TY 2012 Form 990

(A) Name and business address	(B) Description of services	(C) Compensation
GMMB INC, PO BOX 415312BOSTONMA02241	SEE SCHEDULE O	2,924,560
CHANNEL ONE LLC, 151 W 26TH STREETNEW YORKNY10001	SEE SCHEDULE O	624,976
FAIR ISAAC CORPORATION, 3661 VALLEY CENTRE DRIVESAN DIEGOCA92130	SEE SCHEDULE O	548,330
BBB INSTITUTE FOR MARKETPLACE TRUST, 3033 WILSON BOULEVARDARLINGTONVA22201	SEE SCHEDULE O	435,000
APPLIED RESEARCH CONSULTING, 320 WEST 13TH STREETNEW YORKNY10014	SEE SCHEDULE O	377,835
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 7

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	4,460,239	4,460,239
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 ......	4,133,171	4,130,171	3,000
b	Legal .........	263		263
c	Accounting ...........	42,000		42,000
d	Lobbying ...........	0
e	Professional fundraising services. See Part IV, line 17	0
f	Investment management fees ......	13,304		13,304
g	Other (If line 11g amount exceeds 10% of line 25, column (A) amount, list line 11g expenses on Schedule O) ........	0
12	Advertising and promotion ....	3,306,253	3,291,247	15,006
13	Office expenses .......	53,792	25,892	27,900
14	Information technology ......	27,066		27,066
15	Royalties ..	0
16	Occupancy ...........	275,475	207,231	68,244
17	Travel ............	162,353	93,657	68,696
18	Payments of travel or entertainment expenses for any federal, state, or local public officials ......	0
19	Conferences, conventions, and meetings ....	100,960	94,625	6,335
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 24e. If line 24e amount exceeds 10% of line 25, column (A) amount, list line 24e expenses on Schedule O.)
a	ALL OTHER EXPENSES	2,622	1,890	732
b
c
d
e	All other expenses
25	Total functional expenses. Add lines 1 through 24e	12,577,498	12,304,952	272,546	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 Check if Schedule O contains a response to any question in this Part X ...............
	1	Cashnon-interest-bearing .............	1,620,610	1	817,478
2	Savings and temporary cash investments .........	26,033,196	2	17,463,679
3	Pledges and grants receivable, net ...........	0	3	0
4	Accounts receivable, net .............	57,157	4	61,452
5	Loans and other receivables from current and former officers, directors, trustees, key employees, and highest compensated employees. Complete Part II of Schedule L ..................
		0	5	0
6	Loans and other receivables from other disqualified persons (as defined under section 4958(f)(1)), persons described in section 4958(c)(3)(B), and contributing employers and sponsoring organizations of section 501(c)(9) voluntary employees' beneficiary organizations (see instructions) 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 ..........	68,920	9	165,087
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 ..........	23,458,022	11	24,016,108
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 ...........	488	15	0
16	Total assets. Add lines 1 through 15 (must equal line 34)......	51,238,393	16	42,523,804
	17	Accounts payable and accrued expenses .........	333,050	17	549,227
18	Grants payable .................	49,594	18	108,699
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	Loans and other 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....................	160,000	25	501
26	Total liabilities. Add lines 17 through 25.........	542,644	26	658,427
		Organizations that follow SFAS 117 (ASC 958), check here and complete lines 27 through 29, and lines 33 and 34.
27	Unrestricted net assets ..............	50,695,749	27	41,865,377
28	Temporarily restricted net assets ...........	0	28	0
29	Permanently restricted net assets ...........	0	29	0
	Organizations that do not follow SFAS 117 (ASC 958), 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 ...........	50,695,749	33	41,865,377
34	Total liabilities and net assets/fund balances ........	51,238,393	34	42,523,804

- 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

2012

Name of the 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) (2012)

Schedule B (Form 990, 990-EZ, or 990-PF) (2012)

Page 2

Name of organization FINRA INVESTOR EDUCATION FOUNDATION

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) (2012)

Schedule B (Form 990, 990-EZ, or 990-PF) (2012)

Page 3

Name of organization FINRA INVESTOR EDUCATION FOUNDATION

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) (2012)

Schedule B (Form 990, 990-EZ, or 990-PF) (2012)

Page 4

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) (2012)

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

2012

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 section 170(h)(4)(B)(ii)? .......................................

Yes No

In Part XIII, 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 XIII, 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 Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 52283D

Schedule D (Form 990) 2012

Page 2

Part III

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

Using the organization’s acquisition, 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 XIII.

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 XIII 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 XIII. Check here if the explanation has been provided in Part XIII ........

Part V

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

		(a)Current year	(b)Prior year	b (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 current year end balance (line 1g, column (a)) 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 XIII 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) 2012

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
DUE TO RELATED ORGANIZATION		501








Total. (Column (b) must equal Form 990, Part X, col.(B) line 25.)		501
2. Fin 48 (ASC 740) Footnote. In Part XIII, 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 (ASC 740). Check here if the text of the footnote has been provided in Part XIII .....................................................

