TY 2010 Form 990

(A)
Name and Title

(B)
Average hours per week (describe hours for related organizations in Schedule O)

(D)
Reportable compensation from the organization (W- 2/1099-MISC)

(E)
Reportable compensation from related organizations (W- 2/1099-MISC)

(F)
Estimated amount of other compensation from the organization and related organizations

(1) RICHARD G KETCHUM
CHAIRMAN

1.0

2,260,346

349,008

(2) IDALIA P FERNANDEZ
BOARD MEMBER

1.0

(3) BONNIE G HILL
BOARD MEMBER

1.0

(4) DAVID W HUNTER
BOARD MEMBER

1.0

(5) DALLAS L SALISBURY
BOARD MEMBER

1.0

(6) SHARON P SMITH
BOARD MEMBER

1.0

(7) JOHN M GANNON
PRESIDENT

32.0

432,423

79,842

(8) EILEEN M FAMIGLIETTI
TREASURER

5.0

371,736

89,600

(9) MARCIA E ASQUITH
SECRETARY

2.0

588,243

51,325

(A)
Name and Title

(B)
Average hours per week (describe hours for related organizations in Schedule O)

(D)
Reportable compensation from the organization (W- 2/1099-MISC)

(E)
Reportable compensation from related organizations (W- 2/1099-MISC)

(F)
Estimated amount of other compensation from the organization and related organizations

(A) Name and business address	(B) Description of services	(C) Compensation
GMMB INC PO BOX 415312 BOSTON,MA02241	SEE SCHEDULE O	3,594,475
CHANNEL ONE LLC 151 W 26TH STREET NEW YORK,NY10001	SEE SCHEDULE O	640,042
US EXPRESS FREIGHT SYSTEMS 9301 PEPPERCORN PLACE LARGO,MD20774	SEE SCHEDULE O	270,531
PHOENIX LIGHOGRAPHING 11631 CAROLINE ROAD PHILADELPHIA,PA19154	SEE SCHEDULE O	268,996
APPLIED RESEARCH CONSULTING LLC 320 WEST 13TH STREET NEW YORK,NY10014	SEE SCHEDULE O	193,613
2 Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 in compensation from the organization 11

(A)
Name and business address

(B)
Description of services

GMMB INC
PO BOX 415312
BOSTON,MA02241

SEE SCHEDULE O

3,594,475

CHANNEL ONE LLC
151 W 26TH STREET
NEW YORK,NY10001

SEE SCHEDULE O

640,042

US EXPRESS FREIGHT SYSTEMS
9301 PEPPERCORN PLACE
LARGO,MD20774

SEE SCHEDULE O

270,531

PHOENIX LIGHOGRAPHING
11631 CAROLINE ROAD
PHILADELPHIA,PA19154

SEE SCHEDULE O

268,996

APPLIED RESEARCH CONSULTING LLC
320 WEST 13TH STREET
NEW YORK,NY10014

SEE SCHEDULE O

193,613

Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 in compensation from the organization MediumBullet

Do not include amounts reported on lines 6b, 7b, 8b, 9b, and 10b of Part VIII.	(A) Total expenses	(B) Program service expenses	(C) Management and general expenses	(D) Fundraising expenses
1	Grants and other assistance to governments and organizations in the U.S. See Part IV, line 21	5,565,278	5,565,278
2	Grants and other assistance to individuals in the U.S. See Part IV, line 22	0
3	Grants and other assistance to governments, organizations, and individuals outside the U.S. See Part IV, lines 15 and 16	0
4	Benefits paid to or for members	0
5	Compensation of current officers, directors, trustees, and key employees ....	0
6	Compensation not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) ....	0
7	Other salaries and wages	0
8	Pension plan contributions (include section 401(k) and section 403(b) employer contributions) ....	0
9	Other employee benefits .......	0
10	Payroll taxes ...........	0
11	Fees for services (non-employees):
a	Management ......	3,631,090	3,144,315	486,775
b	Legal .........	6,056	0	6,056
c	Accounting ...........	41,750	0	41,750
d	Lobbying ...........	0
e	Professional fundraising. See Part IV, line 17..	0
f	Investment management fees ......	3,900	0	3,900
g	Other ..........	0
12	Advertising and promotion ....	3,307,656	3,255,361	52,295
13	Office expenses .......	260,022	221,778	38,244
14	Information technology ......	4,762	0	4,762
15	Royalties ..	136,690	136,690	0
16	Occupancy ...........	206,980	153,964	53,016
17	Travel ............	147,068	129,500	17,568
18	Payments of travel or entertainment expenses for any federal, state, or local public officials ......	0
19	Conferences, conventions, and meetings ....	329,302	96,752	232,550
20	Interest ...........	0
21	Payments to affiliates .......	0
22	Depreciation, depletion, and amortization .....	0
23	Insurance ..............	0
24	Other expenses. Itemize expenses not covered above. (Expenses grouped together and labeled miscellaneous may not exceed 5% of total expenses shown on line 25 below.)
a	ALL OTHER EXPENSES	4,454	3,061	1,393
b
c
d
e
f	All other expenses
25	Total functional expenses. Add lines 1 through 24f	13,645,008	12,706,699	938,309	0
26	Joint costs. Check here if following SOP 98-2 (ASC 958-720). Complete this line only if the organization reported in column (B) joint costs from a combined educational campaign and fundraising solicitation

Do not include amounts reported on lines 6b,
7b, 8b, 9b, and 10b of Part VIII.

(A)
Total expenses

(B)
Program service expenses

(D)
Fundraising expenses

Grants and other assistance to governments and organizations in the U.S. See Part IV, line 21

5,565,278

Grants and other assistance to individuals in the U.S. See Part IV, line 22

Grants and other assistance to governments, organizations, and individuals outside the U.S. See Part IV, lines 15 and 16

Benefits paid to or for members

Compensation of current officers, directors, trustees, and key employees ....

Compensation not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) ....

Other salaries and wages

Pension plan contributions (include section 401(k) and section 403(b) employer contributions) ....

Other employee benefits .......

Payroll taxes ...........

