-150
BROOKLYN PUBLIC LIBRARY
10 GRAND ARMY PLAZA	BROOKLYN	NY	11238	111904261	501(C)(3)	95480	SEE SCHEDULE O
CHESAPEAKE PUBLIC LIBRARY FOUNDATION
298 CEDAR ROAD	CHESAPEAKE	VA	23322	541839433	501(C)(3)	50000	SEE SCHEDULE O
COASTAL COALITION FOR CHILDREN INC
2311 HERON STREET	BRUNSWICK	GA	31520	581497814	501(C)(3)	72779	SEE SCHEDULE O
COLLEGE OF WILLIAM & MARY
314 JAMESTOWN ROAD	WILLIAMSBURG	VA	23185	546001718	115(a)	17383	SEE SCHEDULE O
COMMUNITY TELEVISION FOUNDATION OF SOUTH FLORIDA
14901 NE 20 AVENUE	MIAMI	FL	33181	590737868	501(C)(3)	261444	SEE SCHEDULE O
CUYAHOGA COUNTY PUBLIC LIBRARY
2111 SNOW ROAD	PARMA	OH	44134	346000819	501(C)(3)	49500	SEE SCHEDULE O
DREXEL UNIVERSITY OFFICE OF RESEARCH
3201 ARCH STREET	PHILADELPHIA	PA	19104	231352630	501(C)(3)	144869	SEE SCHEDULE O
DURHAM LIBRARY FOUNDATION
PO BOX 3809	DURHAM	NC	27702	562189129	501(C)(3)	49840	SEE SCHEDULE O
EXTENSION FOUNDATION
PO BOX 830918	LINCOLN	NE	68583	204781422	501(C)(3)	89901	SEE SCHEDULE O
FLORIDA INTERNATIONAL UNIVERSITY COLLEGE OF LAW
UNIVERSITY PARK	MIAMI	FL	33199	650177616	115 (A)	100000	SEE SCHEDULE O	MARC430
FLORIDA STATE UNIVERSITY RESEARCH FOUNDATION
97 S WOODWARD AVE	TALLAHASSEE	FL	32306	593211153	501(C)(3)	68301	SEE SCHEDULE O
FOUR BANDS COMMUNITY FUND
PO BOX 932	EAGLE BUTTE	SD	57625	460456528	501(C)(3)	25000	SEE SCHEDULE O	101 S MAIN STREET
FRIENDS OF THE BOLIVAR COUNTY LIBRARY SYSTEM
104 SOUTH LEFLORE AVE	CLEVELAND	MS	38732	510161498	501(C)(3)	16750	SEE SCHEDULE O
FRIENDS OF THE FARGO PUBLIC LIBRARY
PO BOX 1365	FARGO	ND	58103	450440375	501(C)(3)	26500	SEE SCHEDULE O
FRIENDS OF THE FOND DU LAC PUBLIC LIBRARY
32 SHEBOYGAN STREET	FON DU LAC	WI	54935	391627883	501(C)(3)	26263	SEE SCHEDULE O
FRIENDS OF THE LEWISTON LIBRARY INC
428 THAIN ROAD	LEWISTON	ID	83501	300127427	501(C)(3)	44743	SEE SCHEDULE O
FRIENDS OF THE LOVELAND PUBLIC LIBRARY
300 N ADAMS AVENUE	LOVELAND	CO	80537	841424591	501(C)(3)	15944	SEE SCHEDULE O
FRIENDS OF THE NEWTON FREE LIBRARY
30 HOMER STREET	NEWTON	MA	02459	046001404	501(C)(3)	40906	SEE SCHEDULE O
FRIENDS OF THE VIRGINIA BEACH PUBLIC LIBRARY
4100 VIRGINIA BEACH BLVD	VIRGINIA BEACH	VA	23452	541064465	501(C)(3)	25953	SEE SCHEDULE O
GLENDALE PUBLIC LIBRARY
1405 EAST MCDOWELL ROAD	PHOENIX	AZ	85006	510152395	501(C)(3)	40610	SEE SCHEDULE O	SUITE 100
GREENSBORO PUBLIC LIBRARY FOUNDATION
219 N CHURCH STREET	GREENSBORO	NC	27401	562037761	501(C)(3)	48250	SEE SCHEDULE O
HOUSTON PUBLIC LIBRARY FOUNDATION
500 MCKINNEY	HOUSTON	TX	77002	741926301	501(C)(3)	99000	SEE SCHEDULE O
HOWARD UNIVERSITY SCHOOL OF LAW
2400 SIXTH ST NW	WASHINGTON	DC	20059	530204707	501(C)(3)	100000	SEE SCHEDULE O
JACKSONVILLE PUBLIC LIBRARIES FOUNDATION INC
303 NORTH LAURA ST	JACKSONVILLE	FL	32202	592836110	501(C)(3)	50000	SEE SCHEDULE O	ROOM 334
LIBRARIES OF EASTERN OREGON
PO BOX 11	MORO	OR	97037	931280400	501(C)(3)	49088	SEE SCHEDULE O
LOS ANGELES PUBLIC LIBRARY
630 WEST 5TH STREET	LOS ANGELES	CA	90071	954368250	501(C)(3)	50000	SEE SCHEDULE O
LOUISIANA STATE UNIVERSITY
OFFICE OF ACCOUNTING SVCS	BATON ROUGE	LA	20803	726000848	501(C)(3)	14898	SEE SCHEDULE O
MILWAUKEE PUBLIC LIBRARY FOUNDATION
814 WEST WISCONSIN AVE	MILWAUKEE	WI	53233	391610233	501(C)(3)	49500	SEE SCHEDULE O
NATIONAL COUNCIL ON AGING
1901 L STREET NW	WASHINGTON	DC	20036	131932384	501(C)(3)	188316	SEE SCHEDULE O
NATIONAL COUNCIL ON ECONOMIC EDUCATION
122 EAST 42ND STREET	NEW YORK	NY	10168	131623848	501(C)(3)	412687	SEE SCHEDULE O	SUITE 2600
NATIONAL LABOR COLLEGE
10000 NEW HAMPSHIRE AVE	SILVER SPRING	MD	20902	520895834	501(C)(3)	123607	SEE SCHEDULE O
NEW HAVEN FREE PUBLIC LIBRARY
133 ELM STREET	NEW HAVEN	CT	06510	061283798	501(C)(3)	39182	SEE SCHEDULE O
NORTH CAROLINA STATE UNIVERSITY
2701 SULLIVAN DRIVE	RALEIGH	NC	27695	566000756	115 (A)	90876	SEE SCHEDULE O
NORTH CAROLINA STATE UNIVERSITY (BRAZEL)
PO BOX 7214	RALEIGH	NC	27695	566000756	115 (A)	163119	SEE SCHEDULE O
NORTH CAROLINA STATE UNIVERSITY (CLARK)
2701 SULLIVAN DRIVE	RALEIGH	NC	27695	566000756	115 (A)	58015	SEE SCHEDULE O
OHIO STATE UNIVERSITY RESEARCH FOUNDATION
1960 KENNY ROAD	COLUMBUS	OH	43210	316401599	501(C)(3)	46402	SEE SCHEDULE O
PEPPERDINE UNIVERSITY SCHOOL OF LAW
24255 PACIFIC COAST HWY	MALIBU	CA	90263	951644037	501(C)(3)	100000	SEE SCHEDULE O
PIONEER LIBRARY SYSTEM
225 N WEBSTER	NORMAN	OK	73069	736081619	501(C)(3)	39357	SEE SCHEDULE O
QUEENS LIBRARY FOUNDATION
8911 MERRICK BOULEVARD	JAMAICA	NY	11432	113009405	501(C)(3)	100000	SEE SCHEDULE O
REGENTS OF THE UNIVERSITY OF CALIFORNIA LOS ANGELE
10920 WILSHIRE BLVD	LOS ANGELES	CA	90024	956006143	115(A)	48400	SEE SCHEDULE O
REUBEN MCMILLAN FREE LIBRARY ASSOCIATION
305 WICK AVENUE	YOUNGSTOWN	OH	44503	346003201	501(C)(3)	47551	SEE SCHEDULE O
RISE FOUNDATION INC
22 NORTH FRONT STREET	MEMPHIS	TN	38103	311712061	501(C)(3)	72493	SEE SCHEDULE O
RIVERSIDE COUNTY LIBRARY FOUNDATION
3392A DURAHART STREET	RIVERSIDE	CA	92507	522127630	501(C)(3)	31762	SEE SCHEDULE O
SCHAUMBURG COUNTY DISTRICT LIBRARY
130 S ROSELLE	SCHAUMBURG	IL	60193	363891070	501(C)(3)	43500	SEE SCHEDULE O
SETON HALL UNIVERSITY SCHOOL OF LAW
400 SO ORANGE AVE	SOUTH ORANGE	NJ	07079	221500645	501(C)(3)	100000	SEE SCHEDULE O
STATE LIBRARY OF IOWA - LYRASIS
100 N 20TH STREET	PHILADELPHIA	PA	19103	231365979	501(C)(3)	98251	SEE SCHEDULE O	SUITE 302
THE LIBRARY FOUNDATION SERVING THE PEOPLE OF MULT
620 SW FIFTH AVENUE	PORTLAND	OR	97204	931190983	501(C)(3)	50000	SEE SCHEDULE O	SUITE 1025
TRUSTEES OF DARTMOUTH COLLEGE
11 ROPE FERRY ROAD	HANOVER	NH	03755	020222111	501(C)(3)	24359	SEE SCHEDULE O
TRUSTEES OF PRINCETON UNIVERSITY
4 NEW SOUTH	PRINCETON	NJ	08544	210634501	501(C)(3)	22204	SEE SCHEDULE O
TRUSTEES OF THE LELAND STANFORD JUNIOR UNIVERSITY
651 SERRA STREET	STANFORD	CA	941444253	941156365	501(C)(3)	50466	SEE SCHEDULE O	PO BOX 44253
UNITED NEGRO COLLEGE FUND SPECIAL PROGRAMS CORPORA
6402 ARLINGTON BLV	FALLS CHURCH	VA	22042	541980487	501(C)(3)	173202	SEE SCHEDULE O	SUITE 600