Schedule D (Form 990) 2012

Page 4

Part XI Reconciliation of Revenue per Audited Financial Statements With Revenue per Return
1	Total revenue, gains, and other support per audited financial statements .......			1	7,094,515
2	Amounts included on line 1 but not on Form 990, Part VIII, line 12:
a	Net unrealized gains on investments ..........	2a	880,700
b	Donated services and use of facilities .........	2b	3,525,665
c	Recoveries of prior year grants ...........	2c
d	Other (Describe in Part XIII.) ............	2d
e	Add lines 2a through 2d .....................			2e	4,406,365
3	Subtract line 2e from line 1.....................			3	2,688,150
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 XIII.) ...........	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	2,688,150

Part XII Reconciliation of Expenses per Audited Financial Statements With Expenses per Return
1	Total expenses and losses per audited financial statements ...........			1	15,924,887
2	Amounts included on line 1 but not on Form 990, Part IX, line 25:
a	Donated services and use of facilities ..........	2a	3,525,665
b	Prior year adjustments ..............	2b	-178,276
c	Other losses ................	2c
d	Other (Describe in Part XIII.) ............	2d
e	Add lines 2a through 2d......................			2e	3,347,389
3	Subtract line 2e from line 1.....................			3	12,577,498
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 XIII.) ............	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	12,577,498

Part XIII

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, line 2; Part XI, lines 2d and 4b; and Part XII, lines 2d and 4b. Also complete this part to provide any additional information.

Identifier	Return Reference	Explanation
SCHEDULE D, PART X, LINE 2	ASC 740 FOOTNOTE FROM FINRA CONSOLIDATED AUDITED FINANCIAL STATEMENTS	U.S. GAAP PROVIDES A TWO-STEP APPROACH FOR EVALUATING TAX POSITIONS. RECOGNITION (STEP 1) OCCURS WHEN AN ENTITY CONCLUDES THAT A TAX POSITION, BASED SOLELY ON ITS TECHNICAL MERITS, IS MORE LIKELY THAN NOT TO BE SUSTAINED UPON EXAMINATION. IN STEP 2 (MEASUREMENT), THE TAX BENEFIT IS MEASURED AS THE LARGEST AMOUNT OF BENEFIT, DETERMINED ON A CUMULATIVE PROBABILITY BASIS, THAT IS MORE LIKELY THAN NOT TO BE REALIZED UPON ULTIMATE SETTLEMENT. DURING THE YEARS FROM 2009 TO 2012, WHICH REPRESENT THE YEARS MANAGEMENT CONSIDERS TO BE OPEN FOR EXAMINATION BY TAXING AUTHORITIES, MANAGEMENT DID NOT IDENTIFY THE EXISTENCE OF ANY UNCERTAIN TAX POSITIONS. ACCORDINGLY, ALL TAX POSITIONS ARE RECOGNIZED AND MEASURED AT THEIR FULL BENEFIT IN THE CONSOLIDATED BALANCE SHEETS AND STATEMENTS OF OPERATIONS.
SCHEDULE D, PART XII, LINE 2D		AMOUNTS INCLUDED ON LINE 1 BUT NOT ON FORM 990, PART IX, LINE 25 RELATE TO REFUNDS OF PRIOR YEAR'S UNUSED GRANTS.

Schedule D (Form 990) 2012

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

2012

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. Part II can be duplicated if additional space is needed.

