TY 2011 Form 990

(A) Name and business address	(B) Description of services	(C) Compensation
GMMB INC PO BOX 415312 BOSTON,MA02241	SEE SCHEDULE O	2,956,121
CHANNEL ONE LLC 151 W 26TH STREET NEW YORK,NY10001	SEE SCHEDULE O	636,168
US EXPRESS FREIGHT SYSTEMS 9301 PEPPERCORN PLACE LARGO,MD20774	SEE SCHEDULE O	377,407
APPLIED RESEARCH CONSULTING 320 WEST 13TH STREET NEW YORK,NY10014	SEE SCHEDULE O	254,448
PHEONIX LITHOGRAPHING 11631 CAROLINE ROAD PHILADELPHIA,PA19154	SEE SCHEDULE O	172,166
2 Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 of compensation from the organization 11

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 United States. See Part IV, line 21	5,105,343	5,105,343
2	Grants and other assistance to individuals in the United States. See Part IV, line 22	0
3	Grants and other assistance to governments, organizations, and individuals outside the United States. 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 accruals and contributions (include section 401(k) and 403(b) employer contributions) ....	0
9	Other employee benefits .......	0
10	Payroll taxes ...........	0
11	Fees for services (non-employees):
a	Management ......	2,852,012	2,410,248	441,764
b	Legal .........	0
c	Accounting ...........	42,800		42,800
d	Lobbying ...........	0
e	Professional fundraising. See Part IV, line 17..	0
f	Investment management fees ......	8,378		8,378
g	Other ..........	0
12	Advertising and promotion ....	3,828,945	3,791,380	37,565
13	Office expenses .......	148,357	118,924	29,433
14	Information technology ......	312		312
15	Royalties ..	0
16	Occupancy ...........	214,023	156,267	57,756
17	Travel ............	146,021	108,451	37,570
18	Payments of travel or entertainment expenses for any federal, state, or local public officials ......	0
19	Conferences, conventions, and meetings ....	161,243	133,139	28,104
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 (List miscellaneous expenses in line 24f. If line 24f amount exceeds 10% of line 25, column (A) amount, list line 24f expenses on Schedule O.)
a	ALL OTHER EXPENSES	5,458	1,845	3,613
b
c
d
e
f	All other expenses
25	Total functional expenses. Add lines 1 through 24f	12,512,892	11,825,597	687,295	0
26	Joint costs. Complete this line only if the organization reported in column (B) joint costs from a combined educational campaign and fundraising solicitation. Check here if following SOP 98-2 (ASC 958-720).

Part X Balance Sheet
	1	Cashnon-interest-bearing ..........	4,125,762	1	1,620,610
2	Savings and temporary cash investments .......	34,614,851	2	26,033,196
3	Pledges and grants receivable, net .........	0	3	0
4	Accounts receivable, net .........	0	4	57,157
5	Receivables from current and former officers, directors, trustees, key employees, and highest compensated employees. Complete Part II of
	Schedule L ..........	0	5	0
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 ..........	0	6	0
7	Notes and loans receivable, net .............	0	7	0
8	Inventories for sale or use ..............	0	8	0
9	Prepaid expenses and deferred charges ............	305,298	9	68,920
10a	Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D	10a
b	Less: accumulated depreciation. .....	10b		0	10c
11	Investments—publicly traded securities ..........	25,483,802	11	23,458,022
12	Investments—other securities. See Part IV, line 11 ......	0	12	0
13	Investments—program-related. See Part IV, line 11 ..	0	13	0
14	Intangible assets .........	0	14	0
15	Other assets. See Part IV, line 11 ...........	0	15	488
16	Total assets. Add lines 1 through 15 (must equal line 34)...	64,529,713	16	51,238,393
	17	Accounts payable and accrued expenses .	597,067	17	333,050
18	Grants payable ..........	75,928	18	49,594
19	Deferred revenue ..........	0	19	0
20	Tax-exempt bond liabilities ..........	0	20	0
21	Escrow or custodial account liability. Complete Part IV of Schedule D..	0	21	0
22	Payables to current and former officers, directors, trustees, key employees, highest compensated employees, and disqualified
	persons. Complete Part II of Schedule L..........	0	22	0
23	Secured mortgages and notes payable to unrelated third parties ..	0	23	0
24	Unsecured notes and loans payable to unrelated third parties ....	0	24	0
25	Other liabilities (including federal income tax, payables to related third parties, and other liabilities not included on lines 17-24). Complete Part X of Schedule D.....	2,920,812	25	160,000
26	Total liabilities. Add lines 17 through 25.....	3,593,807	26	542,644
		Organizations that follow SFAS 117, check here and complete lines 27 through 29, and lines 33 and 34.
27	Unrestricted net assets .....	60,935,906	27	50,695,749
28	Temporarily restricted net assets .....	0	28	0
29	Permanently restricted net assets .....	0	29	0
	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 .....	60,935,906	33	50,695,749
34	Total liabilities and net assets/fund balances .....	64,529,713	34	51,238,393

- TIN:

Schedule B
(Form 990, 990-EZ,
or 990-PF)

Department of the Treasury
Internal Revenue Service

Schedule of Contributors

Attach to Form 990, 990-EZ, or 990-PF.

OMB No. 1545-0047

2011

Name of organization

FINRA INVESTOR EDUCATION FOUNDATION

Employer identification number

20-0863779

Organization type (check one):

Filers of:

Section:

Form 990 or 990-EZ

501(c)( ) (enter number) organization

4947(a)(1) nonexempt charitable trust not treated as a private foundation

527 political organization

Form 990-PF

501(c)(3) exempt private foundation

4947(a)(1) nonexempt charitable trust treated as a private foundation

501(c)(3) taxable private foundation

Check if your organization is covered by the General Rule or a Special Rule.
Note. Only a section 501(c)(7), (8), or (10) organization can check boxes for both the General Rule and a Special Rule. See instructions.

General Rule

For an organization filing Form 990, 990-EZ, or 990-PF that received, during the year, $5,000 or more (in money or
property) from any one contributor. Complete Parts I and II.

Special Rules

For a section 501(c)(3) organization filing Form 990 or 990-EZ that met the 33¹/3% support test of the regulations
under sections 509(a)(1) and 170(b)(1)(A)(vi), and received from any one contributor, during the year, a contribution of the
greater of (1) $5,000 or (2) 2% of the amount on (i) Form 990, Part VIII, line 1h, or (ii) Form 990-EZ, line 1. Complete Parts I and II.

For a section 501(c)(7), (8), or (10) organization filing Form 990, or 990-EZ that received from any one contributor,
during the year, total contributions of more than $1,000 for use exclusively for religious, charitable,
scientific, literary, or educational purposes, or the prevention of cruelty to children or animals. Complete Parts I, II, and
III.

For a section 501(c)(7), (8), or (10) organization filing Form 990, or 990-EZ that received from any one contributor,
during the year, contributions for use exclusively for religious, charitable, etc., purposes, but these contributions did
not total to more than $1,000. If this box is checked, enter here the total contributions that were received during
the year for an exclusively religious, charitable, etc., purpose. Do not complete any of the parts unless the General Rule
applies to this organization because it received nonexclusively religious, charitable, etc., contributions of $5,000 or more
during the year. ......................... Arrow Bullet

Caution. An Organization that is not covered by the General Rule and/or the Special Rules does not file Schedule B (Form 990,
990-EZ, or 990-PF), but it must answer “No” on Part IV, line 2, of its Form 990; or check the box on line H of its
Form 990-EZ or on Part I, line 2, of its Form 990-PF, to certify that it does not meet the filing requirements of Schedule B (Form 990,
990-EZ, or 990-PF).

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

Cat. No. 30613XSchedule B (Form 990, 990-EZ, or 990-PF) (2011)

Page 2

Name of organization FINRA INVESTOR EDUCATION FOUNDATION
Schedule B (Form 990, 990-EZ, or 990-PF) (2011)
Part I	Contributors (see Instructions). Use duplicate copies of Part I if additional space is needed.
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
RESTRICTED	RESTRICTED RESTRICTED RESTRICTED RESTRICTED, RESTRICTED RESTRICTED	$RESTRICTED	Person Payroll Noncash (Complete Part II if there is a noncash contribution.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II if there is a noncash contribution.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II if there is a noncash contribution.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II if there is a noncash contribution.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II if there is a noncash contribution.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II if there is a noncash contribution.)
Schedule B (Form 990, 990-EZ, or 990-PF) (2011)

Page 3

Name of organization FINRA INVESTOR EDUCATION FOUNDATION
Schedule B (Form 990, 990-EZ, or 990-PF) (2011)
Part II	Noncash Property (see Instructions). Use duplicate copies of Part II if additional space is needed.
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (see instructions).	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (see instructions).	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (see instructions).	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (see instructions).	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (see instructions).	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (see instructions).	(d) Date received
		$
Schedule B (Form 990, 990-EZ, or 990-PF) (2011)

Page 4

Schedule B (Form 990, 990-EZ, or 990-PF) (2011)

Name of organization
FINRA INVESTOR EDUCATION FOUNDATION

Employer identification number

20-0863779

Part III

Exclusively religious, charitable, etc., individual contributions to section 501(c)(7), (8), or (10) organizations
that total more than $1,000 for the year. Complete columns (a) through (e) and the following line entry.
For organizations completing Part III, enter the total of exclusively religious, charitable, etc.,
contributions of $1,000 or less for the year. (Enter this information once. See instructions.) Arrow Bullet

$
Use duplicate copies of Part III if additional space is needed

(a) No.
from
Part I

(b)
Purpose of gift

(d)
Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a) No.
from
Part I

(b)
Purpose of gift

(d)
Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a) No.
from
Part I

(b)
Purpose of gift

(d)
Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a) No.
from
Part I

(b)
Purpose of gift

(d)
Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

Schedule B (Form 990, 990-EZ, or 990-PF) (2011)

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE D
(Form 990)

Department of the Treasury
Internal Revenue Service

Supplemental Financial Statements

Complete if the organization answered "Yes," to Form 990,
Part IV, line 6, 7, 8, 9, 10, 11a, 11b, 11c, 11d, 11e, 11f, 12a, or 12b
SchDMd Bullet

Attach to Form 990. SchDMd Bullet

See separate instructions.

OMB No. 1545-0047

2011

Open to Public Inspection

Name of the organization

FINRA INVESTOR EDUCATION FOUNDATION

Employer identification number

20-0863779

Part I

Organizations Maintaining Donor Advised Funds or Other Similar Funds or Accounts. Complete if the organization answered "Yes" to Form 990, Part IV, line 6.

		(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 .......

Did the organization inform all donors and donor advisors in writing that the assets held in donor advised
funds are the organization's property, subject to the organization's exclusive legal control? ............

Yes No

Did the organization inform all grantees, donors, and donor advisors in writing that grant funds can be
used only for charitable purposes and not for the benefit of the donor or donor advisor, or for any other purpose conferring impermissible private benefit? ...................................

Yes No

Part II

Conservation Easements. Complete if the organization answered "Yes" to Form 990, Part IV, line 7.

Purpose(s) of conservation easements held by the organization (check all that apply).

Preservation of land for public use (e.g., recreation or education) Preservation of an historically important land area

Protection of natural habitat Preservation of a certified historic structure

Preservation of open space

Complete lines 2a through 2d if the organization held a qualified conservation contribution in the form of a conservation easement on the last day of the tax 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, and not on a historic structure listed in the National Register ....................	2d

Number of conservation easements modified, transferred, released, extinguished, or terminated by the organization during
the tax year SchDMd Bullet

Number of states where property subject to conservation easement is located SchDMd Bullet

Does the organization have a written policy regarding the periodic monitoring, inspection, handling of violations, and
enforcement of the conservation easements it holds? .............................

Yes No

Staff and volunteer hours devoted to monitoring, inspecting and enforcing conservation easements during the year SchDMd Bullet

Amount of expenses incurred in monitoring, inspecting, and enforcing conservation easements during the year
SchDMd Bullet

Does each conservation easement reported on line 2(d) above satisfy the requirements of section
170(h)(4)(B)(i) and 170(h)(4)(B)(ii)? ....................................

Yes No

In Part XIV, describe how the organization reports conservation easements in its revenue and expense statement, and
balance sheet, and include, if applicable, the text of the footnote to the organization’s financial statements that describes
the organization’s accounting for conservation easements.

Part III

Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets.
Complete if the organization answered "Yes" to Form 990, Part IV, line 8.