Fees for services (non-employees):

Management ......

3,631,090

3,144,315

486,775

Legal .........

6,056

Accounting ...........

41,750

Lobbying ...........

Professional fundraising. See Part IV, line 17..

Investment management fees ......

3,900

Other ..........

Advertising and promotion ....

3,307,656

3,255,361

52,295

Office expenses .......

260,022

221,778

38,244

Information technology ......

4,762

Royalties ..

136,690

Occupancy ...........

206,980

153,964

53,016

Travel ............

147,068

129,500

17,568

Payments of travel or entertainment expenses for any federal, state, or local public officials ......

Conferences, conventions, and meetings ....

329,302

96,752

232,550

Interest ...........

Payments to affiliates .......

Depreciation, depletion, and amortization .....

Insurance ..............

Other expenses. Itemize expenses not covered above. (Expenses grouped together and labeled miscellaneous may not exceed 5% of total expenses shown on line 25 below.)

ALL OTHER EXPENSES

4,454

3,061

1,393

All other expenses

Total functional expenses. Add lines 1 through 24f

13,645,008

12,706,699

938,309

Joint costs. Check here MediumBullet

if following
SOP 98-2 (ASC 958-720). Complete this line only if the organization reported in column (B) joint costs from a combined educational campaign and fundraising solicitation

Part X Balance Sheet
	1	Cashnon-interest-bearing ..........	1,045,472	1	4,125,762
2	Savings and temporary cash investments .......	44,415,458	2	34,614,851
3	Pledges and grants receivable, net .........		3
4	Accounts receivable, net .........	115,158	4	0
5	Receivables from current and former officers, directors, trustees, key employees, and highest compensated employees. Complete Part II of
	Schedule L ..........		5
6	Receivables from other disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B). Complete Part II of
	Schedule L ..........		6
7	Notes and loans receivable, net .............		7
8	Inventories for sale or use ..............		8
9	Prepaid expenses and deferred charges ............	181,663	9	305,298
10a	Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D	10a
b	Less: accumulated depreciation. .....	10b			10c
11	Investments—publicly traded securities ..........	28,170,522	11	25,483,802
12	Investments—other securities. See Part IV, line 11 ......		12
13	Investments—program-related. See Part IV, line 11 ..		13
14	Intangible assets .........		14
15	Other assets. See Part IV, line 11 ...........	14,771	15	0
16	Total assets. Add lines 1 through 15 (must equal line 34)...	73,943,044	16	64,529,713
	17	Accounts payable and accrued expenses .	658,046	17	597,067
18	Grants payable ..........	519,044	18	75,928
19	Deferred revenue ..........		19
20	Tax-exempt bond liabilities ..........		20
21	Escrow or custodial account liability. Complete Part IV of Schedule D..		21
22	Payables to current and former officers, directors, trustees, key employees, highest compensated employees, and disqualified
	persons. Complete Part II of Schedule L..........		22
23	Secured mortgages and notes payable to unrelated third parties ..		23
24	Unsecured notes and loans payable to unrelated third parties ....		24
25	Other liabilities. Complete Part X of Schedule D.....	347	25	2,920,812
26	Total liabilities. Add lines 17 through 25.....	1,177,437	26	3,593,807
		Organizations that follow SFAS 117, check here and complete lines 27 through 29, and lines 33 and 34.
27	Unrestricted net assets .....	72,765,607	27	60,935,906
28	Temporarily restricted net assets .....		28
29	Permanently restricted net assets .....		29
	Organizations that do not follow SFAS 117, check here and complete lines 30 through 34.
30	Capital stock or trust principal, or current funds .....		30
31	Paid-in or capital surplus, or land, building or equipment fund .....		31
32	Retained earnings, endowment, accumulated income, or other funds		32
33	Total net assets or fund balances .....	72,765,607	33	60,935,906
34	Total liabilities and net assets/fund balances .....	73,943,044	34	64,529,713

Part X Balance Sheet

(A)
Beginning of year

(B)
End of year

Cashnon-interest-bearing ..........

1,045,472

4,125,762

Savings and temporary cash investments .......

44,415,458

34,614,851

Pledges and grants receivable, net .........

Accounts receivable, net .........

115,158

Receivables from current and former officers, directors, trustees, key employees, and highest compensated employees. Complete Part II of

Schedule L ..........

Receivables from other disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B). Complete Part II of

Schedule L ..........

Notes and loans receivable, net .............

Inventories for sale or use ..............

Prepaid expenses and deferred charges ............

181,663

305,298

10a

Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D

10a

Less: accumulated depreciation. .....

10b

10c

Investments—publicly traded securities ..........

28,170,522

25,483,802

Investments—other securities. See Part IV, line 11 ......

Investments—program-related. See Part IV, line 11 ..

Intangible assets .........

Other assets. See Part IV, line 11 ...........

14,771

Total assets. Add lines 1 through 15 (must equal line 34)...

73,943,044

64,529,713

Accounts payable and accrued expenses .

658,046

597,067

Grants payable ..........

519,044

75,928

Deferred revenue ..........

Tax-exempt bond liabilities ..........

Escrow or custodial account liability. Complete Part IV of Schedule D..

Payables to current and former officers, directors, trustees, key
employees, highest compensated employees, and disqualified

persons. Complete Part II of Schedule L..........

Secured mortgages and notes payable to unrelated third parties ..

Unsecured notes and loans payable to unrelated third parties ....

Other liabilities. Complete Part X of Schedule D.....

347

2,920,812

Total liabilities. Add lines 17 through 25.....

1,177,437

3,593,807

Organizations that follow SFAS 117, check here MediumBullet

and complete lines 27 through 29, and lines 33 and 34.

Unrestricted net assets .....

72,765,607

60,935,906

Temporarily restricted net assets .....

Permanently restricted net assets .....

Organizations that do not follow SFAS 117, check here MediumBullet

and complete lines 30 through 34.

Capital stock or trust principal, or current funds .....

Paid-in or capital surplus, or land, building or equipment fund .....