(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) ALBANY COUNTY PUBLIC LIBRARY 310 SOUTH 8TH STREET LARAMIE,WY82070	83-0240069	501(C)(3)	14,900	SEE SCHEDULE O
(2) ARIVA INC 69 EAST 167TH STREET BRONX,NY10452	32-0028598	501(C)(3)	37,565	SEE SCHEDULE O
(3) ASPIRA ASSOCIATION - COMMUNITY AWARENESS 1444 EYE STREET NW WASHINGTON,DC20005	13-2627568	501(C)(3)	119,381	SEE SCHEDULE O
(4) BRIGHTON CENTER INC PO BOX 325 NEWPORT,KY41022	61-0673886	501(C)(3)	100,000	SEE SCHEDULE O
(5) BROOKLYN PUBLIC LIBRARY 10 GRAND ARMY PLAZA BROOKLYN,NY11238	11-1904261	501(C)(3)	100,000	SEE SCHEDULE O
(6) CAPITAL AREA UNITED WAY 700 LAUREL STREET BATON ROUGE,LA70802	72-0447100	501(C)(3)	70,030	SEE SCHEDULE O
(7) CARMEL CLAY PUBLIC LIBRARY 55 4TH AVENUE SE CARMEL,IN46032	35-1787253	501(C)(3)	42,300	SEE SCHEDULE O
(8) CENTRAL NEW MEXICO COMMUNITY COLLEGE FOUNDATION 525 BUENA VISTA SE ALBUQUERQUE,NM87105	85-0338623	501(C)(3)	73,975	SEE SCHEDULE O
(9) CONNECTICUT ASSOCIATION FOR HUMAN SERVICES 110 BARTHOLOMEW AVENUE HARTFORD,CT06106	06-0653158	501(C)(3)	75,000	SEE SCHEDULE O
(10) DAKOTA COUNTY PUBLIC LIBRARY 1340 WESCOTT ROAD EAGAN,MN55123	31-1629273	501(C)(3)	69,513	SEE SCHEDULE O
(11) DELAWARE COUNTY LIBRARY SYSTEM 340 N MIDDLETOWN ROAD MEDIA,PA19603	27-2789554	501(C)(3)	48,735	SEE SCHEDULE O
(12) ESTES VALLEY LIBRARY 1421 DAVID DRIVE ESTES PARK,CO80517	74-2385213	501(C)(3)	32,632	SEE SCHEDULE O
(13) FIRST NATIONS DEVELOPMENT INSTITUTE 2432 MAIN STREET 2ND FLOOR LONGMONT,CO80501	54-1254491	501(C)(3)	155,758	SEE SCHEDULE O
(14) FIU COLLEGE OF LAW 3000 NE 151ST STREET MIAMI,FL33199	65-0177616	115(A)	62,500	SEE SCHEDULE O
(15) FRIENDS OF THE ADA COUNTY FREE LIBRARY DISTRICT 10664 W VICTORY BLVD BOISE,ID83709	82-0493092	501(C)(3)	34,500	SEE SCHEDULE O
(16) FRIENDS OF THE BLAKE LIBRARY 2351 SE MONTEREY ROAD STUART,FL34996	59-6155142	501(C)(3)	14,911	SEE SCHEDULE O
(17) FRIENDS OF THE BURLINGTON COUNTY LIBRARY SYSTEM 5 PIONEER BLVD WESTAMPTON,NJ08060	22-3346975	501(C)(3)	47,971	SEE SCHEDULE O
(18) FRIENDS OF THE CHESTERFIELD COUNTY PUBLIC LIBRARY 9509 LORI ROAD CHESTERFIELD,VA22832	52-1245254	501(C)(3)	40,800	SEE SCHEDULE O
(19) FRIENDS OF THE FAIRFIELD PUBLIC LIBRARY 1080 OLD POST ROAD FAIRFIELD,CT06824	54-2119268	501(C)(3)	50,070	SEE SCHEDULE O
(20) FRIENDS OF THE GREENVILLE COUNTY LIBRARY 25 HERITAGE GREEN PL GREENVILLE,SC29601	57-0520476	501(C)(3)	33,163	SEE SCHEDULE O
(21) FRIENDS OF THE LIBRARY OF APACHE JUNCTION 1177 N IDAHO RD APACHE JUNCTION,AZ85119	86-0508052	501(C)(3)	35,100	SEE SCHEDULE O
(22) FRIENDS OF THE MCFARLEN PUBLIC LIBRARY 515 PERRY ROAD GRAND BLANC,MI48439	38-2288236	501(C)(3)	45,750	SEE SCHEDULE O
(23) FRIENDS OF THE TROY PUBLIC LIBRARY PO BOX 4445 TROY,MI48099	38-6091389	501(C)(3)	32,588	SEE SCHEDULE O
(24) GEORGE WASHINGTON UNIVERSITY 44983 KNOLL SQUARE ENTERPRISE HALL 2ND FLOOR ASHBURN,VA20147	53-0196586	501(C)(3)	33,000	SEE SCHEDULE O