UNITED WAY OF THE CAPITAL AREA
2000 E MLK JR BLVD	AUSTIN	TX	78702	741193439	501(C)(3)	75000	SEE SCHEDULE O
UNITED WAY OF BUFFALO AND ERIE COUNTY
742 DELAWARE AVENUE	BUFFALO	NY	14209	160743969	501(C)(3)	75000	SEE SCHEDULE O
UNITED WAY OF CENTRAL AND NORTHEASTERN CONNECTICUT
30 LAUREL STREET	HARTFORD	CT	06106	600646653	501(C)(3)	75000	SEE SCHEDULE O
UNITED WAY OF CHESTER COUNTY
211 N WALNUT STREET	WESTCHESTER	PA	19380	232131877	501(C)(3)	38586	SEE SCHEDULE O
UNITED WAY OF DANE COUNTY
2059 ATWOOD AVENUE	MADISON	WI	53707	390817532	501(C)(3)	75000	SEE SCHEDULE O	PO BOX 7548
UNITED WAY OF SAN ANTONIO AND BEXAR COUNTY
700 S ALAMO STREET	SAN ANTONIO	TX	78205	741272381	501(C)(3)	56250	SEE SCHEDULE O
UNITED WAY OF THE MIDLANDS
1805 HARNEY STREET	OMAHA	NE	68102	470376605	501(C)(3)	60836	SEE SCHEDULE O
UNIVERSITY OF KENTUCKY MICHIGAN 4H FOUNDATION
201 SPARTAN WAY	EAST LANSING	MI	48824	381539997	501(C)(3)	20000	SEE SCHEDULE O
UNIVERSITY OF TENNESSEE
121 MORGAN HILL	KNOXVILLE	TN	37996	626001636	501(C)(3)	204204	SEE SCHEDULE O
WOMEN'S INSTITUTE FOR A SECURE RETIREMENT
1146 19TH STREET NW	WASHINGTON	DC	20036	521997317	501(C)(3)	51240	SEE SCHEDULE O
YORK COUNTY LIBRARY SYSTEM
159 EAST MARKET STREET	YORK	PA	17401	237394108	501(C)(3)	21753	SEE SCHEDULE O

Field	Value	IRS element (for citing)
Total Nbr Of501 C3 And Govt Grants	67	TotalNbrOf501C3AndGovtGrants
Total Nbr Of Other Organizations	6	TotalNbrOfOtherOrganizations

Form990 Schedule I Part IV Form990ScheduleIPartIV

Field	Value	IRS element (for citing)
Identifier	FORM 990, SCHEDULE I	Identifier
Return Reference	DESCRIPTION OF ORGANIZATION'S PROCEDURES FOR MONITORING THE USE OF GRANTS	ReturnReference
Explanation	FOLLOWING APPROVAL OF A GRANT APPLICATION BY THE BOARD OF DIRECTORS, THE FOUNDATION EXECUTES A GRANT AGREEMENT WITH THE APPLICANT. THIS AGREEMENT SPECIFIES THE TERMS AND CONDITIONS OF THE GRANT, AS WELL AS THE REPORTING AND PAYMENT SCHEDULE. GRANTS ARE DISBURSED IN INSTALLMENTS KEYED TO THE SUBMISSION OF NARRATIVE AND FINANCIAL PROGRESS REPORTS AND THE COMPLETION OF DELIVERABLES, WHICH ARE REVIEWED BY THE FOUNDATION TO ENSURE QUALITY AND COMPLIANCE WITH THE GRANT AGREEMENT. AT ITS DISCRETION, THE FOUNDATION MAY ALSO CONDUCT SITE VISITS TO OBSERVE PROJECTS AND EXAMINE OUTCOMES. IN ADDITION TO PROGRESS REPORTS, GRANTEES ARE REQUIRED TO COMPLETE A FINAL NARRATIVE AND FINANCIAL REPORT DETAILING PROJECT ACTIVITIES AND ACCOUNTING FOR THE USE OF GRANT FUNDS.	Explanation

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	X	CompensationCommittee
Independent Consultant	X	IndependentConsultant
Written Employment Contract	X	WrittenEmploymentContract
Compensation Survey	X	CompensationSurvey
Board Or Committee Approval	X	BoardOrCommitteeApproval
Severance Payment	false	SeverancePayment
Supplemental Nonqual Retire Plan	true	SupplementalNonqualRetirePlan
Equity Based Comp Arrangement	false	EquityBasedCompArrangement
Comp Based On Revenue Of Filing Org	false	CompBasedOnRevenueOfFilingOrg
Comp Based On Revenue Related Orgs	false	CompBasedOnRevenueRelatedOrgs
Comp Based Net Earnings Filing Org	false	CompBasedNetEarningsFilingOrg
Comp Based Net Earnings Relate Orgs	false	CompBasedNetEarningsRelateOrgs

Form990 Schedule J Part II Form990ScheduleJPartII (4 entries)

Base Compensation Filing OrgBaseCompensationFilingOrg	Comp Based On Related OrgsCompBasedOnRelatedOrgs	Bonus Filing OrgBonusFilingOrg	Bonus Related OrgsBonusRelatedOrgs	Other Compensation Filing OrgOtherCompensationFilingOrg	Other Compensation Related OrgsOtherCompensationRelatedOrgs	Deferred Comp Filing OrgDeferredCompFilingOrg	Deferred Comp Related OrgsDeferredCompRelatedOrgs	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg	Nontaxable Benefits Related OrgsNontaxableBenefitsRelatedOrgs	Total Compensation Filing OrgTotalCompensationFilingOrg	Total Compensation Related OrgsTotalCompensationRelatedOrgs	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrg	Comp Report Prior990 Related OrgsCompReportPrior990RelatedOrgs
RICHARD G KETCHUM
0	980740	0	1250000	0	29606	0	321305	0	27703	0	2609354	0	0
JOHN M GANNON
0	249922	0	165000	0	17501	0	68227	0	11615	0	512265	0	0
EILEEN M FAMIGLIETTI
0	244096	0	125000	0	2640	0	60736	0	28864	0	461336	0	0
MARCIA E ASQUITH
0	207155	0	220000	0	161087	0	23460	0	27865	0	639568	0	35876

Form990 Schedule J Part III Form990ScheduleJPartIII

Field	Value	IRS element (for citing)
Identifier	Supplemental Compensation Information	Identifier
Return Reference	SCHEDULE J, PART I, LINE 4B	ReturnReference
Explanation	LINE 4B) FINRA OFFERS TWO NON-QUALIFIED SUPPLEMENTAL EXECUTIVE RETIREMENT PLANS. ANNUAL INCREASES IN BENEFIT VALUE, CLIFF VESTING EVENTS, AND PAYOUT DIFFERENTIALS ARE TAXABLE IN THE YEAR IN WHICH THEY OCCUR AND ARE REPORTED IN COLUMN B(iii) OF SCHEDULE J, PART II. UNVESTED BENEFIT AND CONTRIBUTION ACCRUALS ARE TAX DEFERRED AND ARE REPORTED IN COLUMN C OF SCHEDULE J, PART II. 1) FINRA'S SUPPLEMENTAL DEFINED BENEFIT PLAN IS A NON-QUALIFIED DEFINED BENEFIT PLAN THAT IS PROVIDED TO MEMBERS OF A SELECT GROUP OF MANAGEMENT OR HIGHLY COMPENSATED EMPLOYEES SUCH AS THOSE DESCRIBED UNDER 201(2),301(A)(3), AND 401(A)(1) OF ERISA. IT IS A FINRA FUNDED PLAN THAT VESTS AT SPECIFIED AGE AND SERVICE MILESTONES. THIS PLAN WAS CLOSED TO NEW ENTRANTS AS OF 12/31/05. PARTICIPANTS IN THE SUPPLEMENTAL NON-QUALIFIED DEFINED BENEFIT PLAN THAT HAD A GROSS TAXABLE PAYOUT IN 2010 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 2010 INCLUDE: MARCIA E. ASQUITH - $137,929 FOR FURTHER INFORMATION REGARDING THE COMPENSATION OF OFFICERS, PLEASE REFER TO THE 2010 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 (16 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
VOLUNTEER ACTIVITIES	FORM 990 PART I, LINE 6	FIVE MEMBERS OF THE BOARD OF DIRECTORS SERVE ON A VOLUNTEER BASIS. THE BOARD OF DIRECTORS IS RESPONSIBLE FOR APPROVING ALL GRANTS AND PROJECTS.