Retained earnings, endowment, accumulated income, or other funds

Total net assets or fund balances .....

72,765,607

60,935,906

Total liabilities and net assets/fund balances .....

73,943,044

64,529,713

	(a) Donor advised funds	(b) Funds and other accounts
1	Total number at end of year .......
2	Aggregate contributions to (during year) ...
3	Aggregate grants from (during year) ...
4	Aggregate value at end of year .......


a	Total number of conservation easements .......................	2a
b	Total acreage restricted by conservation easements ..................	2b
c	Number of conservation easements on a certified historic structure included in (a) .....	2c
d	Number of conservation easements included in (c) acquired after 8/17/06 ........	2d

		Amount
c	Beginning balance .................................	1c
d	Additions during the year ..............................	1d
e	Distributions during the year .............................	1e
f	Ending balance ...................................	1f

Part XI Reconciliation of Change in Net Assets from Form 990 to Financial Statements
1	Total revenue (Form 990, Part VIII, column (A), line 12) ....................	1	1,603,571
2	Total expenses (Form 990, Part IX, column (A), line 25) .....................	2	13,645,008
3	Excess or (deficit) for the year. Subtract line 2 from line 1 .............	3	-12,041,437
4	Net unrealized gains (losses) on investments ..........................	4
5	Donated services and use of facilities .............................	5
6	Investment expenses ...................................	6
7	Prior period adjustments ..................................	7
8	Other (Describe in Part XIV) .................................	8	211,736
9	Total adjustments (net). Add lines 4 - 8 .............................	9	211,736
10	Excess or (deficit) for the year per financial statements. Combine lines 3 and 9 .........	10	-11,829,701

Part XII Reconciliation of Revenue per Audited Financial Statements With Revenue per Return
1	Total revenue, gains, and other support per audited financial statements .......	1	5,137,374
2	Amounts included on line 1 but not on Form 990, Part VIII, line 12:
a	Net unrealized gains on investments ..........	2a	211,736
b	Donated services and use of facilities .........	2b	3,322,067
c	Recoveries of prior year grants ...........	2c
d	Other (Describe in Part XIV): ............	2d
e	Add lines 2a through 2d .....................	2e	3,533,803
3	Subtract line 2e from line 1.....................	3	1,603,571
4	Amounts included on Form 990, Part VIII, line 12, but not on line 1:
a	Investment expenses not included on Form 990, Part VIII, line 7b .	4a
b	Other (Describe in Part XIV): ...........	4b
c	Add lines 4a and 4b.......................	4c
5	Total Revenue. Add lines 3 and 4c. (This should equal Form 990, Part I, line 12.) ......	5	1,603,571

Part XIII Reconciliation of Expenses per Audited Financial Statements With Expenses per Return
1	Total expenses and losses per audited financial statements .............	1	16,967,075
2	Amounts included on line 1 but not on Form 990, Part IX, line 25:
a	Donated services and use of facilities ..........	2a	3,322,067
b	Prior year adjustments ..............	2b
c	Other losses ................	2c
d	Other (Describe in Part XIV): ............	2d
e	Add lines 2a through 2d......................	2e	3,322,067
3	Subtract line 2e from line 1.....................	3	13,645,008
4	Amounts included on Form 990, Part IX, line 25, but not on line 1:
a	Investment expenses not included on Form 990, Part VIII, line 7b ..	4a
b	Other (Describe in Part XIV): ............	4b
c	Add lines 4a and 4b.......................	4c
5	Total expenses. Add lines 3 and 4c. (This should equal Form 990, Part I, line 18.) ......	5	13,645,008

Identifier	Return Reference	Explanation
PART XI, LINE 8		CHANGE IN MARKET VALUE

- TIN:

Schedule I
(Form 990)

Department of the Treasury
Internal Revenue Service

Grants and Other Assistance to Organizations,
Governments and Individuals in the United States

Complete if the organization answered "Yes," to Form 990, Part IV, line 21 or 22.
lBullet

Attach to Form 990

OMB No. 1545-0047

2010

Open to Public
Inspection

Name of the organization
FINRA INVESTOR EDUCATION FOUNDATION

Employer identification number
20-0863779

Part I

General Information on Grants and Assistance

Does the organization maintain records to substantiate the amount of the grants or assistance, the grantees' eligibility for the grants or assistance, and
the selection criteria used to award the grants or assistance? ....................................

Yes No

Describe in Part IV the organization's procedures for monitoring the use of grant funds in the United States.

Part II

Grants and Other Assistance to Governments and Organizations in the United States. Complete if the organization answered "Yes" to
Form 990, Part IV, line 21 for any recipient that received more than $5,000. Check this box if no one recipient received more than $5,000. Use
Part IV and Schedule I-1 (Form 990) if additional space is needed ......................... lBullet