(25) GEORGIA STATE UNIVERSITY COLLEGE OF LAW PO BOX 3999 ATLANTA,GA30302	58-6002050	501(C)(3)	100,000	SEE SCHEDULE O
(26) HOWARD UNIVERSITY SCHOOL OF LAW 2225 GEORGIA AVE NW WASHINGTON,DC20059	53-0204707	501(C)(3)	62,500	SEE SCHEDULE O
(27) IDA RUPP PUBLIC LIBRARY 310 MADISON ST PORT CLINTON,OH43452	34-6401091	501(C)(3)	9,554	SEE SCHEDULE O
(28) INNOVATIONS FOR POVERTY ACTION 101 WHITNEY AVENUE NEW HAVEN,CT06510	06-1660068	501(C)(3)	98,120	SEE SCHEDULE O
(29) LAWRENCE PUBLIC LIBRARY FOUNDATION 707 VERMONT ST LAWRENCE,KS66044	48-1179872	501(C)(3)	26,400	SEE SCHEDULE O
(30) LIBRARY FOUNDATIONTHE PEOPLE OF MULTNOMAH 620 SW 5TH AVENUE PORTLAND,OR97204	93-1190983	501(C)(3)	50,000	SEE SCHEDULE O
(31) LYRASIS STATE LIBRARY OF IOWA 100 N 20TH STREET PHILADELPHIA,PA19103	23-1365979	501(C)(3)	36,219	SEE SCHEDULE O
(32) MAINE CENTERS FOR WOMEN WORK & COMMUNITY 46 UNIVERSITY DRIVE AUGUSTA,ME04330	01-6000769	501(C)(3)	62,500	SEE SCHEDULE O
(33) MARTINSBURG-BERKELEY COUNTY PUBLIC LIBRARIES 101 W KING STREET MARTINSBURG,WV25401	55-0364258	501(C)(3)	39,780	SEE SCHEDULE O
(34) MICHIGAN STATE UNIVERSITY COLLEGE OF LAW 648 N SHAW LANE EAST LANSING,MI48824	38-1358000	501(C)(3)	100,000	SEE SCHEDULE O
(35) MONROE COUNTY PUBLIC LIBRARY FOUNDATION 303 E KIRKWOOD AVE BLOOMINGTON,IN47408	35-1892355	501(C)(3)	39,791	SEE SCHEDULE O
(36) MONTANA STATE UNIVERSITY EXTENSION 309 MONTANA HALL BOZEMAN,MT59717	81-6010045	501(C)(3)	15,563	SEE SCHEDULE O
(37) MORGAN HILL COMMUNITY FOUNDATION PO BOX 1974 MORGAN HILL,CA95038	80-0001382	501(C)(3)	50,000	SEE SCHEDULE O
(38) NATIONAL COUNCIL ON AGING 1901 L STREET NW WASHINGTON,DC20036	13-1932384	501(C)(3)	94,160	SEE SCHEDULE O
(39) NATIONAL LABOR COLLEGE 10000 N HAMPSHIRE SILVER SPRING,MD20903	52-0895834	501(C)(3)	123,607	SEE SCHEDULE O
(40) NILES PUBLIC LIBRARY DISTRICT 6960 WEST OAKTON STREET NILES,IL60714	77-0597865	501(C)(3)	10,877	SEE SCHEDULE O
(41) NORTH CAROLINA STATE UNIVERSITY (CLARK) PO BOX 7214 RALEIGH,NC27695	56-6000756	115(A)	66,558	SEE SCHEDULE O
(42) OHIO STATE UNIVERSITY RESEARCH FOUNDATION 1960 KENNY ROAD COLUMBUS,OH43210	31-6401599	501(C)(3)	10,794	SEE SCHEDULE O
(43) OPERATION HOPE 707 WILSHIRE BLVD LOS ANGELES,CA90017	95-4378084	501(C)(3)	111,766	SEE SCHEDULE O
(44) PELHAM LIBRARY GUILD 3162 PELHAM PARKWAY PELHAM,AL35124	26-4800985	501(C)(3)	44,273	SEE SCHEDULE O
(45) PEPPERDINE UNIVERSITY SCHOOL OF LAW 24255 PACIFIC COAST HWY MALIBU,CA90263	95-1644037	501(C)(3)	62,500	SEE SCHEDULE O
(46) PIONEER LIBRARY SYSTEM FOUNDATION 225 N WEBSTER NORMAN,OK73069	01-0946757	501(C)(3)	28,984	SEE SCHEDULE O
(47) RICHLAND COUNTY PUBLIC LIBRARY 1431 ASSEMBLY STREET COLUMBIA,SC29201	57-6000396	501(C)(3)	78,500	SEE SCHEDULE O
(48) SANTA CRUZ COMMUNITY VENTURES 324 FRONT STREET SANTA CRUZ,CA95060	77-0247648	501(C)(3)	75,000	SEE SCHEDULE O
(49) SEEKONK LIBRARY TRUST 410 NEWMAN AVENUE SEEKONK,MA02771	22-2969879	501(C)(3)	49,409	SEE SCHEDULE O