EXEMPT PURPOSE ACHIEVEMENTS	FORM 990, PART III, LINE 4	4A) GRANT PROGRAMS IN 2010, THE FOUNDATION PROVIDED GRANT OPPORTUNITIES THROUGH FOUR GRANT 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 SUPPORTS INNOVATIVE RESEARCH AND EDUCATIONAL PROJECTS THAT PROVIDE UNDERSERVED AMERICANS WITH THE KNOWLEDGE, SKILLS AND TOOLS NECESSARY FOR FINANCIAL SUCCESS THROUGHOUT LIFE. THE FOUNDATION WILL AWARD 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 PLACES HIGH PRIORITY ON REACHING AND ENGAGING A WELL-DEFINED TARGET AUDIENCE AND ENCOURAGES COLLABORATION AND STRATEGIC PARTNERSHIPS THAT FACILITATE EFFECTIVE MARKETING AND DISTRIBUTION EFFORTS. THE FOUNDATION OFFERS ROLLING DEADLINES FOR PROJECT CONCEPT FORMS UNDER THE GENERAL GRANT PROGRAM. APPLICANTS WHOSE PROJECTS MOST CLOSELY ALIGN WITH THE FOUNDATION'S PRIORITIES ARE INVITED TO SUBMIT A FULL GRANT PROPOSAL FOR CONSIDERATION AT ONE OF THE FOUNDATION'S BOARD MEETINGS. FUNDING PRIORITIES ARE SPECIFIED IN THE GRANT GUIDELINES. THE GUIDELINES ALSO SPECIFY ELIGIBILITY REQUIREMENTS AND GRANT CRITERIA. THE SMART INVESTING@YOUR LIBRARY GRANT PROGRAM IS ADMINISTERED JOINTLY BY THE FINRA INVESTOR EDUCATION FOUNDATION AND THE AMERICAN LIBRARY ASSOCIATION. THIS INVITATION-ONLY GRANT PROGRAM FUNDS PUBLIC LIBRARY EFFORTS TO PROVIDE LIBRARY PATRONS WITH ACCESS TO EFFECTIVE, UNBIASED FINANCIAL EDUCATION RESOURCES. THE FINANCIAL EDUCATION IN YOUR COMMUNITY GRANT PROGRAM IS ADMINISTERED JOINTLY BY THE FINRA INVESTOR EDUCATION 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) MILITARY FINANCIAL EDUCATION PROJECT THE FINRA FOUNDATION DEVELOPED SAVEANDINVEST.ORG AS A FINANCIAL EDUCATION PROGRAM TO EXPAND THE SAVING AND INVESTING KNOWLEDGE OF MILITARY SERVICE MEMBERS AND THEIR SPOUSES. THE MULTI-FACETED INITIATIVE INCLUDES: AN ONLINE RESOURCE CENTER; ON-THE-GROUND TRAINING; EDUCATIONAL TOOLKITS; AND A LONG-TERM PUBLIC OUTREACH CAMPAIGN. THE FOUNDATION IS A PROUD PARTNER IN THE DEPARTMENT OF DEFENSE FINANCIAL READINESS CAMPAIGN. 4C) INVESTOR PROTECTION CAMPAIGN THE FINRA FOUNDATION LAUNCHED A RESEARCH-BASED, SOCIAL CHANGE CAMPAIGN DESIGNED TO REDUCE THE INCIDENCE OF INVESTMENT FRAUD AMONG OLDER INVESTORS. DEVELOPED IN COLLABORATION WITH AARP, STATE SECURITIES REGULATORS AND NOTED EXPERTS IN THE FIELDS OF FRAUD AND PERSUASION, 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. RESULTS OF A FIELD TEST DEMONSTRATE THAT THE "OUTSMARTING INVESTMENT FRAUD" CURRICULUM REDUCED RESPONSIVENESS TO A FRAUD APPEAL BY OVER FIFTY PERCENT. 4D) OTHER PROGRAM SERVICES ARE COMPRISED OF THE FOLLOWING: NATIONAL FINANCIAL CAPABILITY STUDY IN CONSULTATION WITH THE U.S. TREASURY DEPARTMENT AND THE PRESIDENT'S ADVISORY COUNCIL ON FINANCIAL LITERACY, THE FINRA FOUNDATION CONDUCTED A STUDY OF AMERICAN ADULTS' FINANCIAL CAPABILITY. THE STUDY IS COMPRISED OF THREE LINKED SURVEYS: A NATIONAL SURVEY; A MILITARY SURVEY; AND A STATE-BY-STATE SURVEY. THE PURPOSE OF THE STUDY IS TO ESTABLISH A BASELINE MEASURE OF THE ABILITY OF AMERICANS TO MANAGE THEIR MONEY BY PROVIDING EMPIRICAL EVIDENCE OF THE CURRENT STATE OF FINANCIAL KNOWLEDGE AMONG ADULTS, WHY CONSUMERS BEHAVE THE WAY THEY DO AND THE ATTITUDES THAT CONSUMERS HAVE TOWARDS FINANCES. THE EXECUTIVE SUMMARY OF THE 2009 NATIONAL SURVEY WAS RELEASED IN DECEMBER 2009. RESULTS OF THE 2009 MILITARY AND STATE-BY-STATE SURVEYS WERE RELEASED IN 2010. TEEN FINANCIAL LITERACY PROJECT THE FOUNDATION, IN PARTNERSHIP WITH THE CONSUMER FEDERATION OF AMERICA AND USING THE CHANNEL ONE NETWORK AS THE CHIEF SERVICE PROVIDER, SUPPORTED A MULTIMEDIA PROJECT TO IMPROVE KNOWLEDGE OF SELECT, 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 INCLUDE COMPOUND INTEREST, SAVING AND INVESTING TO ACHIEVE LIFE GOALS, BUDGETING AND THE USES AND MISUSES OF CREDIT. SPECIAL ATTENTION IS GIVEN TO TOPICS THAT ARE CLOSELY LINKED TO MATHEMATICS. COLLEGE STUDENT DEBT PROJECT THE FOUNDATION, IN PARTNERSHIP WITH THE INSTITUTE FOR COLLEGE ACCESS AND SUCCESS (TICAS) DEVELOPED A PUBLICATION ON COLLEGE AND UNIVERSITY PRACTICES RELATED TO PRIVATE STUDENT LOANS, WITH PARTICULAR EMPHASIS ON UPSTREAM, PROACTIVE STEPS TO REIN IN RISKY BORROWING. THE REPORT IDENTIFIES EXAMPLES FROM A VARIETY OF COLLEGES (LARGE AND SMALL, PUBLIC AND PRIVATE, FOUR-YEAR AND TWO-YEAR, NON-PROFIT AND FOR-PROFIT) AND ANALYZES WHAT SEEMS TO BE WORKING OR NOT WORKING AND WHY.
CLASSES OF MEMBERS AND THE NATURE OF THEIR RIGHTS	FORM 990, PART VI, LINES 6, 7A and 7B	LINE 6 - FINRA IS THE SOLE MEMBER OF FINRA INVESTOR EDUCATION 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 PROCESS	FORM 990, PART VI, LINE 11	THE FORM 990 WAS REVIEWED BY SENIOR MANAGEMENT AT VARIOUS STEPS THROUGHOUT THE PREPARATION CYCLE. THE FOUNDATION BOARD REVIEWED THE FINAL VERSION ON SEPTEMBER 27, 2011. FORM 990, PART VI EMPLOYMENT RULES AND POLICIES THE FINRA INVESTOR EDUCATION FOUNDATION, INC. DOES NOT HAVE ANY EMPLOYEES. ALL SERVICES ARE PROVIDED BY EMPLOYEES OF FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC. (FINRA). THE FINRA INVESTOR EDUCATION 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 POLICY	FORM 990, PART VI, LINE 12C	THE 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, 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 CEO, EXEC. DIR. OR TOP OFFICIALS,	OTHER OFFICERS, AND KEY EMPLOYEES	FORM 990, PART VI, LINES 15A AND 15B THE MANAGEMENT COMPENSATION COMMITTEE OF THE BOARD OF GOVERNORS (THE "COMPENSATION 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 BOARD OF GOVERNORS. THE COMMITTEE MET ON NOVEMBER 18, 2009, JANUARY 27, 2010, AND AGAIN ON FEBRUARY 9, 2010 TO ESTABLISH INCENTIVE COMPENSATION ATTRIBUTABLE TO THE PERFORMANCE OF SERVICES DURING CALENDAR YEAR 2009 AND TO ESTABLISH BASE SALARIES FOR CALENDAR YEAR 2010. THE COMMITTEE ENGAGED MERCER, INC. ("MERCER"), A THIRD-PARTY COMPENSATION CONSULTANT, TO PREPARE A COMPENSATION STUDY FOR REVIEW AT THESE MEETINGS. THE COMPENSATION STUDY INCLUDED THE COMPENSATION LEVELS DURING 2009 FOR ALL OF THE EXECUTIVES UNDER CONSIDERATION AS WELL AS COMPETITIVE COMPENSATION INFORMATION FOR EXECUTIVES EMPLOYED BY A MIX OF PUBLIC AND PRIVATE FINANCIAL INSTITUTIONS, INCLUDING BROKERAGE/BANKING FIRMS, SECURITIES EXCHANGES AND REGULATORS, THAT MERCER BELIEVED TO BE APPROPRIATE FOR COMPARISON PURPOSES TO FINRA. THE COMMITTEE'S MINUTES OF THE NOVEMBER 18, 2009, JANUARY 27, 2010 AND FEBRUARY 9, 2010 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 2009 INCENTIVE COMPENSATION OF THE CEO AT ITS TELEPHONIC MEETING ON FEBRUARY 10, 2010. ALL COMPENSATION COMMITTEE MEMBERS VOTED FOR THE PROPOSED LEVEL OF EXECUTIVE COMPENSATION.
PUBLIC AVAILABILITY OF GOVERNING DOCUMENTS, CONFLICT OF INTEREST	POLICY AND FINANCIAL STATEMENTS	FORM 990, PART VI, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS AND AUDITED FINANCIAL STATEMENTS AVAILABLE UPON REQUEST.
VOLUNTARY DISCLOSURE FOR EBRI CONTRIBUTION		FINRA REGULATION CONTRIBUTED A TOTAL OF $32,500 IN 2010 TO THE EMPLOYEE BENEFIT RESEARCH INSTITUTE EDUCATION AND RESEARCH FUND (EBRI-ERF), A SEPARATE CORPORATE 501(C)(3) AFFILIATE FOR THE EMPLOYEE BENEFIT RESEARCH INSTITUTE, OF WHICH FINRA FOUNDATION BOARD MEMBER, DALLAS L. SALISBURY, IS PRESIDENT AND CEO. THIS INCLUDES $7,500 IN SUPPORT OF THE EBRI RETIREMENT CONFIDENCE SURVEY FOR 2011, AND $25,000 TOWARDS ANNUAL PARTNERSHIP IN THE AMERICAN SAVINGS AND EDUCATION COUNCIL WHICH THE EMPLOYEE BENEFIT RESEARCH INSTITUTE ADMINISTERS.