(a) Name and address of organization or government	(b) EIN	(c) IRC Code section if applicable	(d) Amount of cash grant	(h) Purpose of grant or assistance
(1) AFSCME TRAINING AND EDUCATION INSTITUTE1625 L STREET NW WASHINGTON,DC20036	52-1148573	501(C)(3)	64,392	SEE SCHEDULE O
(2) ALBANY PUBLIC LIBRARY161 WASHINGTON AVENUE ALBANY,NY12210	32-0034205	501(C)(3)	55,055	SEE SCHEDULE O
(3) ALLIANCE LIBRARY SYSTEM6725 GOSHEN ROAD EDWARDSVILLE,IL620257708	37-1266451	501(C)(3)	100,000	SEE SCHEDULE O
(4) AMERICAN CREDIT ALLIANCE2 S DELMORR AVENUE MORRISVILLE,PA19067	22-3183518	501(C)(3)	15,350	SEE SCHEDULE O
(5) AMERICAN PUBLIC MEDIA480 CEDAR STREET ST PAUL,MN55101	41-0953924	501(C)(3)	142,231	SEE SCHEDULE O
(6) APPALACHIAN COMMUNITY ENTERPRISES3173 HIGHWAY 129 NORTH CLEVELAND,GA30528	58-2383669	501(C)(3)	51,755	SEE SCHEDULE O
(7) ARIZONA STATE UNIVERSITY FOUNDATION300 EAST UNIVERSITY DRIVE TEMPE,AZ85281	86-6051042	501(C)(3)	70,500	SEE SCHEDULE O
(8) ASPIRA ASSOCIATION - COMMUNITY AWARENESS1444 EYE ST NW WASHINGTON,DC20005	13-2627568	501(C)(3)	358,169	SEE SCHEDULE O
(9) ASSOCIATION FOR FINANCIAL COUNSELING AND PLANNING1940 DUKE STREET ALEXANDRIA,VA22314	34-2017326	501(C)(3)	44,141	SEE SCHEDULE O
(10) ATHENS-CLARKE COUNTY LIBRARY ENDOWMENT FUND2025 BAXTER STREET ATHENS,GA30606	58-2200588	501(C)(3)	47,255	SEE SCHEDULE O
(11) BARUCH COLLEGEONE BERNARD BARUCH WAY BOX B2-150 NEW YORK,NY10010	13-1988190	501(C)(3)	16,916	SEE SCHEDULE O
(12) BROOKLYN PUBLIC LIBRARY10 GRAND ARMY PLAZA BROOKLYN,NY11238	11-1904261	501(C)(3)	95,480	SEE SCHEDULE O
(13) CHESAPEAKE PUBLIC LIBRARY FOUNDATION298 CEDAR ROAD CHESAPEAKE,VA23322	54-1839433	501(C)(3)	50,000	SEE SCHEDULE O
(14) COASTAL COALITION FOR CHILDREN INC2311 HERON STREET BRUNSWICK,GA31520	58-1497814	501(C)(3)	72,779	SEE SCHEDULE O
(15) COLLEGE OF WILLIAM & MARY314 JAMESTOWN ROAD WILLIAMSBURG,VA23185	54-6001718	115(a)	17,383	SEE SCHEDULE O
(16) COMMUNITY TELEVISION FOUNDATION OF SOUTH FLORIDA14901 NE 20 AVENUE MIAMI,FL33181	59-0737868	501(C)(3)	261,444	SEE SCHEDULE O
(17) CUYAHOGA COUNTY PUBLIC LIBRARY2111 SNOW ROAD PARMA,OH44134	34-6000819	501(C)(3)	49,500	SEE SCHEDULE O
(18) DREXEL UNIVERSITY OFFICE OF RESEARCH3201 ARCH STREET PHILADELPHIA,PA19104	23-1352630	501(C)(3)	144,869	SEE SCHEDULE O
(19) DURHAM LIBRARY FOUNDATIONPO BOX 3809 DURHAM,NC27702	56-2189129	501(C)(3)	49,840	SEE SCHEDULE O
(20) EXTENSION FOUNDATIONPO BOX 830918 LINCOLN,NE68583	20-4781422	501(C)(3)	89,901	SEE SCHEDULE O
(21) FLORIDA INTERNATIONAL UNIVERSITY COLLEGE OF LAWUNIVERSITY PARK MARC430 MIAMI,FL33199	65-0177616	115 (A)	100,000	SEE SCHEDULE O
(22) FLORIDA STATE UNIVERSITY RESEARCH FOUNDATION97 S WOODWARD AVE TALLAHASSEE,FL32306	59-3211153	501(C)(3)	68,301	SEE SCHEDULE O
(23) FOUR BANDS COMMUNITY FUNDPO BOX 932 101 S MAIN STREET EAGLE BUTTE,SD57625	46-0456528	501(C)(3)	25,000	SEE SCHEDULE O
(24) FRIENDS OF THE BOLIVAR COUNTY LIBRARY SYSTEM104 SOUTH LEFLORE AVE CLEVELAND,MS38732	51-0161498	501(C)(3)	16,750	SEE SCHEDULE O
(25) FRIENDS OF THE FARGO PUBLIC LIBRARYPO BOX 1365 FARGO,ND58103	45-0440375	501(C)(3)	26,500	SEE SCHEDULE O
(26) FRIENDS OF THE FOND DU LAC PUBLIC LIBRARY32 SHEBOYGAN STREET FON DU LAC,WI54935	39-1627883	501(C)(3)	26,263	SEE SCHEDULE O
(27) FRIENDS OF THE LEWISTON LIBRARY INC428 THAIN ROAD LEWISTON,ID83501	30-0127427	501(C)(3)	44,743	SEE SCHEDULE O
(28) FRIENDS OF THE LOVELAND PUBLIC LIBRARY300 N ADAMS AVENUE LOVELAND,CO80537	84-1424591	501(C)(3)	15,944	SEE SCHEDULE O
(29) FRIENDS OF THE NEWTON FREE LIBRARY30 HOMER STREET NEWTON,MA02459	04-6001404	501(C)(3)	40,906	SEE SCHEDULE O
(30) FRIENDS OF THE VIRGINIA BEACH PUBLIC LIBRARY4100 VIRGINIA BEACH BLVD VIRGINIA BEACH,VA23452	54-1064465	501(C)(3)	25,953	SEE SCHEDULE O
(31) GLENDALE PUBLIC LIBRARY1405 EAST MCDOWELL ROAD SUITE 100 PHOENIX,AZ85006	51-0152395	501(C)(3)	40,610	SEE SCHEDULE O
(32) GREENSBORO PUBLIC LIBRARY FOUNDATION219 N CHURCH STREET GREENSBORO,NC27401	56-2037761	501(C)(3)	48,250	SEE SCHEDULE O
(33) HOUSTON PUBLIC LIBRARY FOUNDATION500 MCKINNEY HOUSTON,TX77002	74-1926301	501(C)(3)	99,000	SEE SCHEDULE O
(34) HOWARD UNIVERSITY SCHOOL OF LAW2400 SIXTH ST NW WASHINGTON,DC20059	53-0204707	501(C)(3)	100,000	SEE SCHEDULE O
(35) JACKSONVILLE PUBLIC LIBRARIES FOUNDATION INC303 NORTH LAURA ST ROOM 334 JACKSONVILLE,FL32202	59-2836110	501(C)(3)	50,000	SEE SCHEDULE O
(36) LIBRARIES OF EASTERN OREGONPO BOX 11 MORO,OR97037	93-1280400	501(C)(3)	49,088	SEE SCHEDULE O