(50) SETON HALL UNIVERSITY SCHOOL OF LAW ONE NEWARK CENTER ROOM 209 NEWARK,NJ07102	22-1500645	501(C)(3)	62,500	SEE SCHEDULE O
(51) STEP UP SAVANNAH 428 BULL STREET SAVANNAH,GA31401	30-0526014	501(C)(3)	75,000	SEE SCHEDULE O
(52) SUFFOLK UNIVERSITY LAW SCHOOL 8 ASHBURTON PLACE BOSTON,MA02108	04-2133255	501(C)(3)	62,500	SEE SCHEDULE O
(53) UNITED NEGRO COLLEGE FUND SPECIAL PROGRAMS CORP 2750 PROSPERITY AVE FAIRFAX,VA22031	54-1980487	501(C)(3)	83,400	SEE SCHEDULE O
(54) UNITED WAY OF MIAMI DADE 3250 SW 3 AVE MIAMI,FL33129	59-0830840	501(C)(3)	75,000	SEE SCHEDULE O
(55) UNITED WAY OF SOUTHEASTERN MICHIGAN 660 WOODWARD AVENUE DETROIT,MI48226	20-3099071	501(C)(3)	69,300	SEE SCHEDULE O
(56) UNITED WAY OF ACADIANA 215 EAST PINHOOK RD LAFAYETTE,LA70501	72-0513639	501(C)(3)	43,329	SEE SCHEDULE O
(57) UNITED WAY OF CENTRAL OHIO INC 360 S THIRD ST COLUMBUS,OH43215	31-4393712	501(C)(3)	48,047	SEE SCHEDULE O
(58) UNITED WAY OF CHITTENDEN COUNTY 412 FARRELL ST SOUTH BURLINGTON,VT05403	03-0217229	501(C)(3)	71,797	SEE SCHEDULE O
(59) UNITED WAY OF FAIRFIELD COUNTY 115 S BROAD ST LANCASTER,OH43130	31-0644804	501(C)(3)	12,722	SEE SCHEDULE O
(60) UNITED WAY OF GREATER CHATTANOOGA PO BOX 4027 CHATTANOOGA,TN37405	62-0565962	501(C)(3)	75,000	SEE SCHEDULE O
(61) UNITED WAY OF GREATER CINCINNATI 2400 READING RD CINCINNATI,OH45202	31-0537502	501(C)(3)	75,000	SEE SCHEDULE O
(62) UNITED WAY OF GREATER KANSAS CITY 1080 WASHINGTON ST KANSAS CITY,MO64105	44-0545812	501(C)(3)	75,000	SEE SCHEDULE O
(63) UNITED WAY OF INLAND VALLEYS 6215 RIVER CREST DRIVE RIVERSIDE,CA92507	95-1742174	501(C)(3)	43,835	SEE SCHEDULE O
(64) UNITED WAY OF KING COUNTY 720 2ND AVE SEATTLE,WA98104	91-0565555	501(C)(3)	73,403	SEE SCHEDULE O
(65) UNITED WAY OF LARIMER COUNTY 424 PINE ST FORT COLLINS,CO80524	84-6031503	501(C)(3)	54,474	SEE SCHEDULE O
(66) UNITED WAY OF MARION COUNTY 1401 NE 2ND ST OCALA,FL34470	59-0946642	501(C)(3)	9,782	SEE SCHEDULE O
(67) UNITED WAY OF RIVER CITIES 820 MADISON AVENUE HUNTINGTON,WV25704	55-0384704	501(C)(3)	69,850	SEE SCHEDULE O
(68) UNITED WAY OF SILICON VALLEY 1400 PARKMOOR AVENUE SAN JOSE,CA95126	94-1450153	501(C)(3)	74,250	SEE SCHEDULE O
(69) UNITED WAY OF TAMPA BAY 5201 W KENNEDY BLVD TAMPA,FL33609	59-3725701	501(C)(3)	22,500	SEE SCHEDULE O
(70) UNITED WAY OF WEST CENTRAL MISSISSIPPI 920 SOUTH ST VICKSBURG,MS39181	64-0330259	501(C)(3)	74,813	SEE SCHEDULE O
(71) UNIVERSITY OF MIAMI PO BOX 405803 ATLANTA,GA30384	59-0624458	501(C)(3)	62,500	SEE SCHEDULE O
(72) UNIVERSITY OF TENNESSEE (2011) 121 MORGAN HALL KNOXVILLE,TN37996	62-6001636	501(C)(3)	66,407	SEE SCHEDULE O
(73) WOMEN'S INSTITUTE FOR A SECURE RETIREMENT 1140 19TH STREET NW WASHINGTON,DC20036	52-1997317	501(C)(3)	99,050	SEE SCHEDULE O
(74) YORK COUNTY LIBRARY SYSTEM 159 EAST MARKET STREET YORK,PA17401	23-7394108	501(C)(3)	99,922	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 Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50055P