If the organization elected, as permitted under SFAS 116 (ASC 958), not to report in its revenue statement and balance sheet works of
art, historical treasures, or other similar assets held for public exhibition, education or research in furtherance of public service,
provide, in Part XIV, the text of the footnote to its financial statements that describes these items.

If the organization elected, as permitted under SFAS 116 (ASC 958), to report in its revenue statement and balance sheet works of art,
historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service,
provide the following amounts relating to these items:

(i)

Revenues included in Form 990, Part VIII, line 1 ........................ SchDMd Bullet

(ii)

Assets included in Form 990, Part X .............................. SchDMd Bullet

If the organization received or held works of art, historical treasures, or other similar assets for financial gain, provide the
following amounts required to be reported under SFAS 116 (ASC 958), relating to these items:

Revenues included in Form 990, Part VIII, line 1 .......................... SchDMd Bullet

Assets included in Form 990, Part X ............................... SchDMd Bullet

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

Cat. No. 52283D

Schedule D (Form 990) 2011

Page 2

Part III

Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets (continued)

Using the organization’s accession and other records, check any of the following that are a significant use of its collection
items (check all that apply):

Public exhibition

Loan or exchange programs

Scholarly research

Other

Preservation for future generations

Provide a description of the organization’s collections and explain how they further the organization’s exempt purpose in
Part XIV.

During the year, did the organization solicit or receive donations of art, historical treasures or other similar
assets to be sold to raise funds rather than to be maintained as part of the organization’s collection?........

Yes No

Part IV

Escrow and Custodial Arrangements. Complete if the organization answered "Yes" to Form 990,
Part IV, line 9, or reported an amount on Form 990, Part X, line 21.

Is the organization an agent, trustee, custodian or other intermediary for contributions or other assets not
included on Form 990, Part X? ....................................

Yes No

If "Yes," explain the arrangement in Part XIV and complete the following table:


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

Did the organization include an amount on Form 990, Part X, line 21? .....................

Yes No

If “Yes,” explain the arrangement in Part XIV.

Part V

Endowment Funds. Complete if the organization answered "Yes" to Form 990, Part IV, line 10.

		(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	Net investment earnings, gains, and losses ...
d	Grants or scholarships .....
e	Other expenditures for facilities and programs ........
f	Administrative expenses ....
g	End of year balance ......

Provide the estimated percentage of the year end balance (line 1g) held as:

Board designated or quasi-endowment SchDMd Bullet

Permanent endowment SchDMd Bullet

Temporarily restricted endowment SchDMd Bullet

The percentages in lines 2a, 2b, and 2c should equal 100%.

Are there endowment funds not in the possession of the organization that are held and administered for the
organization by:

Yes

(i) unrelated organizations ........................

3a(i)

(ii) related organizations ........................

3a(ii)

If "Yes" to 3a(ii), are the related organizations listed as required on Schedule R? .........

Describe in Part XIV the intended uses of the organization's endowment funds.

Part VI

Land, Buildings, and Equipment. See Form 990, Part X, line 10.

Description of property		(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 through 1e. (Column (d) must equal Form 990, Part X, column (B), line 10(c).).......

Schedule D (Form 990) 2011

Page 3

Part VII

InvestmentsOther Securities. See Form 990, Part X, line 12.

(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) must equal Form 990, Part X, col. (B) line 12.)

Part VIII

InvestmentsProgram Related. See Form 990, Part X, line 13.

(a) Description of investment type		(b) Book value	(c) Method of valuation: Cost or end-of-year market value









Total. (Column (b) must equal Form 990, Part X, col.(B) line 13.)

Part IX

Other Assets. See Form 990, Part X, line 15.

(a) Description				(b) Book value









Total. (Column (b) must equal Form 990, Part X, col.(B) line 15.)...........

Part X

Other Liabilities. See Form 990, Part X, line 25.

1.(a) Description of Liability		(b) Book value
Federal Income Taxes		0
INVESTMENTS PAYABLE		160,000








Total. (Column (b) must equal Form 990, Part X, col.(B) line 25.)		160,000
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).

Schedule D (Form 990) 2011

Page 4

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	2,385,831
2	Total expenses (Form 990, Part IX, column (A), line 25) .....................	2	12,512,892
3	Excess or (deficit) for the year. Subtract line 2 from line 1 .............	3	-10,127,061
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	95,754
8	Other (Describe in Part XIV.) .................................	8	-208,850
9	Total adjustments (net). Add lines 4 through 8 .........................	9	-113,096
10	Excess or (deficit) for the year per financial statements. Combine lines 3 and 9 .........	10	-10,240,157

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	5,768,254
2	Amounts included on line 1 but not on Form 990, Part VIII, line 12:
a	Net unrealized gains on investments ..........	2a	-208,857
b	Donated services and use of facilities .........	2b	3,591,280
c	Recoveries of prior year grants ...........	2c
d	Other (Describe in Part XIV.) ............	2d
e	Add lines 2a through 2d .....................			2e	3,382,423
3	Subtract line 2e from line 1.....................			3	2,385,831
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 must equal Form 990, Part I, line 12.) ......			5	2,385,831

Part XIII Reconciliation of Expenses per Audited Financial Statements With Expenses per Return
1	Total expenses and losses per audited financial statements .............			1	16,008,418
2	Amounts included on line 1 but not on Form 990, Part IX, line 25:
a	Donated services and use of facilities ..........	2a	3,591,280
b	Prior year adjustments ..............	2b	-95,754
c	Other losses ................	2c
d	Other (Describe in Part XIV.) ............	2d
e	Add lines 2a through 2d......................			2e	3,495,526
3	Subtract line 2e from line 1.....................			3	12,512,892
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 must equal Form 990, Part I, line 18.) ......			5	12,512,892

Part XIV

Supplemental Information

Complete this part to provide the descriptions required for Part II, lines 3, 5, and 9; Part III, lines 1a and 4; Part lV, lines 1b and 2b;
Part V, line 4; Part X; Part XI, line 8; Part XII, lines 2d and 4b; and Part XIII, lines 2d and 4b. Also complete this part to provide any additional information.

Identifier	Return Reference	Explanation
PART XI, LINE 8		CHANGE IN MARKET VALUE
SCHEDULE D, PART X, LINE 2	FIN 48 FOOTNOTE FROM CONSOLIDATED AUDITED FINANCIAL STATEMENTS	U.S. GAAP PROVIDES A TWO-STEP APPROACH FOR EVALUATING TAX POSITIONS. RECOGNITION (STEP 1) OCCURS WHEN AN ENTITY CONCLUDES THAT A TAX POSITION, BASED SOLELY ON ITS TECHNICAL MERITS, IS MORE LIKELY THAN NOT TO BE SUSTAINED UPON EXAMINATION. IN STEP 2 (MEASUREMENT), THE TAX BENEFIT IS MEASURED AS THE LARGEST AMOUNT OF BENEFIT, DETERMINED ON A CUMULATIVE PROBABILITY BASIS, THAT IS MORE LIKELY THAN NOT TO BE REALIZED UPON ULTIMATE SETTLEMENT. DURING THE YEARS FROM 2008 TO 2011, WHICH REPRESENT THE YEARS MANAGEMENT CONSIDERS TO BE OPEN FOR EXAMINATION BY TAXING AUTHORITIES, MANAGEMENT DID NOT IDENTIFY THE EXISTENCE OF ANY UNCERTAIN TAX POSITIONS. ACCORDINGLY, ALL TAX POSITIONS ARE RECOGNIZED AND MEASURED AT THEIR FULL BENEFIT IN THE CONSOLIDATED BALANCE SHEETS AND STATEMENTS OF OPERATIONS.

Schedule D (Form 990) 2011

Additional Data

Software ID:
Software Version:

- 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

2011

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) APPALACHIAN COMMUNITY ENTERPRISES INC3173 HIGHWAY 129 NORTH CLEVELAND,GA30528	58-2383669	501(C)(3)	51,753	SEE SCHEDULE O
(2) ARIZONA STATE UNIVERSITY FOUNDATION300 EAST UNIVERSITY DRIVE TEMPE,AZ85281	86-6051042	501(C)(3)	70,500	SEE SCHEDULE O
(3) ASPIRA ASSOCIATION - COMMUNITY AWARENESS1444 EYE STREET NW WASHINGTON,DC20005	13-2625568	501(C)(3)	119,399	SEE SCHEDULE O
(4) ASSOC FOR FINANCIAL COUNSELING AND PLANNING EDUC1940 DUKE STREET ALEXANDRIA,VA22314	34-2017326	501(C)(3)	31,297	SEE SCHEDULE O
(5) BRUNSWICK PUBLIC LIBRARY ASSOCIATION23 PLEASANT STREET BRUNSWICK,ME04011	01-6000787	501(C)(3)	72,950	SEE SCHEDULE O
(6) CAMDEN PUBLIC LIBRARY17 SEA STREET CAMDEN,ME04843	01-0505002	501(C)(3)	45,440	SEE SCHEDULE O
(7) CARMEL CLAY PUBLIC LIBRARY FOUNDATION55 4TH AVENUE SE CARMEL,IN46032	35-1787253	501(C)(3)	42,300	SEE SCHEDULE O
(8) COASTAL COALITION FOR CHILDREN INC2311 HERON STREET BRUNSWICK,GA31520	58-1497814	501(C)(3)	72,779	SEE SCHEDULE O
(9) CONNECTICUT ASSOCIATION FOR HUMAN SERVICES110 BARTHOLOMEW AVENUE HARTFORD,CT06106	06-0653158	501(C)(3)	75,000	SEE SCHEDULE O
(10) DREXEL UNIVERSITY OFFICE OF RESEARCH3201 ARCH STREET PHILADELPHIA,PA19104	23-1352630	501(C)(3)	143,397	SEE SCHEDULE O
(11) ESTES PARK PUBLIC LIBRARY FOUNDATIONPO BOX 1470 ESTES PARK,CO80517	74-2385213	501(C)(3)	31,102	SEE SCHEDULE O
(12) FIRST NATIONS DEVELOPMENT INSTITUTE351 COFFMAN STREET LONGMONT,CO80501	54-1254491	501(C)(3)	103,838	SEE SCHEDULE O
(13) FLORIDA INTERNATIONAL UNIVERSITY COLLEGE OF LAW3000 NE 151ST STREET MIAMI,FL33199	65-0177616	115 (A)	62,500	SEE SCHEDULE O
(14) FOUR BANDS COMMUNITY FUND101 S MAIN STREET EAGLE BUTTE,SD57625	46-0456528	501(C)(3)	25,000	SEE SCHEDULE O
(15) FRIENDS OF BURLINGTON COUNTY LIBRARY SYSTEM5 PIONEER BOULEVARD WESTAMTON,NJ08060	22-2346975	501(C)(3)	47,971	SEE SCHEDULE O
(16) FRIENDS OF THE BLAKE LIBRARY2351 SE MONTEREY ROAD STUART,FL34996	59-6155142	501(C)(3)	22,527	SEE SCHEDULE O
(17) FRIENDS OF THE BOLIVAR COUNTY LIBRARY SYSTEM104 SOUTH LEFLORE AVE CLEVELAND,MS38732	51-0161498	501(C)(3)	16,750	SEE SCHEDULE O
(18) FRIENDS OF THE CHESTERFIELD COUNTY PUBLIC LIBRARY9509 LORI ROAD CHESTERFIELD,VA22832	52-1245254	501(C)(3)	40,800	SEE SCHEDULE O
(19) FRIENDS OF THE FLORENCE COUNTY LIBRARY SYSTEM509 SOUTH DARGAN STREET FLORENCE,SC29506	57-0697650	501(C)(3)	47,949	SEE SCHEDULE O
(20) FRIENDS OF THE GEORGETOWN LIBRARY INC405 CLELAND STREET GEORGETOWN,SC29440	57-0918036	501(C)(3)	43,650	SEE SCHEDULE O
(21) FRIENDS OF THE LIBRARY OF APACHE JUNCTION1177 N IDAHO ROAD APACHE JUNCTION,AZ85119	86-0508052	501(C)(3)	35,100	SEE SCHEDULE O
(22) FRIENDS OF THE NEWTON FREE LIBRARY330 HOMER STREET NEWTON,MA02459	06-6001404	501(C)(3)	40,906	SEE SCHEDULE O
(23) FRIENDS OF THE VIRGINIA BEACH PUBLIC LIBRARY4100 VIRGINIA BCH VIRGINIA BEACH,VA23452	54-1064465	501(C)(3)	25,953	SEE SCHEDULE O
(24) GREEN MOUNTAIN UNITED WAY963 PAINE TURNPIKE MONTPELIER,VT05602	03-0261384	501(C)(3)	74,982	SEE SCHEDULE O
(25) GREENSBORO PUBLIC LIBRARY FOUNDATION219 N CHURCH STREET GREENSBORO,NC27401	56-2037761	501(C)(3)	48,250	SEE SCHEDULE O
(26) HITHERGREEN SENIOR CENTER5900 HITHERGREEN DR CENTERFILLE,OH45429	31-1050721	501(C)(3)	30,000	SEE SCHEDULE O
(27) HOWARD UNIVERSITY SCHOOL OF LAW2225 GEORGIA AVE NW WASHINGTON,DC20059	53-0204707	501(C)(3)	62,500	SEE SCHEDULE O
(28) INNOVATIONS FOR POVERTY ACTION101 WHITNEY AVENUE NEW HAVEN,CT06510	06-1660068	501(C)(3)	294,360	SEE SCHEDULE O
(29) JACKSON DISTRICT LIBRARY244 WEST MICHIGAN AVENUE JACKSON,MI49201	38-2184437	501(C)(3)	49,594	SEE SCHEDULE O
(30) JACKSONVILLE PUBLIC LIBRARIES FOUNDATION INC303 NORTH LAURA ST JACKSONVILLE,FL32202	59-2836110	501(C)(3)	50,000	SEE SCHEDULE O
(31) LAWRENCE PUBLIC LIBRARY FOUNDATION707 VERMONT STREET LAWRENCE,KS66044	48-1179872	501(C)(3)	26,400	SEE SCHEDULE O
(32) LIBRARIES OF EASTERN OREGONPO BOX 11 MORO,OR97037	93-1280400	501(C)(3)	49,088	SEE SCHEDULE O
(33) LIBRARY FOUNDATION SERVING THE PEOPLE OF MULTNOMAH620 SW FIFTH AVENUE PORTLAND,OR97274	93-1190983	501(C)(3)	50,000	SEE SCHEDULE O
(34) MAINE CENTERS FOR WOMEN WORK AND COMMUNITY46 UNIVERSITY DRIVE AUGUSTA,ME04330	01-6000769	501(C)(3)	62,500	SEE SCHEDULE O
(35) MARTINSBURG-BERKELEY COUNTY PUBLIC LIBRARIES101 W KING STREET MARTINSBURG,WV25401	55-0364258	501(C)(3)	39,780	SEE SCHEDULE O
(36) MIDDLE COUNTRY LIBRARY FOUNDATION101 EASTWOOD BLVD CENTERREACH,NY11720	11-3388625	501(C)(3)	38,700	SEE SCHEDULE O
(37) MILWAUKEE PUBLIC LIBRARY FOUNDATION814 WEST WISCONSIN AVE MILWAUKEE,WI53233	39-1610233	501(C)(3)	49,500	SEE SCHEDULE O
(38) MONROE COUNTY PUBLIC LIBRARY FOUNDATION INC303 E KIRKWOOD AVE BLOOMINGTON,IN47408	35-1892355	501(C)(3)	39,791	SEE SCHEDULE O
(39) MONTANA STATE UNIVERSITY EXTENSION309 MONTANA HALL BOZEMAN,MT59717	81-6010045	501(C)(3)	15,563	SEE SCHEDULE O
(40) MORGAN HILL COMMUNITY FOUNDATIONPO BOX 1974 MORGAN HILL,CA95038	80-0001382	501(C)(3)	50,000	SEE SCHEDULE O
(41) MOUNTAIN BROOK LIBRARY FOUNDATION50 OAK STREET MOUNTAIN BROOK,AL35213	58-2094979	501(C)(3)	46,200	SEE SCHEDULE O
(42) NATIONAL COUNCIL ON AGING1901 L STREET NW WASHINGTON,DC20036	13-1932384	501(C)(3)	188,316	SEE SCHEDULE O
(43) NATIONAL LABOR COLLEGE10000 N HAMPSHIRE SILVER SPRING,MD20903	52-0895834	501(C)(3)	247,214	SEE SCHEDULE O
(44) NORTH CAROLINA STATE UNIVERSITYPO BOX 7214 RALEIGH,NC27695	56-6000756	115(A)	272,626	SEE SCHEDULE O
(45) NORTH CAROLINA STATE UNIVERSITY (CLARK)PO BOX 7214 RALEIGH,NC27695	56-6000756	115(A)	70,091	SEE SCHEDULE O
(46) OHIO STATE UNIVERSITY RESEARCH FOUNDATION1960 KENNY ROAD COLUMBUS,OH43210	31-6401599	501(C)(3)	23,201	SEE SCHEDULE O
(47) ORANGE COUNTY LIBRARY DISTRICT101 EAST CENTRAL BLVD ORLANDO,FL32801	59-2045143	501(C)(3)	51,150	SEE SCHEDULE O
(48) PACE UNIVERSITY SCHOOL OF LAW78 NORTH BROADWAY WHITE PLAINS,NY10603	13-5562314	501(C)(3)	30,745	SEE SCHEDULE O
(49) PELHAM LIBRARY GUILD3162 PELHAM PARKWAY PELHAM,AL35124	26-4800985	501(C)(3)	44,273	SEE SCHEDULE O
(50) PEPPERDINE UNIVERSITY SCHOOL OF LAW24255 PACIFIC COAST HWY MALIBU,CA90263	95-1644037	501(C)(3)	62,500	SEE SCHEDULE O
(51) PIKE COUNTY PUBLIC LIBRARY DISTRICTPO BOX 1276 PIKEVILLE,KY41501	80-0415553	501(C)(3)	17,181	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) ROTARY CLUB OF SCHAUMBURG-HOFFMAN ESTATES CHARITAB130 S ROSELLE SCHAUMBURG,IL60193	36-3891070	501(C)(3)	43,500	SEE SCHEDULE O
(55) SANTA CRUZ COMMUNITY VENTURES324 FRONT STREET SANTA CRUZ,CA95060	77-0247648	501(C)(3)	75,000	SEE SCHEDULE O
(56) STEP UP SAVANNAH428 BULL STREET SAVANNAH,GA31401	30-0526014	501(C)(3)	75,000	SEE SCHEDULE O
(57) SUFFOLK UNIVERSITY LAW SCHOOL8 ASHBURTON PLACE BOSTON,MA02108	04-2133255	501(C)(3)	62,500	SEE SCHEDULE O
(58) TRUSTEES OF DARTMOUTH COLLEGE11 ROPE FERRY ROAD HANOVER,NJ03755	02-0222111	501(C)(3)	24,341	SEE SCHEDULE O
(59) TRUSTEES OF PRINCETON UNIVERSITY4 NEW SOUTH PRINCETON,NJ08544	21-0634501	501(C)(3)	22,204	SEE SCHEDULE O
(60) UNITED WAY OF GREATER CHATTANOOGAPO BOX 4027 CHATTANOOGA,TN37405	62-0565962	501(C)(3)	75,000	SEE SCHEDULE O
(61) UNITED NEGRO COLLEGE FUND SPECIAL PROGRAMS CORP6402 ARLINGTON BLVD FALLS CHURCH,VA22042	54-1980487	501(C)(3)	77,000	SEE SCHEDULE O
(62) UNITED WAY CAPITAL AREA2000 E MKL JR BOULEVARD AUSTIN,TX78702	74-1193439	501(C)(3)	75,000	SEE SCHEDULE O
(63) UNITED WAY OF MIAMI-DADE3250 SW 3 AVENUE MIAMI,FL33129	59-0830840	501(C)(3)	75,000	SEE SCHEDULE O
(64) UNITED WAY OF SOUTHEASTERN MICHIGAN660 WOODWARD AVENUE DETROIT,MI48226	20-3099071	501(C)(3)	69,300	SEE SCHEDULE O
(65) UNITED WAY OF BUFFALO AND ERIE COUNTY742 DELAWARE AVENUE BUFFALO,NY14209	16-0743969	501(C)(3)	75,000	SEE SCHEDULE O
(66) UNITED WAY OF CENTRAL AND NORTHEASTERN CONNECTICUT30 LAUREL STREET HARTFORD,CT06106	06-0646653	501(C)(3)	75,000	SEE SCHEDULE O
(67) UNITED WAY OF CHESTER COUNTY211 N WALNUT ST WEST CHESTER,PA19380	23-2131877	501(C)(3)	38,586	SEE SCHEDULE O
(68) UNITED WAY OF CHITTENDEN COUNTY412 FARRELL ST SOUTH BURLINGTON,VT05403	03-0217229	501(C)(3)	71,797	SEE SCHEDULE O
(69) UNITED WAY OF DANE COUNTY2059 ATWOOD AVENUE MADISON,WI53707	39-0817532	501(C)(3)	75,000	SEE SCHEDULE O
(70) UNITED WAY OF GREATER KANSAS CITY1080 WASHINGTON ST KANSAS CITY,MO64105	44-0545817	501(C)(3)	75,000	SEE SCHEDULE O
(71) UNITED WAY OF MARION COUNTYPO BOX 1089 OCALA,FL34478	59-0946642	501(C)(3)	9,782	SEE SCHEDULE O
(72) UNITED WAY OF TAMPA BAY5201 W KENNEDY BOULEVARD TAMPA,FL33609	59-3725701	501(C)(3)	22,500	SEE SCHEDULE O
(73) UNITED WAY OF THE MIDLANDS1805 HARNEY STREET OMAHA,NE68102	47-0376605	501(C)(3)	60,836	SEE SCHEDULE O
(74) UNITED WAY OF TUCSON AND SOUTHERN ARIZONAPO BOX 86750 TUCSON,AZ85754	86-0098932	501(C)(3)	57,926	SEE SCHEDULE O
(75) UNITED WAY OF WEST CENTRAL MISSISSIPPI920 SOUTH STREET VICKSBURG,MS39181	64-0330259	501(C)(3)	74,813	SEE SCHEDULE O
(76) UNIVERSITY OF KENTUCKY MICHIGAN 4H240 SPARTAN WAY EAST LANSING,MI48824	38-1539997	501(C)(3)	30,000	SEE SCHEDULE O
(77) UNIVERSITY OF MIAMIPO BOX 405803 ATLANTA,GA30384	59-0624458	501(C)(3)	100,000	SEE SCHEDULE O
(78) UNIVERSITY OF TENNESSEE218 T MORGAN HALL KNOXVILLE,TN37996	62-6001636	501(C)(3)	74,201	SEE SCHEDULE O
(79) UNIVERSITY OF TENNESSEE (2011)121 MORGAN HALL KNOXVILLE,TN37996	62-6001636	501(C)(3)	66,407	SEE SCHEDULE O
(80) WOMEN'S INSTITUTE FOR A SECURE RETIREMENT1146 19TH STREET NW WASHINGTON,DC20036	52-1997317	501(C)(3)	51,240	SEE SCHEDULE O

Enter total number of section 501(c)(3) and government organizations listed in the line 1 table ................. Bullet Image

Enter total number of other organizations listed in the line 1 table ......................... . Bullet Image

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

Cat. No. 50055P

Schedule I (Form 990) 2011

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) 2011

Additional Data

Software ID:
Software Version:

- TIN:

Schedule J
(Form 990)

Department of the Treasury
Internal Revenue Service

Compensation Information

For certain Officers, Directors, Trustees, Key Employees, and Highest
Compensated Employees
SchJMediumBullet

Complete if the organization answered "Yes" to Form 990,
Part IV, question 23.
SchJMediumBullet

Attach to Form 990. SchJMediumBullet

See separate instructions.

OMB No. 1545-0047

2011

Open to Public Inspection

Name of the organization

FINRA INVESTOR EDUCATION FOUNDATION

Employer identification number

20-0863779

Part I

Questions Regarding Compensation

Yes

Check the appropiate box(es) if the organization provided any of the following to or for a person listed in Form
990, Part VII, Section A, line 1a. Complete Part III to provide any relevant information regarding these items.

First-class or charter travel Housing allowance or residence for personal use

Travel for companions Payments for business use of personal residence

Tax idemnification and gross-up payments Health or social club dues or initiation fees

Discretionary spending account Personal services (e.g., maid, chauffeur, chef)

If any of the boxes in line 1a are checked, did the organization follow a written policy regarding payment or reimbursement or provision of all the expenses described above? If "No," complete Part III to explain....