(37) LOS ANGELES PUBLIC LIBRARY630 WEST 5TH STREET LOS ANGELES,CA90071	95-4368250	501(C)(3)	50,000	SEE SCHEDULE O
(38) LOUISIANA STATE UNIVERSITYOFFICE OF ACCOUNTING SVCS BATON ROUGE,LA20803	72-6000848	501(C)(3)	14,898	SEE SCHEDULE O
(39) MILWAUKEE PUBLIC LIBRARY FOUNDATION814 WEST WISCONSIN AVE MILWAUKEE,WI53233	39-1610233	501(C)(3)	49,500	SEE SCHEDULE O
(40) NATIONAL COUNCIL ON AGING1901 L STREET NW WASHINGTON,DC20036	13-1932384	501(C)(3)	188,316	SEE SCHEDULE O
(41) NATIONAL COUNCIL ON ECONOMIC EDUCATION122 EAST 42ND STREET SUITE 2600 NEW YORK,NY10168	13-1623848	501(C)(3)	412,687	SEE SCHEDULE O
(42) NATIONAL LABOR COLLEGE10000 NEW HAMPSHIRE AVE SILVER SPRING,MD20902	52-0895834	501(C)(3)	123,607	SEE SCHEDULE O
(43) NEW HAVEN FREE PUBLIC LIBRARY133 ELM STREET NEW HAVEN,CT06510	06-1283798	501(C)(3)	39,182	SEE SCHEDULE O
(44) NORTH CAROLINA STATE UNIVERSITY2701 SULLIVAN DRIVE RALEIGH,NC27695	56-6000756	115 (A)	90,876	SEE SCHEDULE O
(45) NORTH CAROLINA STATE UNIVERSITY (BRAZEL)PO BOX 7214 RALEIGH,NC27695	56-6000756	115 (A)	163,119	SEE SCHEDULE O
(46) NORTH CAROLINA STATE UNIVERSITY (CLARK)2701 SULLIVAN DRIVE RALEIGH,NC27695	56-6000756	115 (A)	58,015	SEE SCHEDULE O
(47) OHIO STATE UNIVERSITY RESEARCH FOUNDATION1960 KENNY ROAD COLUMBUS,OH43210	31-6401599	501(C)(3)	46,402	SEE SCHEDULE O
(48) PEPPERDINE UNIVERSITY SCHOOL OF LAW24255 PACIFIC COAST HWY MALIBU,CA90263	95-1644037	501(C)(3)	100,000	SEE SCHEDULE O
(49) PIONEER LIBRARY SYSTEM225 N WEBSTER NORMAN,OK73069	73-6081619	501(C)(3)	39,357	SEE SCHEDULE O
(50) QUEENS LIBRARY FOUNDATION8911 MERRICK BOULEVARD JAMAICA,NY11432	11-3009405	501(C)(3)	100,000	SEE SCHEDULE O
(51) REGENTS OF THE UNIVERSITY OF CALIFORNIA LOS ANGELE10920 WILSHIRE BLVD LOS ANGELES,CA90024	95-6006143	115(A)	48,400	SEE SCHEDULE O
(52) REUBEN MCMILLAN FREE LIBRARY ASSOCIATION305 WICK AVENUE YOUNGSTOWN,OH44503	34-6003201	501(C)(3)	47,551	SEE SCHEDULE O
(53) RISE FOUNDATION INC22 NORTH FRONT STREET MEMPHIS,TN38103	31-1712061	501(C)(3)	72,493	SEE SCHEDULE O
(54) RIVERSIDE COUNTY LIBRARY FOUNDATION3392A DURAHART STREET RIVERSIDE,CA92507	52-2127630	501(C)(3)	31,762	SEE SCHEDULE O
(55) SCHAUMBURG COUNTY DISTRICT LIBRARY130 S ROSELLE SCHAUMBURG,IL60193	36-3891070	501(C)(3)	43,500	SEE SCHEDULE O
(56) SETON HALL UNIVERSITY SCHOOL OF LAW400 SO ORANGE AVE SOUTH ORANGE,NJ07079	22-1500645	501(C)(3)	100,000	SEE SCHEDULE O
(57) STATE LIBRARY OF IOWA - LYRASIS100 N 20TH STREET SUITE 302 PHILADELPHIA,PA19103	23-1365979	501(C)(3)	98,251	SEE SCHEDULE O
(58) THE LIBRARY FOUNDATION SERVING THE PEOPLE OF MULT620 SW FIFTH AVENUE SUITE 1025 PORTLAND,OR97204	93-1190983	501(C)(3)	50,000	SEE SCHEDULE O
(59) TRUSTEES OF DARTMOUTH COLLEGE11 ROPE FERRY ROAD HANOVER,NH03755	02-0222111	501(C)(3)	24,359	SEE SCHEDULE O
(60) TRUSTEES OF PRINCETON UNIVERSITY4 NEW SOUTH PRINCETON,NJ08544	21-0634501	501(C)(3)	22,204	SEE SCHEDULE O
(61) TRUSTEES OF THE LELAND STANFORD JUNIOR UNIVERSITY651 SERRA STREET PO BOX 44253 STANFORD,CA941444253	94-1156365	501(C)(3)	50,466	SEE SCHEDULE O
(62) UNITED NEGRO COLLEGE FUND SPECIAL PROGRAMS CORPORA6402 ARLINGTON BLV SUITE 600 FALLS CHURCH,VA22042	54-1980487	501(C)(3)	173,202	SEE SCHEDULE O
(63) UNITED WAY OF THE CAPITAL AREA2000 E MLK JR BLVD AUSTIN,TX78702	74-1193439	501(C)(3)	75,000	SEE SCHEDULE O
(64) UNITED WAY OF BUFFALO AND ERIE COUNTY742 DELAWARE AVENUE BUFFALO,NY14209	16-0743969	501(C)(3)	75,000	SEE SCHEDULE O
(65) UNITED WAY OF CENTRAL AND NORTHEASTERN CONNECTICUT30 LAUREL STREET HARTFORD,CT06106	60-0646653	501(C)(3)	75,000	SEE SCHEDULE O
(66) UNITED WAY OF CHESTER COUNTY211 N WALNUT STREET WESTCHESTER,PA19380	23-2131877	501(C)(3)	38,586	SEE SCHEDULE O
(67) UNITED WAY OF DANE COUNTY2059 ATWOOD AVENUE PO BOX 7548 MADISON,WI53707	39-0817532	501(C)(3)	75,000	SEE SCHEDULE O
(68) UNITED WAY OF SAN ANTONIO AND BEXAR COUNTY700 S ALAMO STREET SAN ANTONIO,TX78205	74-1272381	501(C)(3)	56,250	SEE SCHEDULE O
(69) UNITED WAY OF THE MIDLANDS1805 HARNEY STREET OMAHA,NE68102	47-0376605	501(C)(3)	60,836	SEE SCHEDULE O
(70) UNIVERSITY OF KENTUCKY MICHIGAN 4H FOUNDATION201 SPARTAN WAY EAST LANSING,MI48824	38-1539997	501(C)(3)	20,000	SEE SCHEDULE O
(71) UNIVERSITY OF TENNESSEE121 MORGAN HILL KNOXVILLE,TN37996	62-6001636	501(C)(3)	204,204	SEE SCHEDULE O
(72) WOMEN'S INSTITUTE FOR A SECURE RETIREMENT1146 19TH STREET NW WASHINGTON,DC20036	52-1997317	501(C)(3)	51,240	SEE SCHEDULE O
(73) YORK COUNTY LIBRARY SYSTEM159 EAST MARKET STREET YORK,PA17401	23-7394108	501(C)(3)	21,753	SEE SCHEDULE O