GRANTS AND OTHER ASSISTANCE - PURPOSE OF GRANT OR ASSISTANCE	SCHEDULE I, PART I	AFSCME TRAINING AND EDUCATION INSTITUTE, WASHINGTON, DC (52-1148573) INVESTOR EDUCATION FOR WORKING FAMILIES THE AFSCME TRAINING AND EDUCATION INSTITUTE IS DEVELOPING A COMPREHENSIVE INVESTOR EDUCATION PROGRAM FOR AFSCME'S 1.4 MILLION MEMBERS. PARTNERING WITH BETTERINVESTING, THIS PROJECT WILL USE AN ON-LINE, SELF-PACED INVESTOR EDUCATION CURRICULUM ALONG WITH DVDS, PRINTED MATERIALS AND A STRONG OUTREACH PROGRAM. ALBANY PUBLIC LIBRARY, ALBANY, NY (32-0034205) THE LIBRARY WILL DEVELOP AND MARKET A WEEKLY DROP-IN CLINIC THAT GIVES ONE-ON-ONE REFERENCE ASSISTANCE AND REFERRALS FOR TAX PREPARATION CUSTOMERS. ALLIANCE LIBRARY SYSTEM, EAST PEORIA, IL - FISCAL AGENT ILLINOIS LIBRARY SYSTEM DIRECTORS ORGANIZATION (37-1266451) ALLIANCE WILL DELIVER SAVING AND INVESTING INFORMATION THROUGH SOCIAL MEDIA TARGETING INDIVIDUALS AGES 13-35. IT WILL ALSO PROVIDE ONLINE AND FACE-TO-FACE INVESTOR EDUCATION PROGRAMS THROUGH SIX PUBLIC LIBRARIES, THE VIRTUAL WORLD OF SECOND LIFE, AND AN OUTREACH VAN THAT TRAVELS TO COMMUNITY EVENTS AND PUBLIC LIBRARIES IN SMALL, RURAL COMMUNITIES THROUGHOUT CENTRAL ILLINOIS. AMERICAN CREDIT ALLIANCE, MORRISVILLE, PA (22-3183518) MONEY TALKS: BUILDING A BRIGHTER FUTURE THIS PILOT PROGRAM PROVIDES 100 ADULT MEN AND WOMEN SERVING A TERM OF STATE OR FEDERAL PROBATION, PAROLE, OR SUPERVISED RELEASE IN NEW JERSEY WITH FINANCIAL LITERACY TRAINING, SO AS TO HELP REDUCE RECIDIVISM AND ITS COSTLY SOCIAL IMPLICATIONS. PARTNERS INCLUDE THE REGIONAL GOODWILL INDUSTRIES, THE U.S. DISTRICT COURT FOR THE DISTRICT OF NEW JERSEY, AND THE NEW JERSEY COALITION FOR FINANCIAL EDUCATION. RUTGERS UNIVERSITY COOPERATIVE EXTENSION IS EVALUATING THE EFFORT. AMERICAN PUBLIC MEDIA, ST. PAUL, MN (41-0953924) INVESTOR EDUCATION REPORTING FOR THE UNDERSERVED ON MARKETPLACE IN FOLLOW-UP TO AN EARLIER FOUNDATION GRANT, APM WILL CONTINUE TO PROVIDE INVESTOR EDUCATION REPORTING ON THE POPULAR MARKETPLACE SUITE OF RADIO PROGRAMS ON NATIONAL PUBLIC RADIO AND AMERICAN FORCES RADIO NETWORK, INCLUDING MARKETPLACE, MARKETPLACE MORNING REPORT, AND MARKETPLACE MONEY. IN ADDITION, APM WILL PRODUCE A SPECIAL SERIES FOCUSING ON THE FINANCIAL EDUCATION NEEDS OF MILITARY FAMILIES. VISIT WWW.MARKETPLACE.ORG TO HEAR THE SEGMENTS. APPALACHIAN COMMUNITY ENTERPRISES, INC., CLEVELAND, GA (58-2383669) APPALACHIAN COMMUNITY ENTERPRISES WILL PARTNER WITH THE LOCAL HEAD START PROGRAM TO PROVIDE A SERIES OF BASIC MONEY MANAGEMENT WORKSHOPS FOR LOW INCOME FAMILIES IN TWO COUNTIES IN NORTH GEORGIA. WORKSHOPS WILL BE PRESENTED IN ENGLISH AND SPANISH USING A UNIQUE "STORYTELLING" MODEL THAT ENGAGES ADULT LEARNERS IN ENTERTAINING, PARTICIPATIVE ACTIVITIES THAT AID IN KNOWLEDGE RETENTION. ARIZONA STATE UNIVERSITY FOUNDATION, TEMPE, AZ (86-6051042) THE CENTER FOR COMMUNITY DEVELOPMENT AND CIVIL RIGHTS AT THE ARIZONA STATE UNIVERSITY WILL LAUNCH A FINANCIAL EDUCATION CLASS THAT CAPITALIZES ON KEY ELEMENTS OF THE SUCCESSFUL AMERICAN DREAM ACADEMY PARENT EDUCATION PROGRAM. THE AMERICAN DREAM ACADEMY PARTNERS WITH SCHOOLS AND DISTRICTS IN LOW-INCOME, DISADVANTAGED RESIDENTIAL AREAS AND TRAINS PARENTS TO BECOME EFFECTIVE PARTNERS AND ADVOCATES OF THEIR CHILDREN. THIS PROGRAM WAS DEVELOPED IN RESPONSE TO INTEREST BY PARTICIPANTS IN ADDITIONAL EDUCATIONAL COMPONENTS THAT TEACH THE LIFE SKILLS NEEDED TO RISE ABOVE LOW-INCOME STATUS. 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. ASSOCIATION FOR FINANCIAL COUNSELING AND PLANNING EDUCATION, COLUMBUS, OH (34-2017326) IMPROVING THE FINANCIAL MANAGEMENT OF INTACT AND DIVORCING COUPLES AFCPE IS DELIVERING A SIX-PART CONTINUING EDUCATION PROGRAM, MONEY 1 TO 1, TO MEMBERS OF NON-FINANCE PROFESSIONAL COUNSELING ASSOCIATIONS DEALING WITH RELATIONSHIP AND DIVORCE ISSUES. THE TRAINING ENABLES COUNSELORS TO ASSIST CLIENTS WITH FINANCIAL COMMUNICATIONS, BUDGETING AND CASH FLOW MANAGEMENT, MANAGING INVESTMENTS AND RESIDENCES, AND TAX ISSUES IN DIVORCE. IN EXCHANGE FOR RECEIVING THE EDUCATION, COUNSELORS ARE REQUIRED TO PROVIDE PRO BONO SERVICES TO INDIVIDUALS OR COUPLES. ATHENS-CLARKE COUNTY LIBRARY ENDOWMENT FUND, ATHENS, GA (58-2200588) ATHENS-CLARKE COUNTY LIBRARY IS UNDERTAKING A BASIC FINANCIAL LITERACY INITIATIVE HELPING LOW-INCOME WORKERS WITH LOW EDUCATIONAL ATTAINMENT; EXPANDING PARTNERSHIPS WITH LOCAL ORGANIZATIONS, INCLUDING THE PUBLIC SCHOOLS AND THE FAMILY AND CONSUMER ECONOMICS COLLEGE AT THE UNIVERSITY OF GEORGIA; AND INTEGRATING FINANCIAL LITERACY EDUCATION INTO GED PREPARATION PROGRAMS AT FIVE COMMUNITY SITES. BARUCH COLLEGE, NEW YORK, NY (13-1988190) YOUNG INVESTOR ONLINE GUIDE BARUCH AND ITS PARTNERS ARE DEVELOPING AN INTERACTIVE INVESTMENT GUIDE TAILORED TO YOUNG ADULTS, PARTICULARLY THOSE MAKING CAREER CHOICES. THE GUIDE, DOLLARSFROMSENSE.COM, WILL BE PROMOTED NATIONALLY THROUGH IMPLEMENTATION OF A MARKETING PLAN INVOLVING THE MIAMI UNIVERSITY CHAPTER OF PI SIGMA EPSILON, THE NATIONAL ASSOCIATION OF COLLEGES AND EMPLOYERS, THE CAREER SERVICES ASSOCIATION OF THE CITY UNIVERSITY OF NEW YORK, THE SPECIAL LIBRARIES ASSOCIATION BUSINESS & FINANCE DIVISION AND THE LIBRARY ASSOCIATION OF THE CITY UNIVERSITY OF NEW YORK. BROOKLYN PUBLIC LIBRARY, BROOKLYN, NY (11-1904261) BROOKLYN PUBLIC LIBRARY WILL REACH LOW-INCOME WORKING ADULTS WITH A SIX-PART FINANCIAL EDUCATION SERIES IN FOUR LOCATIONS, INCLUSIVE OF WORKSHOPS AND GROUP COUNSELING SESSIONS OFFERED IN PARTNERSHIP WITH NEW YORK CITY'S OFFICE OF FINANCIAL EMPOWERMENT AND OTHER CITY AGENCIES. THE LIBRARY WILL ALSO CONDUCT WORKSHOPS AT MULTIPLE LOCATIONS TO HELP TEENS BUILD THEIR MONEY-MANAGEMENT SKILLS. CHESAPEAKE PUBLIC LIBRARY FOUNDATION, CHESAPEAKE, VA (54-1839433) CHESAPEAKE IS EXPANDING VIRTUAL LIBRARY SERVICES, WITH HELP FROM NORFOLK STATE UNIVERSITY, USING $AVE $TEVE AND A FAMILY OF CHARACTERS ($AVE $ARA, $AVE $ELMA AND $AVE $AM) WHO GUIDE LIBRARY PATRONS THROUGH AGE-APPROPRIATE ONLINE TUTORING EXPERIENCES IN INVESTMENT LITERACY. THE LIBRARY IS ALSO HELPING TEACHERS USE THESE ONLINE MODULES AND PROMOTING THE $AVE $TEVE FAMILY OF PERSONAL FINANCE CHARACTERS TO THE MEDIA CENTERS IN CHESAPEAKE'S 41 PUBLIC SCHOOLS. COASTAL COALITION FOR CHILDREN, INC., BRUNSWICK, GA (58-1497814) THE COASTAL COALITION FOR CHILDREN WILL PARTNER WITH THE UNIVERSITY OF GEORGIA COOPERATIVE EXTENSION AND LOCAL SOCIAL SERVICE AGENCIES TO INCORPORATE BASIC FINANCIAL EDUCATION INTO EXISTING CLIENT PROGRAMS. THE UNITED WAY OF COASTAL GEORGIA, THE BRUNSWICK HOUSING AUTHORITY AND THE COLLEGE OF COASTAL GEORGIA WILL ALSO COLLABORATE IN THE EFFORT TO PROVIDE BILINGUAL WORKSHOPS FOR THE GENERAL PUBLIC.