Did the organization require substantiation prior to reimbursing or allowing expenses incurred by all
officers, directors, trustees, and the CEO/Executive Director, regarding the items checked in line 1a? ....

Indicate which, if any, of the following the organization uses to establish the compensation of the
organization's CEO/Executive Director. Check all that apply. Do not check any boxes for methods
used by a related organization to establish compensation of the CEO/Executive Director, but explain in Part III.

Compensation committee Written employment contract

Independent compensation consultant Compensation survey or study

Form 990 of other organizations Approval by the board or compensation committee

During the year, did any person listed in Form 990, Part VII, Section A, line 1a with respect to the filing organization or a related organization:

Receive a severance payment or change-of-control payment? ...............

Participate in, or receive payment from, a supplemental nonqualified retirement plan? ........

Yes

Participate in, or receive payment from, an equity-based compensation arrangement? ........

If "Yes" to any of lines 4a-c, list the persons and provide the applicable amounts for each item in Part III.

Only 501(c)(3) and 501(c)(4) organizations only must complete lines 5-9.

For persons listed in form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the revenues of:

The organization? ...........................

Any related organization? .........................

If "Yes," to line 5a or 5b, describe in Part III.

For persons listed in form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the net earnings of:

The organization? ...........................

Any related organization? .........................

If "Yes," to line 6a or 6b, describe in Part III.

For persons listed in Form 990, Part VII, Section A, line 1a, did the organization provide any non-fixed
payments not described in lines 5 and 6? If "Yes," describe in Part III ............

Were any amounts reported in Form 990, Part VII, paid or accured pursuant to a contract that was
subject to the initial contract exception described in Regulations section 53.4958-4(a)(3)? If "Yes," describe
in Part III .............................

If "Yes" to line 8, did the organization also follow the rebuttable presumption procedure described in Regulations section 53.4958-6(c)? .........................

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

Cat. No. 50053T

Schedule J (Form 990) 2011

Page 2

Part II

Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees. Use duplicate copies if additional space is needed.

For each individual whose compensation must be reported in Schedule J, report compensation from the organization on row (i) and from related organizations, described in the
instructions on row (ii). Do not list any individuals that are not listed on Form 990, Part VII.

Note. The sum of columns (B)(i)-(iii) for each listed individual must equal the total amount of Form 990, Part VII, Section A, line 1a, applicable column (D) and column (E) for that individual.

(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 as deferred in prior Form 990
(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)	(F) Compensation reported as deferred in prior Form 990
(1) RICHARD G KETCHUM	(i) (ii)	0 979,862	0 1,200,000	0 920,124	0 42,384	0 26,814	0 3,169,184	0 483,350
(2) JOHN M GANNON	(i) (ii)	0 167,814	0 125,000	0 37,347	0 59,373	0 3,393	0 392,927	0
(3) GERALDINE M WALSH	(i) (ii)	0 235,291	0 105,000	0 43,191	0 39,849	0 9,495	0 432,826	0
(4) EILEEN M FAMIGLIETTI	(i) (ii)	0 242,658	0 112,500	0 132,537	0 24,790	0 25,591	0 538,076	0 75,417
(5) MARCIA E ASQUITH	(i) (ii)	0 222,553	0 225,000	0 24,096	0 70,847	0 34,138	0 576,634	0

Schedule J (Form 990) 2011

Page 3

Part III

Supplemental Information

Complete this part to provide the information, explanation, or descriptions required for Part I, lines 1a, 1b, 3, 4c, 5a, 5b, 6a, 6b, 7, and 8. Also complete this part for any additional information.

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 2011 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 2011 INCLUDE: EILEEN M. FAMIGLIETTI - $129,027 RICHARD G. KETCHUM - $892,140 FOR FURTHER INFORMATION REGARDING THE COMPENSATION OF OFFICERS, PLEASE REFER TO THE 2011 RETURN OF ORGANIZATION EXEMPT FROM INCOME TAX - FORM 990 FOR THE FOUNDATION'S PARENT ORGANIZATION, THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC.

Schedule J (Form 990) 2011

Additional Data

Software ID:
Software Version:

- 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

2011

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 2011, 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) INVESTOR PROTECTION CAMPAIGN THE FINRA FOUNDATION LAUNCHED A RESEARCH-BASED, SOCIAL CHANGE CAMPAIGN DESIGNED TO REDUCE THE INCIDENCE OF INVESTMENT FRAUD AMONG 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. 4C) 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 MATERIALS AND PROGRAMS; AND A LONG-TERM PUBLIC OUTREACH CAMPAIGN. THE FOUNDATION IS A PROUD PARTNER IN THE DEPARTMENT OF DEFENSE FINANCIAL READINESS CAMPAIGN. 4D) OTHER PROGRAM SERVICES ARE COMPRISED OF THE FOLLOWING: NATIONAL FINANCIAL CAPABILITY STUDY IN 2009, THE FINRA FOUNDATION CONDUCTED A STUDY OF AMERICAN ADULTS' FINANCIAL CAPABILITY IN CONSULTATION WITH THE U.S. TREASURY DEPARTMENT AND THE PRESIDENT'S ADVISORY COUNCIL ON FINANCIAL LITERACY. THE STUDY WAS COMPRISED OF THREE LINKED SURVEYS: A NATIONAL SURVEY; A MILITARY SURVEY; AND A STATE-BY-STATE SURVEY. THE PURPOSE OF THE STUDY WAS 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 FOUNDATION IS WORKING WITH THE RE-NAMED PRESIDENT'S ADVISORY COUNCIL ON FINANCIAL CAPABILITY AND A VARIETY OF ORGANIZATIONS AND AGENCIES TO RE-FIELD THE STATE-BY-STATE AND MILITARY COMPONENTS OF THE STUDY IN 2012. 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 28, 2012. 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 OF FINRA	THE MANAGEMENT COMPENSATION COMMITTEE OF THE BOARD OF GOVERNORS (THE "COMMITTEE") IS RESPONSIBLE FOR SETTING PAY FOR EXECUTIVES OF FINRA AND SUBSIDIARIES WHOSE TOTAL COMPENSATION, INCLUDING INCENTIVE COMPENSATION, MAY EXCEED $1 MILLION. THE COMMITTEE IS COMPRISED OF FOUR NON-EMPLOYEE, NON-SECURITIES INDUSTRY MEMBERS OF THE BOARD OF GOVERNORS. THE COMMITTEE MET ON NOVEMBER 8, 2010, DECEMBER 7, 2010, JANUARY 24, 2011, AND AGAIN ON FEBRUARY 2, 2011 TO ESTABLISH INCENTIVE COMPENSATION ATTRIBUTABLE TO THE PERFORMANCE OF SERVICES DURING CALENDAR YEAR 2010 AND TO ESTABLISH BASE SALARIES FOR CALENDAR YEAR 2011. AS A GENERAL POLICY, FINRA HAS DETERMINED ITS COMPETITIVE COMPENSATION POSITIONING SHOULD BE CONSIDERED AGAINST A BROAD SECTION OF FINANCIAL SERVICES/CAPITAL MARKET COMPANIES, AS THIS SECTOR IS THE MOST LIKELY FROM WHICH WE RECRUIT TALENT AND TALENT IS RECRUITED FROM US. WE ALSO BENCHMARK AGAINST GENERAL INDUSTRY POSITIONS AND LAW DEPARTMENTS FOR JOBS THAT ARE NOT UNIQUE TO THE FINANCIAL SERVICES INDUSTRY. THE COMMITTEE ENGAGED MERCER, INC. ("MERCER"), A THIRD-PARTY COMPENSATION CONSULTANT, TO PREPARE A COMPENSATION STUDY FOR REVIEW AT THESE MEETINGS. IN DETERMINING A BENCHMARKING STRATEGY FOR KEY EXECUTIVES, FINANCIAL SERVICES ORGANIZATIONS (BROKER-DEALERS, INVESTMENT BANKS, FEDERAL RESERVE BANKS, COMMERCIAL BANKS, INSURANCE COMPANIES, EXCHANGES AND REGULATORS) WERE DETERMINED TO BE THE MOST RELEVANT GROUPS FOR COMPARISON PURPOSES. THE COMMITTEE AND MERCER ENGAGED IN SUBSTANTIAL RESEARCH AND CONSIDERATION OF THE FUNCTIONS AND OPERATIONS OF SEVERAL POTENTIAL COMPARATORS AS WELL AS GENERAL COMPETITIVE CONDITIONS. IN DETERMINING SALARY AND INCENTIVE COMPENSATION, MANAGEMENT AND THE COMMITTEE ALSO CONSIDER OPERATIONAL, STRATEGIC AND FINANCIAL FACTORS IN ADDITION TO INDIVIDUAL PERFORMANCE. THE COMMITTEE'S MINUTES OF THE NOVEMBER 8, 2010, DECEMBER 7, 2010, JANUARY 24, 2011 AND FEBRUARY 2, 2011 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 2010 INCENTIVE COMPENSATION OF THE CEO AT ITS MEETING ON FEBRUARY 2, 2011. 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 2011 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 (THROUGH DECEMBER 2011), DALLAS L. SALISBURY, IS PRESIDENT AND CEO. THIS INCLUDES $7,500 IN SUPPORT OF THE EBRI RETIREMENT CONFIDENCE SURVEY FOR 2012, AND $25,000 TOWARDS ANNUAL PARTNERSHIP IN THE AMERICAN SAVINGS EDUCATION COUNCIL WHICH THE EMPLOYEE BENEFIT RESEARCH INSTITUTE ADMINISTERS.
GRANTS AND OTHER ASSISTANCE - PURPOSE OF GRANT OR ASSISTANCE	SCHEDULE I, PART I	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) 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. CURTIS MEMORIAL LIBRARY, BRUNSWICK, ME (01-6000787) CURTIS MEMORIAL LIBRARY AND ITS PARTNERS ARE OFFERING A FINANCIAL LITERACY PROGRAM TAILORED TO THE SPECIFIC INFORMATION NEEDS AND LEARNING STYLES OF WOMEN IN THREE LIFE STAGES: TEENS AND YOUNG WOMEN ENTERING THE WORKFORCE (AGES 15-24), WOMEN IN MIDLIFE IN VARIOUS STAGES OF TRANSITION THAT REQUIRE SMART FINANCIAL MANAGEMENT (AGES 25-44) AND WOMEN ENTERING RETIREMENT AGE (AGES 55-65). CAMDEN PUBLIC LIBRARY CENTENNIAL FUND, CAMDEN, ME (01-0505002) THE CAMDEN PUBLIC LIBRARY AND ITS PARTNERS ARE UNDERTAKING A MULTIPART CAMPAIGN TO REACH EVERY HOUSEHOLD IN THE TOWN WITH A VARIETY OF PERSONAL FINANCE MESSAGES, RESOURCES AND UTILITIES. THE PROJECT GIVES PARTICULAR ATTENTION TO STUDENTS IN HIGH SCHOOL AND WORKING ADULTS IN THE COMMUNITY. CARMEL CLAY PUBLIC LIBRARY FOUNDATION, CARMEL, IN (35-1787253) CARMEL CLAY PUBLIC LIBRARY IS COLLABORATING WITH THE LOCAL PUBLIC SCHOOL SYSTEM, THE BALL STATE UNIVERSITY CENTER FOR ECONOMIC EDUCATION, THE INDIANA COUNCIL FOR ECONOMIC EDUCATION AND THE INDIANA YOUTH INSTITUTE TO ESTABLISH THE LIBRARY AS THE COUNTY'S FOCAL POINT FOR PERSONAL FINANCE LEARNING. THE PROGRAM WILL ADDRESS MONEY BASICS FOR TEENS, COLLEGE FINANCING, RETIREMENT PLANNING AND INVESTOR PROTECTION, AMONG OTHER TOPICS. 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. CONNECTICUT ASSOCIATION FOR HUMAN SERVICES, HARTFORD, CT (06-0653158) THE CONNECTICUT ASSOCIATION FOR HUMAN SERVICES WILL PARTNER WITH EXISTING VOLUNTEER INCOME TAX ASSISTANCE COALITIONS TO PROVIDE ACCESS TO FINANCIAL EDUCATION, FINANCIAL COACHING AND ASSET BUILDING PROGRAMS FOR 1,700 CLIENTS WHO QUALIFY FOR THE EARNED INCOME TAX CREDIT. THE PROJECT WILL FOCUS ON NEIGHBORHOODS IN FAIRFIELD, NEW HAVEN AND LITCHFIELD COUNTIES, WHERE 40 PERCENT OR MORE OF THE POPULATION QUALIFIES FOR THE REFUNDABLE TAX CREDIT. 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, CONVENED MATHEMATICIANS, MATH TEACHERS AND FINANCIAL LITERACY EXPERTS TO WORK WITH EACH OTHER AND WITH STUDENTS TO ADDRESS FINANCIAL LITERACY CONCEPTS WITHIN THE CORE MATHEMATICS CURRICULUM. ESTES PARK PUBLIC LIBRARY FOUNDATION, ESTES PARK, CO (74-2385213) ESTES VALLEY LIBRARY IS PARTNERING WITH THE LOCAL PUBLIC SCHOOLS TO IMPROVE THE FINANCIAL LITERACY OF CHILDREN AND TEENS THROUGHOUT THE REGION. THE LIBRARY IS ALSO SPONSORING PROGRAMS THAT PROVIDE PRACTICAL MONEY SKILLS TO YOUNG PARENTS AND YOUNG WORKERS IN THE AREA. FIRST NATIONS DEVELOPMENT INSTITUTE, LONGMONT, CO (54-1254491) PARTNERING WITH THE OFFICE OF THE SPECIAL TRUSTEE: NEW DISTRIBUTION CHANNELS FOR INVESTOR EDUCATION FIRST NATIONS DEVELOPMENT INSTITUTE IS PARTNERING WITH THE U.S. DEPARTMENT OF THE INTERIOR'S OFFICE OF THE SPECIAL TRUSTEE FOR AMERICAN INDIANS TO CREATE NEW MARKETING AND DISTRIBUTION CHANNELS TO MEET THE FINANCIAL AND INVESTOR EDUCATION NEEDS OF NATIVE AMERICANS. THIS PROJECT BUILDS UPON TWO PREVIOUS FOUNDATION GRANTS TO FIRST NATIONS THAT RESULTED IN THE DEVELOPMENT OF PRINT AND ONLINE VERSIONS OF A CURRICULUM, BUILDING NATIVE COMMUNITIES: INVESTING FOR THE FUTURE, AND TWO COMPLEMENTARY RESOURCES, AN INSTRUCTOR GUIDE AND A RESOURCE GUIDE, DESIGNED FOR TRAINERS WHO PROVIDE INVESTOR EDUCATION TO NATIVE AMERICANS. FLORIDA INTERNATIONAL UNIVERSITY COLLEGE OF LAW, MIAMI, FL (65-0177616) 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. 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 THE 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 BURLINGTON COUNTY LIBRARY, WESTAMPTON, NJ (22-3346975) BURLINGTON COUNTY LIBRARY SYSTEM IS PARTNERING WITH RUTGERS UNIVERSITY COOPERATIVE EXTENSION, THE NEW JERSEY COALITION FOR FINANCIAL EDUCATION AND THE LIBRARY/TECHNOLOGY CENTER AT NEARBY JOINT BASE MCGUIRE-DIX-LAKEHURST TO OFFER A VARIETY OF PERSONAL FINANCE AND INVESTING WORKSHOPS FOR ADULTS. THESE FACE-TO-FACE SESSIONS ARE SUPPLEMENTED BY CUSTOMIZABLE WEB-BASED LEARNING RESOURCES. MARTIN COUNTY LIBRARY SYSTEM, STUART, FL, FISCAL AGENT - FRIENDS OF THE BLAKE LIBRARY IN STUART, INC. (59-6155142) MARTIN COUNTY LIBRARY SYSTEM AND THE UNIVERSITY OF FLORIDA COOPERATIVE EXTENSION ARE PROVIDING A GRADUATED SERIES OF PERSONAL FINANCE AND INVESTING WORKSHOPS FOR LOWER-INCOME RESIDENTS REFERRED BY HABITAT FOR HUMANITY AND LOCAL SOCIAL SERVICES AGENCIES. THE PROGRAMMING EMPHASIZES THE FINANCIAL CONSIDERATIONS PERTAINING TO HOMEOWNERSHIP, SAVING FOR CHILDREN'S EDUCATION, PLANNING FOR RETIREMENT AND REBUILDING A NEST EGG. FRIENDS OF THE BOLIVAR COUNTY LIBRARY SYSTEM, CLEVELAND, MS (51-0161498) THE LIBRARY SYSTEM IS COLLABORATING WITH MISSISSIPPI EXTENSION SERVICES TO PROVIDE FINANCIAL EDUCATION PROGRAMS FOR LOW-INCOME WOMEN AND THEIR CHILDREN LIVING IN THE MISSISSIPPI DELTA. CHILDREN LIVING IN THE MISSISSIPPI DELTA.