Enter total number of section 501(c)(3) and government organizations ......................... Bullet Image

Enter total number of other organizations ................................ . Bullet Image

For Privacy Act and Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50055P

Schedule I (Form 990) 2010

Page 2

Part III

Grants and Other Assistance to Individuals in the United States. Complete if the organization answered "Yes" to Form 990, Part IV, line 22.
Use Schedule I-1 (Form 990) if additional space is needed.

(a)Type of grant or assistance	(b)Number of recipients	(c)Amount of cash grant	(d)Amount of non-cash assistance	(e)Method of valuation (book, FMV, appraisal, other)	(f)Description of non-cash assistance

Part IV

Supplemental Information. Complete this part to provide the information required in Part I, line 2, and any other additional information.

Identifier	Return Reference	Explanation
FORM 990, SCHEDULE I	DESCRIPTION OF ORGANIZATION'S PROCEDURES FOR MONITORING THE USE OF GRANTS	FOLLOWING APPROVAL OF A GRANT APPLICATION BY THE BOARD OF DIRECTORS, THE FOUNDATION EXECUTES A GRANT AGREEMENT WITH THE APPLICANT. THIS AGREEMENT SPECIFIES THE TERMS AND CONDITIONS OF THE GRANT, AS WELL AS THE REPORTING AND PAYMENT SCHEDULE. GRANTS ARE DISBURSED IN INSTALLMENTS KEYED TO THE SUBMISSION OF NARRATIVE AND FINANCIAL PROGRESS REPORTS AND THE COMPLETION OF DELIVERABLES, WHICH ARE REVIEWED BY THE FOUNDATION TO ENSURE QUALITY AND COMPLIANCE WITH THE GRANT AGREEMENT. AT ITS DISCRETION, THE FOUNDATION MAY 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.

Schedule I (Form 990) 2010

Additional Data

Software ID:
Software Version:

Identifier	Return Reference	Explanation
Supplemental Compensation Information	SCHEDULE J, PART I, LINE 4B	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.

- TIN:

SCHEDULE O
(Form 990 or 990-EZ)

Department of the Treasury
Internal Revenue Service

Supplemental Information to Form 990 or 990-EZ

Complete to provide information for responses to specific questions on
Form 990 or to provide any additional information.
MediumBullet

Attach to Form 990 or 990-EZ.

OMB No. 1545-0047

2010

Open to Public
Inspection

Name of the organization

FINRA INVESTOR EDUCATION FOUNDATION

Employer identification number

20-0863779

Identifier	Return Reference	Explanation
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.

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.

Cat. No. 51056K

Schedule O (Form 990 or 990-EZ) 2010

Additional Data

Software ID:
Software Version:

(a)
Name, address, and EIN of disregarded entity

(b)
Primary activity

(d)
Total income

(e)
End-of-year assets

(f)
Direct controlling
entity

(a)
Name, address, and EIN of related organization

(b)
Primary activity

(d)
Exempt Code section

(e)
Public charity status
(if section 501(c)(3))

(f)
Direct controlling
entity

(g)
Section 512(b)(13) controlled organization

Yes

(1) FINANCIAL IND REGULATORY AUTHORITY INC

1735 K STREET NW

WASHINGTON,DC20006
53-0088710

REGULATORY

501(C)(6)

N/A

(2) FINRA REGULATION INC

1735 K STREET NW

WASHINGTON,DC20006
52-1959501

REGULATORY

501(C)(6)

N/A

FINRA

(3) FINRA DISPUTE RESOLUTION INC

1735 K STREET NW

WASHINGTON,DC20006
52-2187577

ARBITRATION

501(C)(6)

N/A

FINRA

(a)
Name, address, and EIN of
related organization

(b)
Primary activity

(d)
Direct controlling
entity

(e)
Predominant income(related, unrelated, excluded from tax under sections 512-514)

(f)
Share of total income

(g)
Share of end-of-year
assets

(h)
Disproprtionate allocations?

(i)
Code VUBI
amount in box 20 of
Schedule K-1
(Form 1065)

(j)
General or
managing
partner?