COLLEGE OF WILLIAM & MARY, WILLIAMSBURG, VA (54-6001718)		EXPERIMENTS ON INVESTMENT CHOICE: ANNUITIES VERSUS LUMP SUM PAYMENTS WILLIAM & MARY RESEARCHERS ARE EXAMINING HOW INFORMATION CONTENT AND DELIVERY INTERACT WITH PERCEIVED RISK TO AFFECT AN INVESTOR'S CHOICE BETWEEN A RETIREMENT ANNUITY AND A LUMP SUM PAYMENT. THE RESEARCH MAKES USE OF SIMULATIONS THAT MIGHT BE USEFUL AS EDUCATIONAL TOOLS, AND INCLUDES COLLEGE STUDENTS, WORKING ADULTS AND RETIREES IN CONTROLLED LABORATORY EXPERIMENTS. PRELIMINARY RESEARCH FINDINGS ARE PUBLISHED IN THE RESOURCE CENTER. COMMUNITY TELEVISION FOUNDATION OF SOUTH FLORIDA, MIAMI, FL (59-0737868) GET YOUR FINANCES READY FOR RETIREMENT IN PARTNERSHIP WITH THE NIGHTLY BUSINESS REPORT AND U.S. NEWS & WORLD REPORT, COMMUNITY TV OF SOUTH FLORIDA IS PRODUCING TELEVISION REPORTS AND SPECIALS, ALONG WITH MONTHLY COMPANION PRINT ARTICLES, TO HELP NEW RETIREES AND THOSE APPROACHING RETIREMENT UNDERSTAND FINANCIAL ISSUES RELATED TO RETIREMENT DECUMULATION. CUYAHOGA COUNTY PUBLIC LIBRARY, PARMA, OH (34-6000819) THE LIBRARY IS DELIVERING AN INTERGENERATIONAL FINANCIAL LITERACY PROJECT FOR YOUTH (PRIMARILY LOW INCOME) IN GRADES 5 THROUGH 12 AND THEIR PARENTS AT EIGHT OF ITS BRANCHES. IT IS ALSO PROVIDING AFTER-SCHOOL AND SUMMER FINANCIAL LITERACY EXPERIENCES, AND SUPPORTING LEARNING OBJECTIVES FOR SCHOOLS CONSISTENT WITH OHIO'S PERSONAL FINANCE AND ECONOMICS REQUIREMENTS. DREXEL UNIVERSITY, THE MATH FORUM, PHILADELPHIA, PA (23-1352630) THE MATH FORUM ENHANCED TOOLS FOR FINANCIAL LITERACY THE MATH FORUM@DREXEL, A LEADING ONLINE PROVIDER OF MATHEMATICS EDUCATION AND TEACHER PROFESSIONAL DEVELOPMENT, WILL BRING TOGETHER MATHEMATICIANS, MATH TEACHERS AND FINANCIAL LITERACY EXPERTS, WHO WILL WORK WITH EACH OTHER AND WITH STUDENTS TO ADDRESS THE FINANCIAL LITERACY CONCEPTS WITHIN THE CORE MATHEMATICS CURRICULUM. DURHAM LIBRARY FOUNDATION, DURHAM, NC (56-2189129) DURHAM COUNTY LIBRARY IS CREATING A FINANCIAL WORKSHOP SERIES FOR YOUNG PARENTS OF THE REGION'S 37,000 PRESCHOOL AND ELEMENTARY SCHOOL CHILDREN, WITH SPECIAL EMPHASIS ON SAVING AND INVESTING FOR COLLEGE. THE PROJECT INCLUDES DEVELOPMENT OF A WEB PAGE FOR BUSY YOUNG PARENTS, DIRECT ACCESS TO FINANCIAL DATABASES AND OTHER RELEVANT MATERIALS FOR LIBRARY CARDHOLDERS, AN E-NEWSLETTER ON PERSONAL FINANCE, AND ONLINE CHATS WITH EXPERTS. EXTENSION FOUNDATION, LINCOLN, NE (20-4781422) ONLINE INVESTMENT EDUCATION FOR FARM HOUSEHOLDS THE EXTENSION FOUNDATION IS ADAPTING ITS AWARD-WINNING CURRICULUM-INVESTING FOR YOUR FUTURE-TO SERVE THE INVESTOR EDUCATION NEEDS OF FARM HOUSEHOLDS IN THE UNITED STATES THROUGH AN INTERACTIVE, WEB-BASED LEARNING ENVIRONMENT. THE PROJECT INCLUDES MARKET RESEARCH TO TAILOR THE PROGRAM FOR MAXIMUM REACH AND EFFECTIVENESS, AND EMPLOYS THE RESOURCES AND EXPERTISE OF THE COOPERATIVE EXTENSION SERVICE AND ITS 3,000+ COUNTY OFFICES TO DESIGN, PROMOTE, EVALUATE, AND SUSTAIN THE PROGRAM. FLORIDA INTERNATIONAL UNIVERSITY COLLEGE OF LAW, 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. FLORIDA STATE UNIVERSITY, TALLAHASSEE, FL (59-3211153) THE DEVELOPMENT OF SUPERIOR PERSONAL INVESTING PERFORMANCE FLORIDA STATE RESEARCHERS ARE ATTEMPTING TO IDENTIFY INVESTMENT RELATED ACTIVITIES ASSOCIATED WITH WEALTH ACCUMULATION WITHIN AMERICAN HOUSEHOLDS USING A VARIETY OF SELF-REPORT METHODS INCLUDING A QUESTIONNAIRE-BASED SURVEY AND HOUSEHOLD DIARY LOGS. FOUR BANDS COMMUNITY FUND, EAGLE BUTTE, SD (46-0456528) THE FOUR BANDS COMMUNITY FUND SERVES THE CHEYENNE RIVER INDIAN RESERVATION, LOCATED IN A REMOTE, IMPOVERISHED AREA IN NORTH CENTRAL SOUTH DAKOTA. IN PARTNERSHIP WITH THE CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS, FOUR BANDS WILL CONDUCT A MULTI-FACETED PROGRAM TO PROVIDE CREDIT REPAIR AND OTHER FINANCIAL EDUCATION TO STAFF OF 12 COMMUNITY ORGANIZATIONS AND THE PEOPLE THEY SERVE. THEY WILL ALSO UNDERTAKE A RESERVATION-WIDE PUBLIC AWARENESS CAMPAIGN TO HIGHLIGHT THE FINANCIAL EDUCATION SERVICES AVAILABLE THROUGH COMMUNITY PARTNER ORGANIZATIONS. FRIENDS OF THE BOLIVAR COUNTY LIBRARY SYSTEM, CLEVELAND, MS (51-0161498) IN PARTNERSHIP WITH DELTA STATE UNIVERSITY, THE LIBRARY SYSTEM WILL PROVIDE FINANCIAL EDUCATION PROGRAMS FOR LOW-INCOME WOMEN UNDER AGE 30 LIVING IN THE MISSISSIPPI DELTA. FRIENDS OF THE FARGO PUBLIC LIBRARY, FARGO, ND (45-0440375) THE LIBRARY IS EXPANDING ITS REACH TO MULTIPLE AUDIENCES, INCLUDING YOUNG ADULTS, SENIORS AND THE LOCAL COMMUNITY OF NEW AMERICANS AND ENGLISH LANGUAGE LEARNERS, THROUGH A SERIES ON PERSONAL FINANCE AND INVESTING. IT IS BREAKING THROUGH LANGUAGE AND CULTURAL BARRIERS TO EXPLAIN SAFE AND EFFECTIVE FINANCIAL PRACTICES AND RESOURCES. FRIENDS OF THE FOND DU LAC PUBLIC LIBRARY, FOND DU LAC, WI (39-1627883) FOND DU LAC PUBLIC LIBRARY IS DESIGNING A VIRTUAL "MONEY SMART NEIGHBORHOOD" AND "MONEY SMART UNIVERSITY" AS YEAR-LONG COMPANION COMPONENTS OF "MONEY SMART WEEK WISCONSIN," A STATEWIDE FINANCIAL LITERACY CAMPAIGN. THE LIBRARY IS GIVING SPECIAL ATTENTION TO THE PERSONAL FINANCIAL EDUCATION NEEDS OF BABY BOOMERS NEARING RETIREMENT AND THE GENERATION Y COHORT THAT WILL REPLACE THEM IN THE WORKFORCE. FRIENDS OF THE LEWISTON CITY LIBRARY, INC., LEWISTON, ID (30-0127427) LEWISTON CITY LIBRARY WILL COLLABORATE WITH AREA HIGH SCHOOLS TO CREATE AN "INVESTMENT DAY" COMPETITION FOR STUDENTS; ESTABLISH MORNING INVESTMENT CLUBS TO REINFORCE FINANCIAL AND INVESTMENT CONCEPTS AMONG STUDENTS; ORGANIZE AN INVESTMENT FAIR; AND DEVELOP ONLINE VIDEO AND AUDIO PRESENTATIONS ON INVESTING TOPICS. FRIENDS OF THE LOVELAND PUBLIC LIBRARY, LOVELAND, CO (84-1424591) WITH COLORADO STATE UNIVERSITY EXTENSION, LOVELAND PUBLIC LIBRARY IS OFFERING "MONEY TALKS," BOTH AT THE LIBRARY AND ON LOVELAND'S CABLE TV STATION, ON TOPICS RANGING FROM THE BASICS OF BUDGETING TO RETIREMENT PLANNING. THE LIBRARY IS ALSO HELPING TO PREVENT FINANCIAL FRAUD AMONG OLDER INVESTORS THROUGH EDUCATIONAL AND OUTREACH EFFORTS CONDUCTED IN PARTNERSHIP WITH THE LOCAL POLICE DEPARTMENT, THE COUNTY OFFICE ON AGING AND LOCAL VOLUNTEERS. FRIENDS OF THE NEWTON FREE LIBRARY, NEWTON, MA (04-6001404) NEWTON FREE LIBRARY WILL SPONSOR A SUSTAINABLE, INTER-GENERATIONAL RETIREMENT PLANNING CLUB FOR WOMEN IN PARTNERSHIP WITH COMMUNITY ORGANIZATIONS, AND TRAIN REFERENCE LIBRARIANS ON FINANCIAL LITERACY IN PARTNERSHIP WITH THE BOSTON COLLEGE CENTER FOR RETIREMENT RESEARCH. FRIENDS OF THE VIRGINIA BEACH PUBLIC LIBRARY, VIRGINIA BEACH, VA (54-1064465) THE LIBRARY WILL DELIVER IN-PERSON AND VIRTUAL FINANCIAL LITERACY LEARNING OPPORTUNITIES FOR YOUTH AGES 12 TO 18 AS THEY PREPARE TO ASSUME FINANCIAL RESPONSIBILITIES IN THEIR LIVES. IT WILL ALSO CONDUCT OUTREACH TO A NEARBY HIGH SCHOOL FOR PREGNANT TEENS AND A JUVENILE DETENTION CENTER TO HELP EDUCATE RESIDENTS ON MONEY MANAGEMENT BASICS.