Schedule I (Form 990) 2012

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.
Part III can be duplicated 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, Part III, column (b), 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 CONDUCT SITE VISITS TO OBSERVE PROJECTS AND EXAMINE OUTCOMES. THE FOUNDATION MAY ALSO UNDERTAKE OR COMMISSION EVALUATION ANALYSIS ACROSS GRANT SITES. IN ADDITION TO PROGRESS REPORTS, GRANTEES ARE REQUIRED TO COMPLETE A FINAL NARRATIVE AND FINANCIAL REPORT DETAILING PROJECT OUTCOMES AND ACCOUNTING FOR THE USE OF GRANT FUNDS.

Schedule I (Form 990) 2012

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

2012

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 of 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 filing organization used 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 Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50053T

Schedule J (Form 990) 2012

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 (E) amounts for that individual.

(A) Name and Title		(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 and Title		(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 KETCHUMCHAIRMAN	(i) (ii)	0 978,164	0 1,250,000	0 327,290	0 47,607	0 26,645	0 2,629,706	0 0
(2)GERALDINE M WALSHPRESIDENT	(i) (ii)	0 255,770	0 165,000	0 18,867	0 41,745	0 9,707	0 491,089	0 0
(3)EILEEN M FAMIGLIETTITREASURER	(i) (ii)	0 246,755	0 125,000	0 3,338	0 39,473	0 29,153	0 443,719	0 0
(4)MARCIA E ASQUITHSECRETARY	(i) (ii)	0 236,093	0 240,000	0 24,082	0 69,500	0 19,472	0 589,147	0 0

Schedule J (Form 990) 2012

Page 3

Part III

Supplemental Information

Complete this part to provide the information, explanation, or descriptions required for Part I, lines 1a, 1b, 3, 4a, 4b, 4c, 5a, 5b, 6a, 6b, 7, and 8, and for Part II.
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 2012 INCLUDE: NONE 2) FINRA'S SUPPLEMENTAL DEFINED CONTRIBUTION PLAN IS A NON-QUALIFIED PLAN THAT IS OPEN TO VICE PRESIDENTS AND ABOVE WITH AN ANNUAL BASE PAY ABOVE THE QUALIFIED LIMIT. IT IS ONLY OPEN TO THOSE NOT PARTICIPATING IN THE CLOSED NON-QUALIFIED DEFINED BENEFIT PLAN DESCRIBED ABOVE. IT IS A FINRA FUNDED PLAN WITH A 3 YEAR VESTING CYCLE WITH ANNUAL VESTING BEGINNING AT AGE 62. PARTICIPANTS IN THE SUPPLEMENTAL NON-QUALIFIED DEFINED CONTRIBUTION PLAN WITH CONTRIBUTIONS VESTING IN 2012 INCLUDE: RICHARD G. KETCHUM - $292,594 FOR FURTHER INFORMATION REGARDING THE COMPENSATION OF OFFICERS, PLEASE REFER TO THE 2012 RETURN OF ORGANIZATION EXEMPT FROM INCOME TAX - FORM 990 FOR THE FOUNDATION'S PARENT ORGANIZATION, THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC.