(k)
Percentage
ownership

Yes

(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity	(e) Type of entity (C corp, S corp, or trust)	(f) Share of total income	(g) Share of end-of-year assets	(h) Percentage ownership
(1) NEW NASD HOLDING INC 1735 K STREET NW WASHINGTON,DC20006 52-2307595	HOLDING COMPANY	DE	FINRA	C-CORP	0	0	0 %
(2) SECURITIES DEALERS RISK PURCHASING GROUP 1735 K STREET NW WASHINGTON,DC20006 52-1953595	INSURANCE	DE	FINRA	C-CORP	0	0	0 %
(3) SECURITIES DEALERS INSURANCE CO VICTORIA HALL 11 VICTORIA STREET HAMILTON, HM11, BERMUDA BD	INSURANCE	BD	FINRA	C-CORP	0	0	0 %
(4) FINRA Limited 35 New Broad Street London, EC2M 1NH, UNITED KINGDOM UK	INACTIVE	UK	FINRA	C-CORP	0	0	0 %

(a)
Name, address, and EIN of related organization

(b)
Primary activity

(d)
Direct controlling
entity

(e)
Type of entity
(C corp, S corp,
or trust)

(f)
Share of total income

(g)
Share of
end-of-year
assets

(h)
Percentage
ownership

(1) NEW NASD HOLDING INC
1735 K STREET NW
WASHINGTON,DC20006
52-2307595

HOLDING COMPANY

FINRA

C-CORP

0 %

(2) SECURITIES DEALERS RISK PURCHASING GROUP
1735 K STREET NW
WASHINGTON,DC20006
52-1953595

INSURANCE

FINRA

C-CORP

0 %

(3) SECURITIES DEALERS INSURANCE CO

VICTORIA HALL 11 VICTORIA STREET
HAMILTON, HM11, BERMUDA
BD

INSURANCE

FINRA

C-CORP

0 %

(4) FINRA Limited

35 New Broad Street
London, EC2M 1NH, UNITED KINGDOM
UK

INACTIVE

FINRA

C-CORP

0 %

(a)
Name of other organization

(b)
Transaction
type(a-r)

(d)
Method of determining amount involved

(1)

(2)

(3)

(4)

(5)

(6)

(a)
Name, address, and EIN of entity

(b)
Primary activity

(d)
Are all
partners
section
501(c)(3)
organizations?

(e)
Share of
end-of-year
assets

(f)
Disproprtionate allocations?

(g)
Code VUBI
amount in box
20 of Schedule K-1
(Form 1065)

(h)
General or
managing
partner?

Yes

1	Briefly describe the organization’s mission or most significant activities: 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.
2	Check this box
3	Number of voting members of the governing body (Part VI, line 1a) ....	3	6
4	Number of independent voting members of the governing body (Part VI, line 1b) ....	4	5
5	Total number of individuals employed in calendar year 2010 (Part V, line 2a) ...	5	0
6	Total number of volunteers (estimate if necessary) ....	6	5
7a	Total unrelated business revenue from Part VIII, column (C), line 12 ..	7a	0
b	Net unrelated business taxable income from Form 990-T, line 34 ..	7b	0

		Prior Year	Current Year
8	Contributions and grants (Part VIII, line 1h) .........	5,000,000	0
9	Program service revenue (Part VIII, line 2g) .........	0	0
10	Investment income (Part VIII, column (A), lines 3, 4, and 7d ) ....	1,274,751	1,603,571
11	Other revenue (Part VIII, column (A), lines 5, 6d, 8c, 9c, 10c, and 11e)	0	0
12	Total revenue—add lines 8 through 11 (must equal Part VIII, column (A), line 12)...................	6,274,751	1,603,571
13	Grants and similar amounts paid (Part IX, column (A), lines 1–3 )...	3,841,529	5,565,278
14	Benefits paid to or for members (Part IX, column (A), line 4) ....	0	0
15	Salaries, other compensation, employee benefits (Part IX, column (A), lines 5–10)	0	0
16a	Professional fundraising fees (Part IX, column (A), line 11e)....	0	0
b	Total fundraising expenses (Part IX, column (D), line 25) 0
17	Other expenses (Part IX, column (A), lines 11a–11d, 11f–24f)....	7,340,946	8,079,730
18	Total expenses. Add lines 13–17 (must equal Part IX, column (A), line 25)	11,182,475	13,645,008
19	Revenue less expenses. Subtract line 18 from line 12......	-4,907,724	-12,041,437
		Beginning of Current Year	End of Year
20	Total assets (Part X, line 16)............	73,943,044	64,529,713
21	Total liabilities (Part X, line 26)............	1,177,437	3,593,807
22	Net assets or fund balances. Subtract line 21 from line 20 .....	72,765,607	60,935,906

Sign Here

	Signature of officer	Date

	Type or print name and title.

Paid Preparer's Use Only	Preparer's signature	Date	Check if self- employed	Preparer’s taxpayer identification number (see instructions)
	Firm’s name (or yours if self-employed), address, and ZIP + 4			EIN
				Phone no.


4a	(Code: ) (Expenses $ 5,565,278 including grants of $ 5,565,278 ) (Revenue $ )
	GRANT PROGRAM - SEE SCHEDULE O

4b	(Code: ) (Expenses $ 3,338,098 including grants of $ ) (Revenue $ )
	INVESTOR PROTECTION CAMPAIGN - SEE SCHEDULE O

4c	(Code: ) (Expenses $ 2,870,601 including grants of $ ) (Revenue $ )
	MILITARY FINANCIAL EDUCATION PROJECT - SEE SCHEDULE O

4d	Other program services. (Describe in Schedule O.)
	(Expenses $ 932,722 including grants of $ ) (Revenue $ )
4e	Total program service expenses$ 12,706,699

1b	Sub-Total................
c	Total from continuation sheets to Part VII, Section A....
d	Total (add lines 1b and 1c)............	0	3,652,748	569,775