GLENDALE PUBLIC LIBRARY, GLENDALE, AZ FISCAL AGENT - NEIGHBORHOOD HOUSING	SERVICES OF PHOENIX (51-0152395)	THE PUBLIC LIBRARY IN GLENDALE IS REACHING OUT TO MILITARY SERVICE MEMBERS AND THEIR FAMILIES, LOW-AND MIDDLE- INCOME ADULTS (BOTH ENGLISH AND SPANISH SPEAKING), AND TEENS FROM VARIOUS ECONOMIC BACKGROUNDS WITH MULTI-SESSION FINANCIAL AND INVESTOR EDUCATION SEMINARS AT LIBRARY AND COMMUNITY LOCATIONS. GREENSBORO PUBLIC LIBRARY FOUNDATION, GREENSBORO, NC (56-2037761) THE GRANT WILL ENABLE PUBLIC LIBRARIANS TO COLLABORATE WITH STUDENTS AND FACULTY FROM THE ECONOMICS AND FINANCE DEPARTMENT OF NORTH CAROLINA A&T STATE UNIVERSITY TO PROVIDE A SEQUENTIAL FINANCIAL LITERACY EXPERIENCE FOR LIBRARY USERS AGES 13 TO 18. THE LIBRARY WILL ALSO MAKE AVAILABLE ONE-ON-ONE COUNSELING AT ITS NEIGHBORHOOD BRANCHES ON SELECTED TOPICS OF IMPORTANCE TO TEENS AS THEY BEGIN TO TAKE ON FINANCIAL RESPONSIBILITIES IN THEIR LIVES. HOUSTON PUBLIC LIBRARY, HOUSTON, TX (74-1926301) HOUSTON PUBLIC LIBRARY WILL PARTNER WITH THE UNIVERSITY OF HOUSTON AND COMMUNITY ORGANIZATIONS TO OFFER A BILINGUAL FINANCIAL EDUCATION SERIES (FROM MONEY BASICS TO INVESTING FUNDAMENTALS) FOR THE CITY'S ENGLISH AND SPANISH SPEAKING FAMILIES. HOWARD UNIVERSITY SCHOOL OF LAW, WASHINGTON, D.C. (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. JACKSONVILLE PUBLIC LIBRARIES FOUNDATION INC., JACKSONVILLE, FL (59-2836110) THE LIBRARY WILL PARTNER WITH FLORIDA STATE COLLEGE'S MILITARY EDUCATION INSTITUTE AND VETERANS CENTER, THE CITY OF JACKSONVILLE'S MILITARY AFFAIRS AND VETERANS OFFICE, AND THE CITY'S DISABLED SERVICES OFFICE TO HELP MEET THE FINANCIAL EDUCATION NEEDS OF NORTHEAST FLORIDA VETERANS, ACTIVE-DUTY SERVICE MEMBERS, AND MILITARY SPOUSES USING WORKSHOPS AND ONLINE LEARNING. LIBRARIES OF EASTERN OREGON, FOSSIL, OR (93-1280400) THIS CONSORTIUM WILL REACH POPULATION CENTERS IN 15 RURAL COMMUNITIES IN UMATILLA AND MORROW COUNTIES WITH IN-PERSON AND DISTANCE LEARNING ON A WIDE RANGE OF FINANCIAL LITERACY TOPICS. IT WILL DISSEMINATE PROGRAMS FOR SENIOR CITIZENS AND LATINO AND NATIVE AMERICAN RESIDENTS THROUGH PARTNERSHIPS WITH COMMUNITY COLLEGES AND OTHER AGENCIES, AND CREATE PERSONAL FINANCE BOOK CLUBS IN ENGLISH AND SPANISH. LOS ANGELES PUBLIC LIBRARY, LOS ANGELES, CA (95-4368250) THE LIBRARY WILL COLLABORATE WITH COMMUNITY ORGANIZATIONS TO IMPROVE UNDERSTANDING OF BASIC FINANCIAL CONCEPTS AND RESOURCES AMONG ETHNIC COMMUNITIES, AND PRESENT IN-PERSON WORKSHOPS WITH THE HELP OF THESE COMMUNITY-BASED PARTNERS IN CHINESE-, KOREAN-, SPANISH- AND ENGLISH-SPEAKING NEIGHBORHOODS. LOUISIANA STATE UNIVERSITY AGRICULTURAL CENTER, BATON ROUGE, LA (72-6000848) THE LOUISIANA STATE AGRICULTURAL CENTER IS DEVELOPING, IMPLEMENTING AND TESTING A MODEL FOR WORKPLACE INVESTOR EDUCATION TAILORED TO SPECIFIC OCCUPATIONS. THE PILOT MODEL FOCUSES ON K-12 SCHOOL SYSTEM EMPLOYEES, PRIMARILY WOMEN, IN LOUISIANA. MILWAUKEE PUBLIC LIBRARY FOUNDATION, MILWAUKEE, WI (39-1610233) THE MILWAUKEE PUBLIC LIBRARY WILL LEVERAGE PARTNERSHIPS WITH MAKE A DIFFERENCE-WISCONSIN, THE MILWAUKEE DEPARTMENT ON AGING AND MONEY SMART WEEK TO IMPROVE FINANCIAL LITERACY AMONG HIGH SCHOOL STUDENTS, ADDRESS THE INVESTOR PROTECTION NEEDS OF SENIOR CITIZENS AND PROVIDE BASIC FINANCIAL EDUCATION TO THE BROADER COMMUNITY. 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 COUNCIL ON ECONOMIC EDUCATION, NEW YORK, NY (13-1623848) LEARNING, EARNING AND INVESTING: THE GAME CEE WILL EXPAND THE REACH AND APPEAL OF ONE OF THE MOST FREQUENTLY USED FINANCIAL LITERACY CURRICULA FOR MIDDLE AND HIGH SCHOOL STUDENTS THROUGH DEVELOPMENT OF A COMPANION COMPUTER GAME WITH 15 INTERACTIVE SEGMENTS, A DEDICATED WEBSITE AND A TEACHER RESOURCE GUIDE. THE ORGANIZATION WILL LEVERAGE ITS RESOURCES, REPUTATION AND EXPERTISE (INCLUDING ITS NATIONAL NETWORK OF AFFILIATED STATE COUNCILS) TO DESIGN, PROMOTE, EVALUATE AND SUSTAIN THE PROGRAM. 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. NEW HAVEN FREE PUBLIC LIBRARY, NEW HAVEN, CT FISCAL AGENT - FRIENDS OF THE NEW HAVEN PUBLIC LIBRARY, INC. (06-1283798) THE LIBRARY IS COLLABORATING WITH NEARBY HIGHER-EDUCATION INSTITUTIONS, ESPECIALLY FACULTY IN THE FIELDS OF BUSINESSES, ECONOMICS AND FINANCE, ON LIBRARY PROGRAMMING ABOUT INVESTING. IT IS INTEGRATING FINANCIAL LITERACY RESOURCES AND DISCUSSION GROUPS AS PERMANENT FEATURES OF ITS 50+ TRANSITION CENTER. 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 OPERATIONALIZE THE TOOL AND MAKE IT WIDELY AVAILABLE TO REGULATORS, AUDITORS AND INVESTORS. NORTH CAROLINA STATE UNIVERSITY, RALEIGH, NC (56-6000756) USING NONFINANCIAL MEASURES TO ASSESS THE RISK OF FRAUDULENT FINANCIAL REPORTING AND IMPROVE RETAIL INVESTOR PROTECTION NC STATE IS CREATING A PROTOTYPE WEB-BASED TOOL TO HELP INVESTORS, AUDITORS AND REGULATORS DETECT FRAUD IN FINANCIAL STATEMENTS BY COMPARING FINANCIAL INFORMATION WITH NONFINANCIAL DATA. THE VALIDITY OF THE WEB-BASED TOOL AND ITS USES WILL BE EVALUATED THROUGH EMPIRICAL ANALYSES. NORTH CAROLINA STATE UNIVERSITY, RALEIGH, NC (56-6000756) EVALUATING EMPLOYER-PROVIDED FINANCIAL EDUCATION PROGRAMS FOR PRE-RETIREES RESEARCHERS FROM NC STATE UNIVERSITY WILL COLLABORATE WITH HUMAN RESOURCES MANAGERS TO EVALUATE THE EXTENT TO WHICH WORKPLACE EDUCATION PROGRAMS IMPROVE EMPLOYEES' ABILITY TO UNDERSTAND THEIR OPTIONS RELATING TO TIMING OF RETIREMENT, THE AGE AT WHICH TO BEGIN SOCIAL SECURITY AND PENSION BENEFITS, MEDICARE, ANNUITIZATION, AND OTHER MATTERS PERTAINING TO ASSET MANAGEMENT IN RETIREMENT. THE PROJECT WILL RESULT IN PRACTICAL PAPERS, RESEARCH PAPERS, AND A TEMPLATE FOR HELPING EMPLOYERS EVALUATE THEIR PRE-RETIREMENT PROGRAMS.
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. 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 (73-6081619) PIONEER IS CONDUCTING PERSONAL FINANCE SEMINARS WITH INTERACTIVE, HANDS-ON MATERIALS AT EACH OF THE NINE PUBLIC LIBRARIES IN THE REGION. AS PART OF THIS WORK, IT IS PARTNERING WITH STATE AND REGIONAL AGENCIES, INCLUDING POTAWATOMI NATION, CHICKASAW NATION AND THE OKLAHOMA SECURITIES COMMISSION TO ASSIST WITH LIBRARY STAFF TRAINING AND TO PROVIDE INSTRUCTIONAL MATERIALS. PIONEER IS ALSO WORKING WITH SCHOOL DISTRICTS TO HELP THEM MEET PERSONAL FINANCE REQUIREMENTS FOR GRADES 7 THROUGH 12. QUEENS LIBRARY FOUNDATION, JAMAICA, NY (11-3009405) QUEENS LIBRARY WILL COLLABORATE WITH LOCAL NONPROFITS TO PROVIDE INVESTOR EDUCATION PROGRAMS TO IMMIGRANT AND LOW-INCOME RESIDENTS IN ENGLISH, SPANISH, CHINESE, BENGALI, KOREAN AND OTHER LANGUAGES. THE LIBRARY WILL PARTNER WITH FINANCIAL EDUCATORS FROM NONPROFIT AGENCIES WHO WILL OFFER INDIVIDUALIZED CONSULTATIONS ON BASIC FINANCIAL CONCEPTS AND SAFE, EFFECTIVE FINANCIAL PRACTICES. REGENTS OF THE UNIVERSITY OF CALIFORNIA LOS ANGELES, LOS ANGELES, CA (95-6006143) HOW INVESTORS ARE FACING THE LONGEVITY RISK: THE ROLE OF ANNUITIES FOCUSING ON THE USE OF ANNUITIES, UCLA RESEARCHERS STUDIED HOW INDIVIDUAL INVESTORS ARE FACING LONGEVITY RISK. THEY SURVEYED A BROAD BASE OF INVESTORS TO DETERMINE: 1) THE EXTENT TO WHICH INVESTORS ARE ADDRESSING LONGEVITY RISK AND THEIR PREFERRED METHODS OF DOING SO; 2) WHETHER