FRIENDS OF THE CHESTERFIELD COUNTY PUBLIC LIBRARY, CHESTERFIELD, VA	(52-1245254)	CHESTERFIELD COUNTY PUBLIC LIBRARY IS WORKING WITH LOCAL ELEMENTARY SCHOOLS, PTAS AND THE FEDERAL RESERVE BANK OF RICHMOND TO HELP MOMS AND THEIR CHILDREN UNDERSTAND THE MATHEMATICS OF PERSONAL FINANCE AND INVESTING. FRIENDS OF THE FLORENCE COUNTY LIBRARY SYSTEM, FLORENCE, SC (57-0697650) FLORENCE COUNTY LIBRARY SYSTEM IS PURSUING A MULTIGENERATIONAL FINANCIAL LITERACY STRATEGY IN PARTNERSHIP WITH THE SOUTH CAROLINA DEPARTMENT OF CONSUMER AFFAIRS AND OTHERS. THE PROJECT REACHES CHILDREN, TEENS/YOUNG ADULTS, SENIORS AND LOW- TO MODERATE-INCOME RESIDENTS TO HELP THEM BECOME FINANCIALLY SAVVY AND ALERT THEM TO MONEY SCAMS. FRIENDS OF THE GEORGETOWN COUNTY LIBRARY, GEORGETOWN, SC (57-0918036) GEORGETOWN COUNTY LIBRARY AND ITS PARTNERS ARE EDUCATING THE COMMUNITY ABOUT MONEY MATTERS THROUGH A SERIES OF CREATIVE, MULTIMEDIA ACTIVITIES THAT REFERENCE THE COUNTY'S ECONOMIC HISTORY AND THAT APPEAL TO THE DIFFERENT LEARNING STYLES AND INTERESTS OF RESIDENTS OF ALL AGES. THE LIBRARY AND PARTNER ORGANIZATIONS ARE CONDUCTING OUTREACH TO AREA CHILDCARE PROVIDERS, THE COUNTY DETENTION CENTER, THE LOCAL BOARD OF DISABILITIES AND SPECIAL NEEDS, AND OTHER AGENCIES FOR THE PURPOSE OF IMPROVING THE BASIC FINANCIAL LITERACY OF THOSE IN NEED. FRIENDS OF THE LIBRARY OF APACHE JUNCTION, APACHE JUNCTION, AZ (86-0508052) THE APACHE JUNCTION PUBLIC LIBRARY IS PARTNERING WITH THE UNIVERSITY OF ARIZONA TO OFFER FINANCIAL LITERACY CLASSES AT THE LIBRARY AND OTHER COMMUNITY LOCATIONS, EMPHASIZING THE SMALL STEPS RESIDENTS CAN TAKE TO LEAD A HEALTHY LIFESTYLE, BOTH PHYSICALLY AND FINANCIALLY. FRIENDS OF THE NEWTON FREE LIBRARY, NEWTON, MA (04-2691337) NEWTON FREE LIBRARY IS SPONSORING A SUSTAINABLE, INTER-GENERATIONAL RETIREMENT PLANNING CLUB FOR WOMEN IN PARTNERSHIP WITH COMMUNITY ORGANIZATIONS, AND TRAINING 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 IS DELIVERING 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 IS ALSO CONDUCTING OUTREACH TO A NEARBY HIGH SCHOOL FOR PREGNANT TEENS AND A JUVENILE DETENTION CENTER TO HELP EDUCATE RESIDENTS ON MONEY MANAGEMENT BASICS. GREEN MOUNTAIN UNITED WAY, MONTPELIER, VT (03-0261384) GREEN MOUNTAIN UNITED WAY WILL MOBILIZE COALITION PARTNERS TO CREATE LASTING CHANGE IN THE AVAILABILITY OF FINANCIAL EDUCATION FOR THE RESIDENTS OF SIX RURAL VERMONT COUNTIES. PARTNERS WILL CONDUCT TRAIN-THE-PROFESSIONAL WORKSHOPS FOR LOCAL SOCIAL SERVICE AGENCY STAFF, AND PROVIDE A VARIETY OF WORKPLACE-BASED AND PUBLICLY AVAILABLE FINANCIAL EDUCATION WORKSHOPS. THE PROJECT WILL BE SUPPORTED BY A COMPREHENSIVE SOCIAL MARKETING CAMPAIGN. GREENSBORO PUBLIC LIBRARY FOUNDATION, GREENSBORO, NC (56-2037761) THE GRANT ENABLES 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 IS ALSO MAKING 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. WASHINGTON-CENTERVILLE PUBLIC LIBRARY, CENTERVILLE, OH, FISCAL AGENT - HITHERGREEN SENIOR CENTER OF CENTERVILLE/WASHINGTON TOWNSHIP (31-1050721) WASHINGTON-CENTERVILLE PUBLIC LIBRARY AND THE NEARBY HITHERGREEN SENIOR CENTER ARE ESTABLISHING A SERIES OF FINANCIAL SEMINARS GEARED TOWARDS ADULTS AGES 50 AND OVER IN THE REGION. AMONG VARIOUS TOPICS, THE SEMINARS ADDRESS HEALTHY FINANCES AND ESTABLISHING SAVING AND INVESTING GOALS, RECOVERING FROM JOB LOSS AND OTHER FINANCIAL CHALLENGES, IRAS, INVESTING STRATEGIES FOR SENIORS, IDENTITY THEFT AND FINANCIAL SCAMS TARGETING SENIORS. 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. INNOVATIONS FOR POVERTY ACTION, NEW HAVEN, CT (06-1660068) EVALUATING THE EFFECTIVENESS OF FINANCIAL EDUCATION AND COMMITMENT SAVINGS CONTRACTS RESEARCHERS ARE INVESTIGATING THE EXTENT TO WHICH COMMITMENT CONTRACTS IMPROVE THE FINANCIAL WELL-BEING OF LOW-INCOME INDIVIDUALS. BASED ON BEHAVIORAL FINANCE, COMMITMENT CONTRACTS HELP CLIENTS ACQUIRE THE DISCIPLINE TO REACH SELF-DEFINED GOALS. CREDIT WHERE CREDIT IS DUE, A NEW YORK CITY NONPROFIT THAT FACILITATES WEALTH BUILDING THROUGH FINANCIAL EDUCATION AND COMMUNITY PARTNERSHIPS WITH CREDIT UNIONS AND OTHERS, IS HELPING RESEARCHERS FACILITATE RANDOMIZED CONTROLLED FIELD EXPERIMENTS AND PROVIDING FINANCIAL EDUCATION. JACKSON DISTRICT LIBRARY, JACKSON, MI (38-2184437) JACKSON DISTRICT LIBRARY IS PARTNERING WITH UNITED WAY AND OTHER COMMUNITY AGENCIES TO DELIVER FINANCIAL EDUCATION RESOURCES IN THE COUNTY AND IMPROVE COMMUNICATIONS ABOUT FINANCES AMONG LOW- AND MODERATE-INCOME HOUSEHOLDS. PARTICIPANTS DEVELOP A FINANCIAL PLAN, INCREASE THEIR KNOWLEDGE ABOUT MONEY MANAGEMENT AND INVESTING, AND GAIN BETTER ACCESS TO LEARNING RESOURCES WITH SUPPORT FROM A PERSONAL FINANCE HELP DESK SERVICE AND CLASSES BASED ON THE FDIC MONEY SMART CURRICULUM. JACKSONVILLE PUBLIC LIBRARIES FOUNDATION INC., JACKSONVILLE, FL (59-2836110) THE LIBRARY IS PARTNERING WITH LOCAL AGENCIES AND ORGANIZATIONS TO HELP MEET THE FINANCIAL EDUCATION NEEDS OF NORTHEAST FLORIDA RESIDENTS-INCLUDING VETERANS AND MILITARY FAMILIES-USING WORKSHOPS AND OTHER COMMUNITY LEARNING EVENTS. LAWRENCE PUBLIC LIBRARY FOUNDATION, LAWRENCE, KS (48-1179872) LAWRENCE PUBLIC LIBRARY IS INCORPORATING A NEW FINANCIAL WELLNESS CLINIC INTO ITS BUSINESS CENTER TO PROVIDE STRAIGHTFORWARD MONEY MANAGEMENT AND INVESTING INFORMATION TO LOW-INCOME FAMILIES. THIS IS ACCOMPLISHED THROUGH PARTNERSHIPS WITH THE LOCAL SCHOOL DISTRICT AND SOCIAL SERVICES AGENCIES, A SERIES OF EDUCATIONAL WORKSHOPS AND A PROMOTIONAL CAMPAIGN USING BOTH TRADITIONAL AND SOCIAL MEDIA. LIBRARIES OF EASTERN OREGON, FOSSIL, OR (93-1280400) THIS CONSORTIUM IS REACHING 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 IS DISSEMINATING PROGRAMS FOR SENIOR CITIZENS AND LATINO AND NATIVE AMERICAN RESIDENTS THROUGH PARTNERSHIPS WITH COMMUNITY COLLEGES AND OTHER AGENCIES, AND CREATING PERSONAL FINANCE BOOK CLUBS IN ENGLISH AND SPANISH. THE LIBRARY FOUNDATION, SERVING THE PEOPLE OF MULTNOMAH COUNTY LIBRARY, PORTLAND, OR (93-1190983) THE LIBRARY IS PARTNERING 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 IS PILOTING 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.
MAINE CENTERS FOR WOMEN, WORK & COMMUNITY, AUGUSTA, ME (01-6000769)		MAINE CENTERS FOR WOMEN, WORK & COMMUNITY WILL ADD MODULES ON INVESTING AND RETIREMENT PLANNING TO THEIR BASIC MONEY MANAGEMENT CURRICULUM, INTEGRATE FINANCIAL PLANNING AND INVESTING SKILLS AS CORE COMPETENCIES IN THEIR WORKFORCE DEVELOPMENT PROGRAMS, AND CREATE MORE EFFECTIVE MARKETING AND PROMOTIONAL TOOLS TO SUPPORT THEIR WORK. MARTINSBURG-BERKELEY COUNTY PUBLIC LIBRARIES, MARTINSBURG, WV (55-0364258) THE MARTINSBURG-BERKELEY COUNTY PUBLIC LIBRARIES ARE PARTNERING WITH THE BLUE RIDGE COMMUNITY AND TECHNICAL COLLEGE TO ESTABLISH A FOUR-PART FINANCIAL LITERACY PROGRAM SERVING COUNTY RESIDENTS UNDER THE THEME "FREE-WAY TO FINANCIAL INFORMATION." THE PROGRAM INCLUDES A FAMILY FINANCIAL FAIR FEATURING SERVICES AVAILABLE IN THE EASTERN PANHANDLE OF WEST VIRGINIA, SPECIAL PROGRAMMING ON FINANCIAL BASICS FOR CHILDREN AND TEENS DELIVERED WITH ASSISTANCE FROM THE SHENANDOAH VALLEY DISCOVERY MUSEUM, FINANCIAL SEMINARS FOR ADULTS AND A "CASH CORRIDOR" ON THE LIBRARY SYSTEM'S WEBSITE WITH MULTIMEDIA PERSONAL FINANCE RESOURCES. MIDDLE COUNTRY LIBRARY FOUNDATION, CENTERREACH, NY (11-3388626) IN PARTNERSHIP WITH AREA MUSEUM EDUCATORS, MIDDLE COUNTRY PUBLIC LIBRARY IS CREATING INTERACTIVE AND TRAVELING EXHIBITS ON MONEY-RELATED TOPICS FOR STUDENTS IN GRADES KINDERGARTEN THROUGH GRADE FIVE. THE EXHIBITS ARE INSTALLED IN THE LIBRARY'S "MUSEUM CORNER" AND ACCOMPANIED BY A SCHEDULE OF FAMILY FINANCIAL LITERACY NIGHTS WITH CONCURRENT WORKSHOPS FOR PARENTS AND CHILDREN. THE LIBRARY IS ALSO DESIGNING PERSONAL FINANCE KITS THAT INCLUDE BOOKS, MEDIA AND GAMES FOR CLASSROOM AND HOME USE. MILWAUKEE PUBLIC LIBRARY FOUNDATION, MILWAUKEE, WI (39-1610233) THE MILWAUKEE PUBLIC LIBRARY IS LEVERAGING 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. MONROE COUNTY PUBLIC LIBRARY FOUNDATION, BLOOMINGTON, IN (35-1892355) THE MONROE COUNTY PUBLIC LIBRARY IS TARGETING TEENS AND 20-SOMETHINGS, INCLUDING SPANISH SPEAKERS, THROUGH 15 WORKSHOPS AND 15 "TALK-TO-AN-EXPERT" SESSIONS ON FIVE HIGH-PRIORITY TOPICS: BUDGETING, SAVING, SPENDING, MANAGING CREDIT AND DEBT, AND INVESTING. PROGRAMS OCCUR AT THE LIBRARY AND VARIOUS COUNTY LOCATIONS, AND ARE PRODUCED WITH ASSISTANCE FROM UNITED WAY, IN PART TO LEVERAGE COMMUNITYWIDE ATTENTION TO INDIANA SAVES AND MONEY SMART WEEK. MONTANA STATE UNIVERSITY EXTENSION, BOZEMAN, MT (81-6010045) MONTANA STATE UNIVERSITY EXTENSION WILL PROVIDE AN EDUCATION SERIES ON BASIC MONEY MANAGEMENT, INVESTMENTS, RETIREMENT PLANNING AND ESTATE PLANNING FOR EMPLOYEES OF MSU SATELLITE CAMPUSES AND OTHER WORKING MONTANANS. SESSIONS WILL BE OFFERED IN-PERSON IN BOZEMAN, AND AS "LIVE WEBINARS" TO RURAL HOST LOCATIONS AND INDIVIDUALS. SESSIONS WILL BE ARCHIVED ONLINE TO ACCOMMODATE VIEWING AT TIMES THAT ARE CONVENIENT FOR PARTICIPANTS UNABLE TO ATTEND THE LIVE WEBINARS. SANTA CLARA COUNTY LIBRARY, LOS GATOS, CA, FISCAL AGENT - MORGAN HILL COMMUNITY FOUNDATION (80-0001382) THE SANTA CLARA COUNTY LIBRARY PROJECT EMPHASIZES STAFF TRAINING ON FINANCIAL TOPICS AND RELATED REFERENCE RESOURCES. THIS TRAINING IS MADE AVAILABLE TO LIBRARIANS THROUGHOUT THE REGION. IN ADDITION TO STAFF TRAINING, PATRON WORKSHOPS ON INVESTING LITERACY ARE OFFERED AT SANTA CLARA'S SEVEN LIBRARIES. THE PUBLIC WORKSHOPS ARE COMPLEMENTED BY A PERSONAL FINANCE PORTAL ADDED TO THE LIBRARY'S WEBSITE, OFFERING RELEVANT MATERIALS AND ACCESS TO ELECTRONIC DATABASES. EMMET O'NEAL LIBRARY, MOUNTAIN BROOK, AL FISCAL AGENT - MOUNTAIN BROOK LIBRARY FOUNDATION (58-2094979) THE EMMET O'NEAL LIBRARY IS COLLABORATING WITH THE UNIVERSITY OF ALABAMA-BIRMINGHAM AND JUNIOR ACHIEVEMENT TO OFFER MULTIGENERATIONAL PROGRAMMING OF BROAD APPEAL TO THE COMMUNITY. THE PROGRAM BEGINS WITH PERFORMANCES BY A PROFESSIONAL STORYTELLER, WHO PREPARES NARRATIVES ABOUT MONEY AND INVESTING AND HOW THEY CAN AFFECT RELATIONSHIPS, PARTICULARLY AMONG FRIENDS AND FAMILY. THIS IS FOLLOWED BY A SERIES OF EDUCATIONAL OFFERINGS TARGETING TEENS, YOUNG FAMILIES AND WOMEN WHO ARE RECENTLY WIDOWED OR DIVORCED AND HAVE NEVER BEFORE HANDLED FINANCES. NATIONAL COUNCIL ON AGING (13-1932384) THE NATIONAL COUNCIL ON AGING AND ITS PARTNERS WILL CREATE, PROMOTE AND MAINTAIN AN ONLINE DECISION TOOL TO HELP OLDER HOMEOWNERS (AGES 55 AND OVER) UNDERSTAND OPTIONS AND RISKS FOR USING HOME EQUITY AS A RETIREMENT RESOURCE. NATIONAL LABOR COLLEGE, SILVER SPRING, MD (52-0895834) INVESTOR EDUCATION FOR WORKING FAMILIES THE NATIONAL LABOR COLLEGE IS PARTNERING WITH UNIONS FROM MULTIPLE INDUSTRY SECTORS, AS WELL AS APPRENTICESHIP PROGRAMS, TO PROVIDE ACCESS TO FACE-TO-FACE AND ONLINE INVESTOR EDUCATION TO UNION MEMBERS AND THEIR FAMILIES. NORTH CAROLINA STATE UNIVERSITY, RALEIGH, NC (56-6000756) RESEARCHERS AT NC STATE AND GEORGE MASON UNIVERSITY ARE PARTNERING WITH A TECHNOLOGY FIRM TO CREATE A USER-FRIENDLY FRAUD DETECTION TOOL BASED ON COMPARISONS OF FINANCIAL AND NON-FINANCIAL DISCLOSURES IN SEC 10K FILINGS. THE TEAM USED A PREVIOUS FOUNDATION GRANT TO DESIGN AND VALIDATE A PROTOTYPE TOOL. THE SUCCESS OF THAT EFFORT FORMS THE BASIS FOR THE CURRENT PROJECT, WHICH WILL RATIONALIZE THE TOOL AND MAKE IT WIDELY AVAILABLE TO REGULATORS, AUDITORS AND INVESTORS. 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) 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. ORANGE COUNTY LIBRARY DISTRICT, ORLANDO, FL (59-2045143) ORANGE COUNTY LIBRARY SYSTEM IS CONTINUING ITS PARTNERSHIP WITH THE GRADUATE SCHOOL OF BUSINESS AT ROLLINS COLLEGE TO SERVE THE FINANCIAL AND INVESTOR EDUCATION NEEDS OF LOWER-INCOME AND SPANISH-SPEAKING RESIDENTS, ESPECIALLY WAGE EARNERS IN THE REGION'S HOSPITALITY INDUSTRY. PACE UNIVERSITY SCHOOL OF LAW, NEW YORK, NY (13-5562314) EXPERTS AT PACE LAW SCHOOL HAVE DEVELOPED AND ARE DISTRIBUTING AN EDUCATIONAL GUIDE TO HELP SMALL, INDIVIDUAL INVESTORS UNDERSTAND THEIR LEGAL RIGHTS AND RESPONSIBILITIES IN ORDER TO AVOID DISPUTES, OR SEEK RESOLUTION THROUGH ARBITRATION OR MEDIATION IN THE EVENT OF A DISPUTE. PELHAM PUBLIC LIBRARY, PELHAM, AL, FISCAL AGENT - PELHAM LIBRARY GUILD (26-4800985) THE UNIVERSITY OF ALABAMA, JEFFERSON STATE COMMUNITY COLLEGE AND THE ALABAMA COOPERATIVE EXTENSION CENTER ARE ASSISTING PELHAM PUBLIC LIBRARY IN DELIVERING A FINANCIAL LITERACY INITIATIVE FOR YOUTH, ADULTS, SENIORS AND SPANISH-SPEAKING LIBRARY PATRONS. PEPPERDINE UNIVERSITY SCHOOL OF LAW, MALIBU, CA (95-1644037) THE STRAUS INSTITUTE FOR DISPUTE RESOLUTION AT PEPPERDINE UNIVERSITY LAW SCHOOL IS ONE OF THE WORLD'S LEADING EDUCATIONAL PROGRAMS IN THE FIELD OF DISPUTE RESOLUTION. A NEW INVESTOR ADVOCACY CLINIC WILL COMPLEMENT THE LAW SCHOOL'S EXTENSIVE PROGRAM BY PROVIDING STUDENTS WITH THE OPPORTUNITY TO REPRESENT UNDERSERVED INVESTORS IN THE LOS ANGELES AREA.