Schedule J (Form 990) 2012

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

2012

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 2012, THE FOUNDATION PROVIDED GRANTS THROUGH FOUR PROGRAMS: THE GENERAL GRANT PROGRAM; SMART INVESTING@YOUR LIBRARY; FINANCIAL EDUCATION IN YOUR COMMUNITY; AND THE INVESTOR ADVOCACY CLINIC PROGRAM. THROUGH THESE PROGRAMS, THE FOUNDATION SUPPORTED INNOVATIVE RESEARCH AND EDUCATIONAL PROJECTS THAT PROVIDE UNDERSERVED AMERICANS WITH THE KNOWLEDGE, SKILLS AND TOOLS NECESSARY FOR FINANCIAL SUCCESS THROUGHOUT LIFE. THE FOUNDATION AWARDED GRANTS TO ENTITIES DESIGNATED AS TAX-EXEMPT ACCORDING TO INTERNAL REVENUE CODE SECTION 501(C)(3) AND STATE AND OTHER PUBLIC COLLEGES AND UNIVERSITIES. THE FOUNDATION PLACED HIGH PRIORITY ON REACHING AND ENGAGING A WELL-DEFINED TARGET AUDIENCE AND ENCOURAGED COLLABORATION AND STRATEGIC PARTNERSHIPS TO FACILITATE EFFECTIVE MARKETING AND DISTRIBUTION EFFORTS. THE FOUNDATION OFFERS ROLLING DEADLINES FOR PROJECT CONCEPT FORMS SUBMITTED UNDER THE GENERAL GRANT PROGRAM. APPLICANTS WHOSE PROJECTS CLOSELY ALIGN WITH THE FOUNDATION'S PRIORITIES ARE INVITED TO SUBMIT A FULL GRANT PROPOSAL FOR CONSIDERATION AT ONE OF THE FOUNDATION'S BOARD MEETINGS. FUNDING PRIORITIES ARE SPECIFIED IN THE GRANT GUIDELINES. THE GUIDELINES ALSO SPECIFY ELIGIBILITY REQUIREMENTS AND GRANT CRITERIA. SMART INVESTING@YOUR LIBRARY GRANT PROGRAM IS ADMINISTERED JOINTLY BY THE FOUNDATION AND THE AMERICAN LIBRARY ASSOCIATION. THIS INVITATION-ONLY GRANT PROGRAM FUNDS PUBLIC LIBRARY AND COMMUNITY COLLEGE LIBRARY EFFORTS TO PROVIDE PATRONS WITH ACCESS TO EFFECTIVE, UNBIASED FINANCIAL EDUCATION RESOURCES. FINANCIAL EDUCATION IN YOUR COMMUNITY IS ADMINISTERED JOINTLY BY THE FOUNDATION AND UNITED WAY WORLDWIDE. THIS INVITATION-ONLY GRANT PROGRAM FUNDS REGIONAL AND LOCAL COMMUNITY-BASED ORGANIZATIONS TO MEET THE FINANCIAL EDUCATION NEEDS OF UNDERSERVED WORKING INDIVIDUALS AND FAMILIES. THE INVESTOR ADVOCACY CLINIC PROGRAM PROVIDES START-UP FUNDING AND ASSISTANCE TO LAW SCHOOLS THAT ARE WELL POSITIONED TO ESTABLISH CLINICS OFFERING LEGAL ADVICE AND OTHER HELP FOR UNDERSERVED INVESTORS. THIS INVITATION-ONLY GRANT PROGRAM AIMS TO FILL THE GAP IN LEGAL REPRESENTATION FOR SMALL INVESTORS. 4B) INVESTOR PROTECTION CAMPAIGN THE FOUNDATION LAUNCHED THE INVESTOR PROTECTION CAMPAIGN IN 2008 WITH A VISION TO REDUCE THE INCIDENCE OF INVESTMENT FRAUD AMONG INVESTORS. GUIDED BY A GROWING BODY OF RESEARCH AROUND INVESTMENT FRAUD VICTIMIZATION, THE FOUNDATION HAS EMPLOYED A VARIETY OF TACTICS TO MAXIMIZE OUTREACH AND IMPACT INCLUDING: EDUCATIONAL EVENTS; PUBLIC TELEVISION AND DVD DISTRIBUTION OF AN AWARD-WINNING DOCUMENTARY; NATIONAL, STATE AND LOCAL PARTNERSHIPS THAT ARE FACILITATING A GROWING NETWORK OF ON-THE-GROUND "FRAUD FIGHTERS"; LEADERSHIP IN THE AREA OF FINANCIAL FRAUD RESEARCH COLLECTION AND DISSEMINATION; AND A ROBUST OUTREACH EFFORT. CAMPAIGN ACTIVITIES AND RESOURCES ARM INVESTORS WITH THE TOOLS AND KNOWLEDGE THEY NEED TO: REALIZE THEY ARE VULNERABLE TO FINANCIAL FRAUD; IDENTIFY PERSUASION TACTICS USED BY FRAUDSTERS; AND REDUCE RISKY BEHAVIORS BY ASKING THE RIGHT QUESTIONS AND KNOWING HOW TO VERIFY ANSWERS. 4C) MILITARY FINANCIAL READINESS PROJECT THE FOUNDATION LAUNCHED A COMPREHENSIVE CAMPAIGN TO DELIVER FINANCIAL EDUCATION TOOLS AND TRAINING TO MILITARY SERVICE MEMBERS AND THEIR SPOUSES IN 2006. THE MULTI-FACETED INITIATIVE INCLUDES: AN ONLINE RESOURCE CENTER; ON-THE-GROUND TRAINING; EDUCATIONAL MATERIALS AND PROGRAMS; AND A LONG-TERM PUBLIC OUTREACH CAMPAIGN. THE FOUNDATION IS A PROUD PARTNER IN THE DEPARTMENT OF DEFENSE FINANCIAL READINESS CAMPAIGN. 