ANNUITIES CAN PROVIDE A SOLUTION TO THE CHALLENGE; AND 3) WHAT FEATURES OF ANNUITIES MAKE THEM UNATTRACTIVE TO THE INDIVIDUAL INVESTOR. THE GOAL WAS TO PROPOSE CHANGES TO THE CURRENT FEATURES OF ANNUITIES TO MAKE THEM MORE ATTRACTIVE TO INVESTORS. THESE CHANGES WERE TESTED THROUGH A SERIES OF SURVEYS AND LABORATORY EXPERIMENTS. REUBEN MCMILLAN FREE LIBRARY ASSOCIATION, YOUNGSTOWN, OH (34-6003201) IN PARTNERSHIP WITH COMMUNITY AGENCIES, THE PUBLIC LIBRARY OF YOUNGSTOWN AND MAHONING COUNTY IS UNDERTAKING A COORDINATED FINANCIAL LITERACY INITIATIVE FOR THE COUNTY'S LOW- AND MODERATE-INCOME FAMILIES, WITH A FOCUS ON EARNED INCOME TAX CREDIT PREPARATION ASSISTANCE AND HELPING PARENTS SAVE AND INVEST FOR THEIR CHILDREN'S EDUCATION. RISE FOUNDATION, INC., MEMPHIS, TN (31-1712061) THE RISE FOUNDATION WILL DELIVER THEIR COMMON CENTS AND MAKING CENTS WORKPLACE FINANCIAL EDUCATION PROGRAMS FOR THE STAFF MEMBERS OF 54 NONPROFIT ORGANIZATIONS THAT PARTNER WITH THE UNITED WAY OF THE MID-SOUTH. THE EDUCATION SERIES BEGINS WITH BASIC MONEY MANAGEMENT INCLUDING BUDGET DEVELOPMENT AND GOAL SETTING AND PRESENTS AN OVERVIEW OF THE CONCEPTS NEEDED TO BUILD PERSONAL WEALTH. RIVERSIDE COUNTY LIBRARY FOUNDATION, RIVERSIDE, CA (52-2127630) RIVERSIDE IS MODELING EASY-TO-REPLICATE FINANCIAL LITERACY PROGRAMS FOR SPECIFIC AUDIENCES; PACKAGING AND SHARING THESE PROGRAMS WITH 28 LIBRARY OUTLETS IN THE SYSTEM; DESIGNING AN INTERGENERATIONAL PROGRAM FOR CHILDREN IN GRADES 3 TO 6 AND THEIR PARENTS; ESTABLISHING A "MORNING COFFEE INVESTMENT CLUB;" CREATING FINANCIAL WORKSHOPS FOR YOUTH AGES 14 TO 18; DELIVERING A SEVEN-PART BASIC INFORMATION SERIES CALLED "MONEY SKILLS FOR LIFE;" AND COUPLING STORY TIME WITH FINANCIAL LITERACY WORKSHOPS FOR PARENTS. SCHAUMBURG TOWNSHIP DISTRICT LIBRARY, SCHAUMBURG, IL FISCAL AGENT - ROTARY CLUB OF SCHAUMBURG-HOFFMAN ESTATES CHARITABLE FOUNDATION, INC. (36-3891070) SCHAUMBURG TOWNSHIP DISTRICT LIBRARY WILL PRODUCE AND MARKET AN INVESTOR EDUCATION WEB PORTAL, INCLUSIVE OF VIDEOS INTRODUCING TEEN AND ADULT PATRONS TO INVESTING-RELATED LIBRARY COLLECTIONS AND REFERENCE SERVICES; AND CREATE A TRAVELING MULTIMEDIA EXHIBIT TO SHARE WITH OTHER ILLINOIS LIBRARIES THAT PROVIDES HIGH-IMPACT VISUAL LESSON ABOUT INVESTING. SETON HALL UNIVERSITY SCHOOL OF LAW, SOUTH ORANGE, 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. STATE LIBRARY OF IOWA, DES MOINES, IA FISCAL AGENT - LYRASIS (23-1365979) THIS GRANT WILL ENABLE A STATEWIDE FINANCIAL LITERACY PROGRAM SERVING 25 RURAL COMMUNITIES. THE STATE LIBRARY WILL PARTNER WITH THE AMES PUBLIC LIBRARY AND IOWA STATE UNIVERSITY EXTENSION TO DELIVER AND REPLICATE ONLINE AND FACE-TO-FACE CLASSES FOR THE PUBLIC, AND TO DESIGN A STATEWIDE MARKETING CAMPAIGN IN SUPPORT OF FINANCIAL EDUCATION. THE LIBRARY FOUNDATION, SERVING THE PEOPLE OF MULTNOMAH COUNTY, PORTLAND, OR (93-1190983) THE LIBRARY WILL PARTNER WITH THE OREGON SOCIETY OF CPAS AND COMMUNITY ORGANIZATIONS TO HELP TWO HIGH-NEED AUDIENCES: "PARENTS AT RISK" (DEFINED AS LOW INCOME AND LOW LITERACY) AND SENIORS SUSCEPTIBLE TO FINANCIAL FRAUD. THE PROJECT WILL PILOT A "ROAD SHOW" MODEL WITH A TEAM THAT VISITS RETIREMENT CENTERS, HEAD START PROGRAMS AND OTHER NONPROFITS TO PROVIDE HANDS-ON LEARNING ON FINANCIAL TOPICS SUCH AS MONEY MANAGEMENT AND ONLINE BANKING. TRUSTEES OF DARTMOUTH COLLEGE, HANOVER, NH (02-0222111) A STUDY OF U.S. FINANCIAL LITERACY: EVIDENCE AND POLICY IMPLICATIONS THE RESEARCH IS ANALYZING NEW AND FORTHCOMING DATA FROM LARGE-SET NATIONAL SURVEYS TO UNDERSTAND BETTER THE RELATIONSHIP BETWEEN FINANCIAL LITERACY AND FINANCIAL WELL-BEING. THE STUDY IS EXAMINING THE LINK BETWEEN FINANCIAL LITERACY AND KEY BEHAVIORS, SUCH AS RETIREMENT PLANNING, WEALTH ACCUMULATION, INVESTING AND MANAGING DEBT. RECOMMENDATIONS WILL FOCUS ON REACHING GROUPS MOST IN NEED OF FINANCIAL EDUCATION AND DESIGNING EFFECTIVE EDUCATIONAL PROGRAMS AND CONSUMER PROTECTION POLICIES.
TRUSTEES OF PRINCETON UNIVERSITY, PRINCETON, NJ (21-0634501)		PITFALLS OF INVESTOR DECISION-MAKING IN SOCIAL INTERACTION CONTEXT PRINCETON UNIVERSITY RESEARCHERS WILL EXAMINE THE IMPACT OF SOCIAL INTERACTIONS WITH FINANCIAL PROFESSIONALS ON INVESTOR DECISION-MAKING. THE GRANT WILL STUDY HOW FINANCIAL PROFESSIONALS MAY EXERT INFLUENCE ON INVESTORS BY (1) USING THE TRAPPINGS OF STATUS AND AUTHORITY, ESPECIALLY PROFESSIONAL DESIGNATIONS, TO GAIN INVESTORS' TRUST; (2) ELICITING MANIC EXUBERANCE FROM INVESTORS BY PROVIDING TOO MUCH INFORMATION TOO FAST; AND (3) PLACING SOCIAL PRESSURE ON INVESTORS. THE GRANT ALSO WILL TEST THE EFFECTIVENESS OF METHODS TO REDUCE THE INFLUENCE OF THESE BIASES. TRUSTEES OF THE LELAND STANFORD JUNIOR UNIVERSITY (94-1156365) INDIVIDUAL DIFFERENCES IN FINANCIAL RISK TAKING ACROSS LIFESPAN AN INTERDISCIPLINARY TEAM HEADQUARTERED AT STANFORD IS EMPLOYING HISTORICAL, PSYCHOLOGICAL AND NEURAL METHODS TO ANALYZE INDIVIDUAL DIFFERENCES IN FINANCIAL RISK-TAKING AT VARIOUS STAGES OF THE LIFE-CYCLE. THE RESEARCH WILL IDENTIFY CHARACTERISTICS THAT PREDICT OPTIMAL RISK-TAKING AND MISTAKES. A RESULTING WEB-BASED TOOL WILL HELP INDIVIDUALS ASSESS THEIR FINANCIAL RISK-TAKING AND OPTIMIZE THEIR FINANCIAL DECISIONS. COMPLETE RESEARCH FINDINGS AND PRESENTATION MATERIALS ARE POSTED IN THE RESOURCE CENTER. 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 CAPITAL AREA, AUSTIN, TX (74-1193439) AS PART OF A LARGER "BANK ON CENTRAL TEXAS" INITIATIVE, THE UNITED WAY CAPITAL AREA (UWCA) WILL PROVIDE GUIDANCE TO EMPLOYERS ON HOW TO IMPLEMENT WORKPLACE FINANCIAL STABILITY STRATEGIES, INCLUDING: DIRECT DEPOSIT; AUTOMATIC SAVINGS THROUGH PAYROLL DEDUCTIONS; A DEFAULT REQUIREMENT TO OPT-OUT OF DEFERRED SAVINGS PLANS; AND EITC OUTREACH. AS THE CENTERPIECE OF THE PROJECT, UWCA WILL PARTNER WITH FOUNDATION COMMUNITIES, A LOCAL NONPROFIT ORGANIZATION, TO ENCOURAGE EMPLOYERS TO OFFER FINANCIAL EDUCATION WORKSHOPS AND ONE-ON-ONE FINANCIAL COACHING TO EMPLOYEES. UNITED WAY OF BUFFALO AND ERIE COUNTY, BUFFALO, NY (16-0743969) UNITED WAY OF BUFFALO AND ERIE COUNTY (UWBEC) COORDINATES THE CASH COALITION-COMPOSED OF MORE THAN 60 ORGANIZATIONS WORKING TOGETHER ON ISSUES OF FINANCIAL STABILITY. IN COOPERATION WITH THE COALITION, THE UWBEC WILL UNDERTAKE A TWO-PRONGED APPROACH TO PROVIDING FINANCIAL EDUCATION AT THE NEIGHBORHOOD AND ORGANIZATIONAL LEVELS. AT THE NEIGHBORHOOD LEVEL, INDIVIDUALS FROM BLOCK CLUBS, FAITH-BASED GROUPS AND COMMUNITY GROUPS WILL BE RECRUITED AND TRAINED TO PROVIDE BASIC FINANCIAL EDUCATION RELATED TO BANKING AND BUDGETING. AT AN ORGANIZATIONAL LEVEL, SELECTED STAFF MEMBERS FROM COOPERATING NONPROFITS WILL BE TRAINED TO FACILITATE MORE IN-DEPTH AND MORE ADVANCED FINANCIAL AND INVESTOR EDUCATION PROGRAMMING. UNITED WAY OF CENTRAL AND NORTHEASTERN CONNECTICUT, HARTFORD, CT (60-0646653) THE UNITED WAY OF CENTRAL AND NORTHEASTERN CONNECTICUT (UWCNCT), IN COOPERATION WITH THE HARTFORD ASSET BUILDING COLLABORATIVE, WILL EXPAND THEIR SUCCESSFUL ONE-ON-ONE BUDGET COACHING PROGRAM TO MEET THE NEEDS OF NEIGHBORHOOD GROUPS, FAITH COMMUNITIES, AND WORKPLACES. UNITED WAY OF CHESTER COUNTY, WEST CHESTER, PA (23-2131877) THE UNITED WAY OF CHESTER