				(A) Total revenue	(B) Related or exempt function revenue	(C) Unrelated business revenue	(D) Revenue excluded from tax under sections 512, 513, or 514
1a	Federated campaigns..1a
b	Membership dues....1b
c	Fundraising events....1c
d	Related organizations...1d
e	Government grants (contributions)1e

f	All other contributions, gifts, grants, and similar amounts not included above1f
g	Noncash contributions included in lines 1a-1f:$
h	Total. Add lines 1a-1f.......			0
			Business Code
2a
b
c
d
e
f	All other program service revenue .
g	Total. Add lines 2a–2f........			0
3	Investment income (including dividends, interest
	and other similar amounts).....			697,997			697,997
4	Income from investment of tax-exempt bond proceeds..			0
5	Royalties............			0
		(i) Real	(ii) Personal
6a	Gross Rents
b	Less: rental expenses
c	Rental income or (loss)
d	Net rental income or (loss).......
		(i) Securities	(ii) Other
7a	Gross amount from sales of assets other than inventory	7,420,000
b	Less: cost or other basis and sales expenses	6,514,426
c	Gain or (loss)	905,574
d	Net gain or (loss)..........			905,574			905,574
8a	Gross income from fundraising events (not including $ of contributions reported on line 1c). See Part IV, line 18 ...
	a
b	Less: direct expenses ...b
c	Net income or (loss) from fundraising events..			0
9a	Gross income from gaming activities. See Part IV, line 19 ...
	a
b	Less: direct expenses ...b
c	Net income or (loss) from gaming activities...			0
10a	Gross sales of inventory, less returns and allowances .
	a
b	Less: cost of goods sold ..b
c	Net income or (loss) from sales of inventory..			0
Miscellaneous Revenue			Business Code
11a
b
c
d	All other revenue ....
e	Total. Add lines 11a–11d ......			0
12	Total revenue. See Instructions....			1,603,571			1,603,571

		(a)Current Year	(b)Prior Year	(c)Two Years Back	(d)Three Years Back	(e)Four Years Back
1a	Beginning of year balance ....
b	Contributions ........
c	Investment earnings or losses ...
d	Grants or scholarships .....
e	Other expenditures for facilities and programs ........
f	Administrative expenses ....
g	End of year balance ......

Description of investment		(a) Cost or other basis (investment)	(b)Cost or other basis (other)	(c) Accumulated depreciation	(d) Book value
1a	Land .................
b	Buildings ................
c	Leasehold improvements ............
d	Equipment ................
e	Other .................
Total. Add lines 1a-1e. (Column (d) should equal Form 990, Part X, column (B), line 10(c).)........

(a) Description of security or category (including name of security)		(b)Book value	(c) Method of valuation: Cost or end-of-year market value
(1)Financial derivatives
(2)Closely-held equity interests
Other








Total. (Column (b) should equal Form 990, Part X, col.(B) line 12.)

1.(a) Description of Liability		(b) Amount
Federal Income Taxes		0
DUE TO RELATED PARTIES		812
INVESTMENT PAYABLE		2,920,000







Total. (Column (b) should equal Form 990, Part X, col.(B) line 25.)		2,920,812
2. Fin 48 (ASC 740) Footnote. In Part XIV, provide the text of the footnote to the organization's financial statements that reports the organization's liability for uncertain tax positions under FIN 48 (ASC740).

(A) Name		(B) Breakdown of W-2 and/or 1099-MISC compensation			(C) Retirement and other deferred compensation	(D) Nontaxable benefits	(E) Total of columns (B)(i)-(D)	(F) Compensation reported in prior Form 990 or Form 990-EZ
(A) Name		(i) Base compensation	(ii) Bonus & incentive compensation	(iii) Other reportable compensation	(C) Retirement and other deferred compensation	(D) Nontaxable benefits	(E) Total of columns (B)(i)-(D)
(1) RICHARD G KETCHUM	(i) (ii)	0 980,740	0 1,250,000	0 29,606	0 321,305	0 27,703	0 2,609,354	0 0
(2) JOHN M GANNON	(i) (ii)	0 249,922	0 165,000	0 17,501	0 68,227	0 11,615	0 512,265	0 0
(3) EILEEN M FAMIGLIETTI	(i) (ii)	0 244,096	0 125,000	0 2,640	0 60,736	0 28,864	0 461,336	0 0
(4) MARCIA E ASQUITH	(i) (ii)	0 207,155	0 220,000	0 161,087	0 23,460	0 27,865	0 639,568	0 35,876

(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Exempt Code section	(e) Public charity status (if section 501(c)(3))	(f) Direct controlling entity	(g) Section 512(b)(13) controlled organization
(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Exempt Code section	(e) Public charity status (if section 501(c)(3))	(f) Direct controlling entity	Yes	No
(1) FINANCIAL IND REGULATORY AUTHORITY INC 1735 K STREET NW WASHINGTON,DC20006 53-0088710	REGULATORY	DE	501(C)(6)	N/A	NA
(2) FINRA REGULATION INC 1735 K STREET NW WASHINGTON,DC20006 52-1959501	REGULATORY	DE	501(C)(6)	N/A	FINRA
(3) FINRA DISPUTE RESOLUTION INC 1735 K STREET NW WASHINGTON,DC20006 52-2187577	ARBITRATION	DE	501(C)(6)	N/A	FINRA

(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity	(f) Share of total income	(g) Share of end-of-year assets	(h) Disproprtionate allocations?		(i) Code VUBI amount in box 20 of Schedule K-1 (Form 1065)	(j) General or managing partner?
(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity	(f) Share of total income	(g) Share of end-of-year assets	Yes	No	(i) Code VUBI amount in box 20 of Schedule K-1 (Form 1065)	Yes	No

(a) Name, address, and EIN of entity	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Are all partners section 501(c)(3) organizations?		(e) Share of end-of-year assets	(f) Disproprtionate allocations?		(g) Code VUBI amount in box 20 of Schedule K-1 (Form 1065)	(h) General or managing partner?
(a) Name, address, and EIN of entity	(b) Primary activity	(c) Legal domicile (state or foreign country)	Yes	No	(e) Share of end-of-year assets	Yes	No	(g) Code VUBI amount in box 20 of Schedule K-1 (Form 1065)	Yes	No