PIKE COUNTY PUBLIC LIBRARY DISTRICT FRIENDS, PIKEVILLE, KY	(80-0415553)	THE LIBRARY DISTRICT IS DEVELOPING MULTIGENERATIONAL FINANCIAL EDUCATION PROGRAMS FOR CONSUMERS; PARTNERING WITH THE SCHOOL SYSTEM TO PRESENT PROGRAMS IN ALL ELEMENTARY AND HIGH SCHOOLS IN THIS RURAL COUNTY; AND COLLABORATING WITH THE PIKE COUNTY EXTENSION OFFICE TO OFFER MONTHLY PROGRAMS ON PLANNING FOR RETIREMENT. 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. SCHAUMBURG TOWNSHIP DISTRICT LIBRARY, SCHAUMBURG, IL FISCAL AGENT - ROTARY CLUB OF SCHAUMBURG-HOFFMAN ESTATES CHARITABLE FOUNDATION, INC. (36-3891070) SCHAUMBURG TOWNSHIP DISTRICT LIBRARY IS PRODUCING AND MARKETING AN INVESTOR EDUCATION WEB PORTAL, INCLUSIVE OF VIDEOS INTRODUCING TEEN AND ADULT PATRONS TO INVESTING-RELATED LIBRARY COLLECTIONS AND REFERENCE SERVICES; AND CREATING A TRAVELING MULTIMEDIA EXHIBIT TO SHARE WITH OTHER ILLINOIS LIBRARIES THAT PROVIDES HIGH-IMPACT VISUAL LESSONS ABOUT INVESTING. SANTA CRUZ COMMUNITY VENTURES, SANTA CRUZ, CA (77-0247648) SANTA CRUZ COMMUNITY VENTURES WILL COLLABORATE WITH A COALITION OF LOCAL PARTNERS TO EXPAND THE ECONOMIC JUSTICE PROJECT-A SOCIAL SERVICE MODEL INTEGRATING FINANCIAL AND CONSUMER EDUCATION WITH LEGAL AND OTHER SUPPORT SERVICES-TO HELP 2,000 LOW- TO MODERATE-INCOME HISPANIC ADULTS IMPROVE THEIR FINANCIAL AND ECONOMIC PROSPECTS. STEP UP SAVANNAH, SAVANNAH, GA (30-0526014) STEP UP SAVANNAH WILL BUILD ON A SUCCESSFUL PILOT EFFORT TO INTEGRATE FINANCIAL EDUCATION CLASSES AT EMPLOYER SITES FROM THE HOSPITALITY, HEALTHCARE, WAREHOUSING AND GOVERNMENT SECTORS, AND WILL DESIGN A NEW REFERRAL SYSTEM TO STEER INDIVIDUALS FROM EMPLOYER PROGRAMS TO NEIGHBORHOOD CENTERS FOR WORKING FAMILIES FOR MORE INDIVIDUALIZED ASSISTANCE. SUFFOLK UNIVERSITY LAW SCHOOL, BOSTON, MA (04-2133255) THE SUFFOLK UNIVERSITY LAW SCHOOL WILL EXPAND ITS NATIONALLY RECOGNIZED IN-HOUSE CLINICAL LEGAL EDUCATION PROGRAM TO INCLUDE A NEW INVESTOR ADVOCACY CLINIC. IN ADDITION TO PROVIDING LEGAL HELP TO UNDERSERVED INVESTORS, PARTICIPATING LAW STUDENTS WILL BE REQUIRED TO CONDUCT INVESTOR EDUCATION PROGRAMS AT LOCAL COMMUNITY CENTERS AND LIBRARIES. 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. UNITED NEGRO COLLEGE FUND (UNCF) SPECIAL PROGRAMS CORPORATION, FAIRFAX, VA (54-1980487) 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 MIAMI DADE CENTER FOR FINANCIAL STABILITY, MIAMI, FL (59-0830840) THE UNITED WAY CENTER FOR FINANCIAL STABILITY WILL REACH OUT TO UNDER-EMPLOYED AND UN-EMPLOYED INDIVIDUALS AND FAMILIES IN MIAMI-DADE COUNTY THROUGH TWO SOUTH FLORIDA WORKFORCE OFFICES, TAX PREPARATION SITES AND LOCAL SCHOOLS. THE PROGRAM WILL PROVIDE CROSS-TRAINING FOR AGENCY VOLUNTEERS AND STAFF TO ENABLE THEM TO PROVIDE BASIC EDUCATION FOR THE FAMILIES THEY SERVE, AND THE ABILITY TO REFER CLIENTS TO THE CENTER FOR MORE COMPREHENSIVE COUNSELING AND COACHING. UNITED WAY FOR SOUTHEASTERN MICHIGAN, DETROIT, MI (20-3099071) THE UNITED WAY FOR SOUTHEASTERN MICHIGAN WILL COLLABORATE WITH THE DETROIT LOCAL INITIATIVES SUPPORT CORPORATION TO SUPPORT A NETWORK OF FINANCIAL COACHES WORKING IN LOW-INCOME COMMUNITIES IN AND AROUND DETROIT TO ASSIST INDIVIDUAL FAMILIES WITH UNDERSTANDING AND OVERCOMING THE BARRIERS TO BUILDING WEALTH. UNITED WAY OF 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, 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 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 CHITTENDEN COUNTY, SOUTH BURLINGTON, VT (03-0217229) THE UNITED WAY OF CHITTENDEN COUNTY WILL LEAD A COALITION OF COMMUNITY PARTNERS IN DEVELOPING AND TESTING TWO ON-SITE WORKPLACE-BASED FINANCIAL AND INVESTOR EDUCATION PROGRAMS AT 18 SITES. THIS PROJECT BUILDS ON AN EXISTING RELATIONSHIP WITH EMPLOYERS THROUGH THE WORKING BRIDGES PROJECT, WHICH DEVELOPS AND PILOTS INNOVATIVE STRATEGIES TO IMPROVE THE RETENTION, PROMOTION AND FINANCIAL STABILITY OF THEIR EMPLOYEES. UNITED WAY OF 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 GREATER CHATTANOOGA, CHATTANOOGA, TN	(62-0565962)	THE UNITED WAY OF GREATER CHATTANOOGA WILL PROVIDE FINANCIAL EDUCATION TRAINING FOR THE STAFF AND LEADERSHIP OF CHURCHES, NON-PROFIT AGENCIES AND COMMUNITY PARTNERS THAT PROVIDE FINANCIAL ASSISTANCE TO LOW AND MODERATE INCOME INDIVIDUALS AND FAMILIES, PROVIDE TRAINERS FOR "LUNCH AND LEARN" SESSIONS SPONSORED BY LOCAL NON-PROFIT AGENCIES AND THEIR CLIENTS, PROVIDE ONE-ON-ONE DEBT REDUCTION COUNSELING AND FINANCIAL COACHING FOR CLIENTS REFERRED BY PARTNER NON-PROFITS WHO HAVE RECEIVED TRAINING, AND UNDERTAKE MARKETING EFFORTS TO REACH OUTLYING RURAL COUNTIES AS WELL AS TARGETED URBAN NEIGHBORHOODS. UNITED WAY OF GREATER KANSAS CITY, KANSAS CITY, MO (44-0545817) THE UNITED WAY OF GREATER KANSAS CITY WILL COLLABORATE WITH FIVE SERVICE PROVIDERS TO DEVELOP A MODEL FOR INTEGRATING FINANCIAL EDUCATION INTO SERVICES FOR HOMELESS OR NEAR-HOMELESS YOUNG ADULTS, 16-24 YEARS OF AGE, WHO ARE EITHER EMPLOYED OR HAVE A STABLE SOURCE OF INCOME. ONE OUTCOME OF THE PROJECT WILL BE A REPORT ON LESSONS-LEARNED AND BEST PRACTICES THAT WILL BE SHARED WITH OTHER ORGANIZATIONS THAT SERVE AT-RISK YOUNG PEOPLE. UNITED WAY OF MARION COUNTY, OCALA, FL (59-0946642) THE UNITED WAY OF MARION COUNTY WILL CONDUCT A TWO-YEAR CAMPAIGN TO BREAK DOWN THE BARRIERS TO PARTICIPATION IN THE MARION COUNTY PROSPERITY CAMPAIGN BY SPANISH-SPEAKING RESIDENTS IN RURAL AREAS OF THE COUNTY. THE PROJECT WILL EMPHASIZE FREE TAX ASSISTANCE FOR LOW-INCOME SPANISH-SPEAKING CLIENTS AND WILL PROVIDE SPANISH-LANGUAGE MONEY SMART WORKSHOPS. THE PROJECT WILL BE SUPPORTED BY A COMPREHENSIVE SOCIAL MARKETING CAMPAIGN. UNITED WAY OF TAMPA BAY, TAMPA, FL (59-3725701) THE UNITED WAY OF TAMPA BAY WILL ADDRESS THE PERVASIVE USE OF TAX REFUND ANTICIPATION LOANS IN TWO LOW-INCOME NEIGHBORHOODS IN THE TAMPA BAY AREA THROUGH A COMBINATION OF NEIGHBOR-TO-NEIGHBOR OUTREACH, CLASSROOM EDUCATION, INDIVIDUALIZED FINANCIAL COACHING AND A SOCIAL MARKETING CAMPAIGN. UNITED WAY OF 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. UNITED WAY OF TUCSON AND SOUTHERN ARIZONA; TUCSON, AZ (86-0098932) THE UNITED WAY OF TUCSON AND SOUTHERN ARIZONA WILL BUILD ON THE SUCCESS OF ITS PROSPERITY CENTER MODEL BY HELPING COMMUNITIES PROVIDE FINANCIAL COACHING AND ASSET-BUILDING OPPORTUNITIES FOR LOW-INCOME INDIVIDUALS AND FAMILIES THROUGH PILOT PROSPERITY NEIGHBORHOODS. UNITED WAY OF WEST CENTRAL MISSISSIPPI; VICKSBURG, MS (64-0330259) UNITED WAY OF WEST CENTRAL MISSISSIPPI WILL PARTNER WITH LOCAL COMMUNITY GROUPS IN THE LOWER DELTA REGION TO DESIGN AND PROVIDE A SUSTAINABLE BASIC MONEY MANAGEMENT EDUCATION PROGRAM FOR LOW-INCOME CITIZENS. UNIVERSITY OF 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 MIAMI SCHOOL OF LAW (59-0624458) THE UNIVERSITY OF MIAMI SCHOOL OF LAW WILL ADD AN INVESTOR ADVOCACY CLINIC TO ITS CLINICAL PROGRAM EXPANDING THE OPPORTUNITIES FOR STUDENTS TO SERVE INVESTORS RESIDING IN SOUTH FLORIDA. THE SCHOOL WILL ALSO BUILD ON ITS OUTSTANDING COMMUNITY OUTREACH PROGRAMS TO OFFER PUBLIC SEMINARS ON INVESTING AND RELATED ISSUES, INCLUDING DETECTING ABUSES AND POTENTIAL FRAUDULENT INVESTMENTS. UNIVERSITY OF TENNESSEE, KNOXVILLE, TN (62-6001636) 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. DELIVERABLES INCLUDE A RIGOROUS, THIRD-PARTY EVALUATION USING A QUASI-EXPERIMENTAL METHODOLOGY. UNIVERSITY OF TENNESSEE, KNOXVILLE, TN (62-6001636) LOVE YOUR MONEY THE UNIVERSITY OF TENNESSEE AND ITS PARTNERS ARE ENHANCING THE LOVE YOUR MONEY FINANCIAL EDUCATION PROGRAM FOR COLLEGE STUDENTS (WWW.LOVEYOURMONEY.ORG) TO ALLOW INSTRUCTORS TO MONITOR AND ASSESS INDIVIDUAL STUDENT PROGRESS, THUS MAKING THE TOOL MORE SUITABLE AS A COURSE ASSIGNMENT. THE PROJECT TEAM IS ALSO UNDERTAKING MARKETING ACTIVITIES THAT ENGAGE FACULTY MEMBERS AND OTHERS RESPONSIBLE FOR SHAPING STUDENT LEARNING AND COLLEGE LIFE EXPERIENCES, EXPANDING THE NUMBER OF CAMPUSES USING LOVE YOUR MONEY, AND CONTINUING TO EVALUATE THE PROGRAM TO DETERMINE ITS LONGER-TERM EFFECTIVENESS IN PROMOTING POSITIVE FINANCIAL BEHAVIOR AS UNDERCLASSMEN PROGRESS THROUGH SUBSEQUENT COLLEGE YEARS. WOMEN'S INSTITUTE FOR A SECURE RETIREMENT (WISER), 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.
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 AND AS WELL AS REVERSAL OF GRANT EXPENSES RELATING TO PRIOR PERIODS.
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. 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. APPLIED RESEARCH & CONSULTING LLC - PROVIDES CONSULTING AND RESEARCH FOR THE MILITARY FINANCIAL EDUCATION PROJECT, INVESTOR PROTECTION CAMPAIGN, AND THE NATIONAL FINANCIAL CAPABILITY STUDY. PHOENIX LITHOGRAPHING - PROVIDES PRINTING SERVICES FOR SAI.ORG COLLATERAL MATERIALS.
GOVERNING BODY AND MANAGEMENT	FORM 990, PART VI, LINE 1A	PURSUANT TO THE FINRA INVESTOR EDUCATION FOUNDATION'S BY-LAWS, THE CORPORATION SHALL HAVE A COMMITTEE OF THE BOARD OF DIRECTORS (THE "FUNDING REQUEST COMMITTEE") WHICH SHALL AT ALL TIMES CONSIST OF ONE NON-PUBLIC DIRECTOR AND ONE PUBLIC DIRECTOR, AND SHALL HAVE THE POWER AND AUTHORITY OF THE BOARD OF DIRECTORS TO REVIEW, EVALUATE, AND APPROVE REQUESTS FOR FUNDING IN AN AMOUNT GREATER THAN TEN THOUSAND DOLLARS ($10,000) BUT LESS THAN ONE HUNDRED THOUSAND DOLLARS ($100,000). ALL REQUESTS EQUAL TO OR GREATER THAN ONE HUNDRED THOUSAND DOLLARS ($100,000) ARE APPROVED BY THE BOARD OF DIRECTORS.