COUNTY (UWCC) AND THE CHESTER COUNTY FINANCIAL STABILITY PARTNERSHIP WILL PILOT TEST AN EFFORT TO REACH LOW-AND MODERATE-INCOME WORKING INDIVIDUALS AND FAMILIES THROUGH CHILDCARE PROVIDERS. DURING THE PILOT, FINANCIAL EDUCATION WORKSHOPS AND ONE-ON-ONE COACHING WILL BE OFFERED TO THE FAMILIES AND STAFF OF SEVEN CHILD CARE CENTERS LOCATED IN NEIGHBORHOODS WITH THE LOWEST MEDIAN HOUSEHOLD INCOME IN CHESTER COUNTY. UNITED WAY OF DANE COUNTY, MADISON, WI (39-0817532) IN PARTNERSHIP WITH THE UNIVERSITY OF WISCONSIN, THE UNITED WAY OF DANE COUNTY WILL PILOT A FINANCIAL COACHING PROGRAM FOR LOW-INCOME INDIVIDUALS AND FAMILIES USING THE GROW YOUR GREEN MONEY MANAGEMENT PROGRAM AND WORKBOOK. GROW YOUR GREEN IS A BASIC FINANCIAL EDUCATION PROGRAM DEVELOPED BY EDUCATORS AT THE UNIVERSITY OF WISCONSIN-EXTENSION OF DANE COUNTY. UNITED WAY OF SAN ANTONIO AND BEXAR COUNTY, SAN ANTONIO, TX (74-1272381) THE UNITED WAY OF SAN ANTONIO AND BEXAR COUNTY WILL IMPLEMENT A NEIGHBOR-TO-NEIGHBOR FINANCIAL EDUCATION PROGRAM AND A PUBLIC EDUCATION CAMPAIGN FOR PEOPLE LIVING IN LOW-INCOME NEIGHBORHOODS WITH A HIGH PREPONDERANCE OF ALTERNATIVE SERVICE PROVIDERS. UNITED WAY OF THE MIDLANDS, OMAHA, NE (47-0376605) THE UNITED WAY OF THE MIDLANDS FINANCIAL STABILITY PARTNERSHIP WILL COLLABORATE WITH FOUR LOCAL NONPROFIT ORGANIZATIONS TO OFFER COMPREHENSIVE FINANCIAL EDUCATION TO FAMILIES, PARTICULARLY SINGLE MOTHERS, EARNING LESS THAN 200 PERCENT OF THE FEDERAL POVERTY LEVEL. AMONG OTHER FEATURES, THE GRANT PROGRAM WILL PILOT AN INNOVATIVE, OPEN-SOURCE FINANCIAL MANAGEMENT SOFTWARE SPECIFICALLY CREATED FOR NONPROFIT ORGANIZATIONS AND THEIR CLIENTS. UNIVERSITY OF KENTUCKY / MICHIGAN 4H FOUNDATION, LEXINGTON, KY (38-1539997) IN CONJUNCTION WITH VIRGINIA TECH, MICHIGAN STATE UNIVERSITY, AND THE UNIVERSITY OF TENNESSEE, THE UNIVERSITY OF KENTUCKY IS DEVELOPING AN INVESTMENT CLUB CURRICULUM, LEADERS' MANUAL, AND COMPANION INVESTMENT WEB SITE FOR THE ESTABLISHMENT OF 4-H INVESTMENT CLUBS. IMPLEMENTATION MATERIALS WILL BE AVAILABLE THROUGHOUT THE NATIONAL 4-H NETWORK. THE PROJECT SUPPORTS CLUB LEADERS BY PROVIDING ONGOING FINANCIAL LESSONS AND LEARNING RESOURCES. UNIVERSITY OF TENNESSEE, KNOXVILLE, TN (62-6001636) INVESTOR EDUCATION FOR COLLEGE STUDENTS A COALITION OF FIVE LAND-GRANT UNIVERSITIES LED BY THE UNIVERSITY OF TENNESSEE IS PROVIDING FINANCIAL EDUCATION TO COLLEGE STUDENTS THROUGH A COMBINATION OF ONLINE COURSEWORK AND FACE-TO-FACE INSTRUCTION. THE PROJECT LEVERAGES LEARNING RESOURCES AND MARKETING MATERIALS CREATED WITH AN EARLIER FOUNDATION GRANT, AS WELL AS THE COOPERATIVE EXTENSION SYSTEM'S E-LEARNING PLATFORM (KNOWN AS EXTENSION). DELIVERABLES INCLUDE A RIGOROUS, THIRD-PARTY EVALUATION USING A QUASI-EXPERIMENTAL METHODOLOGY. WOMEN'S INSTITUTE FOR A SECURE RETIREMENT, WASHINGTON, D.C., (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) THE LIBRARY SYSTEM WILL DEVELOP INTERACTIVE, MULTIGENERATIONAL PROGRAMS IN ENGLISH AND SPANISH AT BRANCH LIBRARIES AND FOCUS ON BUILDING FINANCIAL KNOWLEDGE WITHIN YORK COUNTY FAMILIES WITH CHILDREN AGES 5-7.
OTHER CHANGES IN NET ASSETS OR FUND BALANCES	FORM 990, SCHEDULE XI, LINE 5	OTHER CHANGES IN NET ASSETS OR FUND BALANCES PRIMARILY RELATE TO UNREALIZED GAIN/(LOSS) ON INVESTMENTS.
ESTIMATED AVERAGE HOURS PER WEEK	FORM 990, PART VII, COLUMN B - ESTIMATED AVERAGE PER WEEK	THE 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.
INDEPENDENT CONTRACTORS - DESCRIPTION OF SERVICES	FORM 990, PART VII, SECTION B	GMMB, INC. - PROVIDES PUBLIC RELATIONS ASSISTANCE FOR TARGETED 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. US EXPRESS FREIGHT SYSTEMS - PROVIDES MATERIAL FULFILLMENT, INCLUDING WAREHOUSING, DISTRIBUTING AND SHIPPING THE FOUNDATION'S PRINTED MATERIALS ACROSS THE COUNTRY, AND MILITARY BASES AROUND THE WORLD. PHOENIX LITHOGRAPHING - PROVIDES PRINTING SERVICES FOR SAI.ORG COLLATERAL MATERIALS. APPLIED RESEARCH & CONSULTING LLC - PROVIDES CONSULTING AND RESEARCH FOR THE MILITARY FINANCIAL EDUCATION PROJECT, INVESTOR PROTECTION CAMPAIGN, AND THE NATIONAL FINANCIAL CAPABILITY STUDY.

Schedule R IRS990ScheduleR

Form990 Schedule R Part II Form990ScheduleRPartII (3 entries)

Address Line1AddressUS/AddressLine1	CityAddressUS/City	StateAddressUS/State	ZIP CodeAddressUS/ZIPCode	EINEIN	Primary ActivitiesPrimaryActivities	Legal Domicile StateLegalDomicileState	Exempt Code SectionExemptCodeSection	Public Charity StatusPublicCharityStatus	Business Name Line1DirectControllingEntityName/BusinessNameLine1
FINANCIAL IND REGULATORY AUTHORITY INC
1735 K STREET NW	WASHINGTON	DC	20006	530088710	REGULATORY	DE	501(C)(6)	N/A	NA
FINRA REGULATION INC
1735 K STREET NW	WASHINGTON	DC	20006	521959501	REGULATORY	DE	501(C)(6)	N/A	FINRA
FINRA DISPUTE RESOLUTION INC
1735 K STREET NW	WASHINGTON	DC	20006	522187577	ARBITRATION	DE	501(C)(6)	N/A	FINRA

Form990 Schedule R Part IV Form990ScheduleRPartIV (4 entries)

Address Line1AddressUS/AddressLine1	CityAddressUS/City	StateAddressUS/State	ZIP CodeAddressUS/ZIPCode	EINEIN	Primary ActivityPrimaryActivity	Legal Domicile StateLegalDomicileState	Business Name Line1DirectControllingEntityName/BusinessNameLine1	Type Of EntityTypeOfEntity	Share Of Total IncomeShareOfTotalIncome	Share Of EOY AssetsShareOfEOYAssets	Percentage OwnershipPercentageOwnership	Address Line1AddressForeign/AddressLine1	CityAddressForeign/City	CountryAddressForeign/Country	Legal Domicile Foreign CountryLegalDomicileForeignCountry
NEW NASD HOLDING INC
1735 K STREET NW	WASHINGTON	DC	20006	522307595	HOLDING COMPANY	DE	FINRA	C-CORP	0	0	0.00000
SECURITIES DEALERS RISK PURCHASING GROUP
1735 K STREET NW	WASHINGTON	DC	20006	521953595	INSURANCE	DE	FINRA	C-CORP	0	0	0.00000
SECURITIES DEALERS INSURANCE CO
					INSURANCE		FINRA	C-CORP	0	0	0.00000	VICTORIA HALL 11 VICTORIA STREET	HAMILTON, HM11, BERMUDA	BD	BD
FINRA Limited
					INACTIVE		FINRA	C-CORP	0	0	0.00000	35 New Broad Street	London, EC2M 1NH, UNITED KINGDOM	UK	UK

Field	Value	IRS element (for citing)
Receipt Of Int Ann Rents Royalties	false	ReceiptOfIntAnnRentsRoyalties
Gift Grant Or Cap Contr To Other Org	false	GiftGrantOrCapContrToOtherOrg
Gift Grant Or Cap Contr Fr Other Org	false	GiftGrantOrCapContrFrOtherOrg
Loans Or Guarantees To Other Org	false	LoansOrGuaranteesToOtherOrg
Loans Or Guarantees From Other Org	false	LoansOrGuaranteesFromOtherOrg
Sale Of Assets To Other Org	false	SaleOfAssetsToOtherOrg
Purchase Of Assets From Other Org	false	PurchaseOfAssetsFromOtherOrg
Exchange Of Assets	false	ExchangeOfAssets
Rental Of Facilities To Other Orgs	false	RentalOfFacilitiesToOtherOrgs
Rental Of Facilities Fr Other Orgs	false	RentalOfFacilitiesFrOtherOrgs
Perform Of Services For Other Orgs	false	PerformOfServicesForOtherOrgs
Perform Of Services By Other Orgs	false	PerformOfServicesByOtherOrgs
Sharing Of Facilities	true	SharingOfFacilities
Sharing Of Paid Employees	true	SharingOfPaidEmployees
Reimbursement Paid To Other Org	true	ReimbursementPaidToOtherOrg
Reimbursement Paid By Other Org	false	ReimbursementPaidByOtherOrg
Other Transfer To Other Org	false	OtherTransferToOtherOrg
Other Transfer From Other Org	false	OtherTransferFromOtherOrg