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

Cat. No. 51056K

Schedule O (Form 990 or 990-EZ) 2011

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE R
(Form 990)

Department of the Treasury
Internal Revenue Service

Related Organizations and Unrelated Partnerships

Complete if the organization answered "Yes" to Form 990, Part IV, line 33, 34, 35, 36, or 37.
MediumBullet

Attach to Form 990. MediumBullet

See separate instructions.

OMB No. 1545-0047

2011

Open to Public Inspection

Name of the organization

FINRA INVESTOR EDUCATION FOUNDATION

Employer identification number

20-0863779

Part I

Identification of Disregarded Entities (Complete if the organization answered "Yes" on Form 990, Part IV, line 33.)

(a) Name, address, and EIN of disregarded entity	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Total income	(e) End-of-year assets	(f) Direct controlling entity

Part II

Identification of Related Tax-Exempt Organizations (Complete if the organization answered "Yes" on Form 990, Part IV, line 34 because it had one or more related tax-exempt organizations during the tax year.)

(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,DC200061506 53-0088710	REGULATORY	DE	501(C)(6)	N/A	NA		No
(2) FINRA REGULATION INC 1735 K STREET NW WASHINGTON,DC200061506 52-1959501	REGULATORY	DE	501(C)(6)	N/A	FINRA	Yes
(3) FINRA DISPUTE RESOLUTION INC 1735 K STREET NW WASHINGTON,DC200061506 52-2187577	ARBITRATION	DE	501(C)(6)	N/A	FINRA	Yes

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

Cat. No. 50135Y

Schedule R (Form 990) 2011

Page 2

Part III

Identification of Related Organizations Taxable as a Partnership (Complete if the organization answered "Yes" on Form 990, Part IV, line 34 because it had one or more related organizations treated as a partnership during the tax year.)

(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

Part IV

Identification of Related Organizations Taxable as a Corporation or Trust (Complete if the organization answered "Yes" on Form 990, Part IV, line 34 because it had one or more related organizations treated as a corporation or trust during the tax year.)

(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,DC200061506 52-2307595	HOLDING COMPANY	DE	FINRA	C-CORP	0	0	0 %
(2) SECURITIES DEALERS RISK PURCHASING GROUP 1735 K STREET NW WASHINGTON,DC200061506 52-1953595	INSURANCE	DE	FINRA	C-CORP	0	0	0 %

Schedule R (Form 990) 2011

Page 3

Part V

Transactions With Related Organizations (Complete if the organization answered "Yes" on Form 990, Part IV, line 34, 35, 35A, or 36.)

Note. Complete line 1 if any entity is listed in Parts II, III or IV.

Yes

1 During the tax year, did the orgranization engage in any of the following transactions with one or more related organizations listed in Parts II-IV?

a Receipt of (i) interest (ii) annuities (iii) royalties (iv) rent from a controlled entity . . . . . . . . . . . . . . . . . . . . . . .

b Gift, grant, or capital contribution to related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

c Gift, grant, or capital contribution from related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Yes

d Loans or loan guarantees to or for related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

e Loans or loan guarantees by related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

f Sale of assets to related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

g Purchase of assets from related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

h Exchange of assets with related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

i Lease of facilities, equipment, or other assets to related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . .

j Lease of facilities, equipment, or other assets from related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . .

k Performance of services or membership or fundraising solicitations for related organization(s) . . . . . . . . . . . . . . . . . . . .

l Performance of services or membership or fundraising solicitations by related organization(s) . . . . . . . . . . . . . . . . . . . .

m Sharing of facilities, equipment, mailing lists, or other assets with related organization(s) . . . . . . . . . . . . . . . . . . . . .

Yes

n Sharing of paid employees with related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Yes

o Reimbursement paid to related organization(s) for expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Yes

p Reimbursement paid by related organization(s) for expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

q Other transfer of cash or property to related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

r Other transfer of cash or property from related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

If the answer to any of the above is "Yes," see the instructions for information on who must complete this line, including covered relationships and transaction thresholds.

(a) Name of other organization	(b) Transaction type(a-r)	(c) Amount involved	(d) Method of determining amount involved
(1)
(2)
(3)
(4)
(5)
(6)

Schedule R (Form 990) 2011

Page 4

Part VI

Unrelated Organizations Taxable as a Partnership (Complete if the organization answered "Yes" on Form 990, Part IV, line 37.)

Provide the following information for each entity taxed as a partnership through which the organization conducted more than five percent of its activities (measured by total assets or gross revenue) that was not a related organization. See instructions regarding exclusion for certain investment partnerships.

(a) Name, address, and EIN of entity	(b) Primary activity	(c) Legal domicile (state or foreign country)	(e) Are all partners section 501(c)(3) organizations?		(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 entity	(b) Primary activity	(c) Legal domicile (state or foreign country)	Yes	No	(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

Schedule R (Form 990) 2011

Page 5

Part VII

Supplemental Information

Complete this part to provide additional information for responses to questions on Schedule R (see instructions).

Identifier	Return Reference	Explanation

Additional Data

Software ID:
Software Version:

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 2011 (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) .........	0	1,500,000
9	Program service revenue (Part VIII, line 2g) .........	0	0
10	Investment income (Part VIII, column (A), lines 3, 4, and 7d ) ....	1,603,571	885,831
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)...................	1,603,571	2,385,831
13	Grants and similar amounts paid (Part IX, column (A), lines 1–3 )...	5,565,278	5,105,343
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)....	8,079,730	7,407,549
18	Total expenses. Add lines 13–17 (must equal Part IX, column (A), line 25)	13,645,008	12,512,892
19	Revenue less expenses. Subtract line 18 from line 12.......	-12,041,437	-10,127,061
		Beginning of Current Year	End of Year
20	Total assets (Part X, line 16).............	64,529,713	51,238,393
21	Total liabilities (Part X, line 26).............	3,593,807	542,644
22	Net assets or fund balances. Subtract line 21 from line 20.....	60,935,906	50,695,749

Sign Here

	Signature of officer	Date

	Type or print name and title.


4a	(Code: ) (Expenses $ 5,105,343 including grants of $ 5,105,343 ) (Revenue $ )
	GRANT PROGRAM - SEE SCHEDULE O

4b	(Code: ) (Expenses $ 3,495,881 including grants of $ ) (Revenue $ )
	INVESTOR PROTECTION CAMPAIGN - SEE SCHEDULE O

4c	(Code: ) (Expenses $ 2,451,243 including grants of $ ) (Revenue $ )
	MILITARY FINANCIAL EDUCATION PROJECT - SEE SCHEDULE O

4d	Other program services (Describe in Schedule O.)
	(Expenses $ 773,130 including grants of $ ) (Revenue $ )
4e	Total program service expenses$ 11,825,597

(A) Name and Title	(B) Average hours per week (describe hours for related organizations in Schedule O)	(C) Position (do not check more than one box, unless person is both an officer and a director/trustee)		(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 Title
(1) RICHARD G KETCHUM CHAIRMAN	1.0	X		0	3,099,986	69,198
(2) IDALIA P FERNANDEZ BOARD MEMBER	1.0	X		0	0	0
(3) BONNIE G HILL BOARD MEMBER	1.0	X		0	0	0
(4) DAVID W HUNTER BOARD MEMBER	1.0	X		0	0	0
(5) DALLAS L SALISBURY BOARD MEMBER	1.0	X		0	0	0
(6) SHARON P SMITH BOARD MEMBER	1.0	X		0	0	0
(7) JOHN M GANNON PRESIDENT (PART-YR)	32.0		X	0	330,161	62,766
(8) GERALDINE M WALSH PRESIDENT (PART-YR)	32.0		X	0	383,482	49,344
(9) EILEEN M FAMIGLIETTI TREASURER	5.0		X	0	487,695	50,381
(10) MARCIA E ASQUITH SECRETARY	2.0		X	0	471,649	104,985

1b	Sub-Total................
c	Total from continuation sheets to Part VII, Section A....
d	Total (add lines 1b and 1c)............	0	4,772,973	336,674

				(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		1,500,000
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.......			1,500,000
			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).....			725,481			725,481
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	6,856,800
b	Less: cost or other basis and sales expenses	6,696,450
c	Gain or (loss)	160,350
d	Net gain or (loss)..........			160,350			160,350
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....			2,385,831		0	885,831


			(A) Beginning of year		(B) End of year
1	Cashnon-interest-bearing ..........		4,125,762	1	1,620,610
2	Savings and temporary cash investments .......		34,614,851	2	26,033,196
3	Pledges and grants receivable, net .........		0	3	0
4	Accounts receivable, net .........		0	4	57,157
5	Receivables from current and former officers, directors, trustees, key employees, and highest compensated employees. Complete Part II of
	Schedule L ..........		0	5	0
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 ..........		0	6	0
7	Notes and loans receivable, net .............		0	7	0
8	Inventories for sale or use ..............		0	8	0
9	Prepaid expenses and deferred charges ............		305,298	9	68,920
10a	Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D	10a
b	Less: accumulated depreciation. .....	10b	0	10c
11	Investments—publicly traded securities ..........		25,483,802	11	23,458,022
12	Investments—other securities. See Part IV, line 11 ......		0	12	0
13	Investments—program-related. See Part IV, line 11 ..		0	13	0
14	Intangible assets .........		0	14	0
15	Other assets. See Part IV, line 11 ...........		0	15	488
16	Total assets. Add lines 1 through 15 (must equal line 34)...		64,529,713	16	51,238,393
17	Accounts payable and accrued expenses .		597,067	17	333,050
18	Grants payable ..........		75,928	18	49,594
19	Deferred revenue ..........		0	19	0
20	Tax-exempt bond liabilities ..........		0	20	0
21	Escrow or custodial account liability. Complete Part IV of Schedule D..		0	21	0
22	Payables to current and former officers, directors, trustees, key employees, highest compensated employees, and disqualified
	persons. Complete Part II of Schedule L..........		0	22	0
23	Secured mortgages and notes payable to unrelated third parties ..		0	23	0
24	Unsecured notes and loans payable to unrelated third parties ....		0	24	0
25	Other liabilities (including federal income tax, payables to related third parties, and other liabilities not included on lines 17-24). Complete Part X of Schedule D.....		2,920,812	25	160,000
26	Total liabilities. Add lines 17 through 25.....		3,593,807	26	542,644
	Organizations that follow SFAS 117, check here and complete lines 27 through 29, and lines 33 and 34.
27	Unrestricted net assets .....		60,935,906	27	50,695,749
28	Temporarily restricted net assets .....		0	28	0
29	Permanently restricted net assets .....		0	29	0
	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 .....		60,935,906	33	50,695,749
34	Total liabilities and net assets/fund balances .....		64,529,713	34	51,238,393