4D) OTHER PROGRAM SERVICES INCLUDE THE FOLLOWING: NATIONAL FINANCIAL CAPABILITY STUDY THE FOUNDATION FIRST CONDUCTED THE NATIONAL FINANCIAL CAPABILITY STUDY IN 2009 TO BENCHMARK AND BETTER UNDERSTAND HOW AMERICAN ADULTS HANDLE THEIR FINANCES. IN 2012, THE FOUNDATION CONDUCTED A SECOND WAVE OF THE STUDY, IN COLLABORATION WITH THE PRESIDENT'S ADVISORY COUNCIL ON FINANCIAL CAPABILITY, THE DEPARTMENT OF THE TREASURY AND OTHER AGENCIES. THE SECOND WAVE WILL PROVIDE A GREAT DEAL OF VALUABLE COMPARATIVE DATA WHEN USED IN COMBINATION WITH THE INITIAL 2009 WAVE. THE 2012 STUDY COMPRISES TWO PRIMARY SURVEYS-A STATE-BY-STATE SURVEY AND A MILITARY SURVEY-AND INCLUDES A SAMPLE FROM THE RAND AMERICAN LIFE PANEL. THIS ADDITIONAL SAMPLE WILL ALLOW RESEARCHERS TO CONDUCT LONGITUDINAL ANALYSIS AND COMBINE STUDY DATA WITH OTHER SOURCES OF DATA. GENERATION MONEY: IMPROVING TEEN FINANCIAL LITERACY THE FOUNDATION, IN PARTNERSHIP WITH THE CONSUMER FEDERATION OF AMERICA AND CHANNEL ONE NETWORK NEWS, SUPPORTED A MULTIMEDIA PROJECT TO IMPROVE KNOWLEDGE OF FUNDAMENTALLY IMPORTANT FINANCIAL LITERACY CONCEPTS AMONG AMERICAN TEENAGERS, AND TO PROVIDE THEM WITH THE SKILLS TO APPLY THESE CONCEPTS TO EVERYDAY FINANCIAL DECISION-MAKING. TOPICS INCLUDED COMPOUND INTEREST, SAVING AND INVESTING TO ACHIEVE LIFE GOALS, BUDGETING AND PAYING FOR COLLEGE. SPECIAL ATTENTION WAS GIVEN TO THE MATHEMATICS OF PERSONAL FINANCE.
CLASSES OF MEMBERS AND THE NATURE OF THEIR RIGHTS	FORM 990, PART VI, LINES 6, 7A and 7B	LINE 6 - THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC. (FINRA) IS THE SOLE MEMBER OF THE FOUNDATION. LINE 7A - FINRA, AS SOLE MEMBER, ELECTS ALL MEMBERS OF THE GOVERNING BODY. LINE 7B - THE BYLAWS OF THE CORPORATION MAY BE ADOPTED, AMENDED OR REPEALED BY A MAJORITY VOTE OF THE DIRECTORS IN OFFICE; PROVIDED, THAT ANY AMENDMENT TO THE SECTIONS OF THE BYLAWS GOVERNING THE NUMBER OF DIRECTORS, THE ELECTION OF DIRECTORS, VACANCIES OR REMOVAL OF DIRECTORS REQUIRES THE APPROVAL OF THE MEMBER, FINRA. THE CERTIFICATE OF INCORPORATION OF THE CORPORATION MAY BE AMENDED OR REPEALED IN WHOLE OR IN PART ONLY WITH THE AFFIRMATIVE APPROVAL OF THE MEMBER, FINRA.
FORM 990 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 24, 2013. FORM 990, PART VI EMPLOYMENT RULES AND POLICIES THE FOUNDATION DOES NOT HAVE ANY EMPLOYEES. ALL SERVICES ARE PROVIDED BY EMPLOYEES OF FINRA OR ITS SUBSIDIARIES. THE FOUNDATION DOES NOT PAY FOR THEIR SERVICES. AS SUCH, THOSE INDIVIDUALS ARE SUBJECT TO THE EMPLOYMENT RULES AND POLICIES OF FINRA.
WRITTEN CONFLICT OF INTEREST 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 OR ITS SUBSIDIARIES, AND, AS SUCH, ARE ALSO REQUIRED TO CERTIFY ANNUALLY AS TO THEIR COMPLIANCE WITH FINRA'S WRITTEN CONFLICT OF INTEREST POLICY. THE WRITTEN POLICY CONTAINS AN ONGOING OBLIGATION FOR EMPLOYEES TO INFORM FINRA OF ALL BROKERAGE ACCOUNTS IN WHICH THEY HAVE AN INTEREST AND TO ARRANGE FOR FINRA TO RECEIVE DUPLICATE ACCOUNT STATEMENTS. FINRA REVIEWS TRANSACTIONS IN EMPLOYEES' BROKERAGE ACCOUNTS TO ENSURE COMPLIANCE WITH FINRA'S INVESTMENT RESTRICTIONS. AMONG OTHER THINGS, THESE RESTRICTIONS PROHIBIT EMPLOYEES FROM HAVING AN INTEREST IN A BROKER-DEALER OR ENTITY THAT DERIVES 10% OR MORE OF ITS REVENUE, NET OF INTEREST EXPENSE, FROM BROKER-DEALER SUBSIDIARIES OR AFFILIATES. A LIST OF PROHIBITED COMPANIES IS POSTED ON FINRA'S CORPORATE INTRANET. FINRA'S DEPARTMENT HEADS HAVE ACCESS TO SEVERAL ONLINE REPORTS THAT HELP THEM AVOID ASSIGNING AN EMPLOYEE TO WORK ON A PROJECT THAT WOULD GIVE RISE TO A CONFLICT. FOR INSTANCE, A MANAGER CAN DETERMINE WHETHER AN EMPLOYEE'S STOCK HOLDINGS WOULD CONFLICT WITH A PROPOSED FINRA ASSIGNMENT (E.G., ASSIGNING AN EMPLOYEE TO NEGOTIATE A CONTRACT WITH A VENDOR IN WHICH THE EMPLOYEE HAS A SIGNIFICANT STOCK POSITION). EMPLOYEES ARE REGULARLY REMINDED OF THE RESOURCES THAT ARE AVAILABLE WHEN THEY ARE UNSURE WHAT TO DO. IN ADDITION TO TALKING TO DEPARTMENTAL MANAGEMENT, EMPLOYEES CAN DISCUSS CONFLICTS-RELATED CONCERNS WITH FINRA'S OFFICE OF GENERAL COUNSEL OR ETHICS MANAGER. IF THEY ARE UNCOMFORTABLE DISCLOSING AN ISSUE AND DISCLOSING THEIR IDENTITY, THEY CAN USE FINRA'S 24-HOUR ETHICSPOINT HOTLINE TO POSE QUESTIONS OR REPORT CONCERNS. COMMUNICATIONS MADE THROUGH ETHICSPOINT ARE CONFIDENTIAL AND, IF THE EMPLOYEE WISHES, ANONYMOUS. FINRA'S WHISTLEBLOWER POLICY FORBIDS RETALIATION AGAINST EMPLOYEES WHO REPORT SUSPECTED MISCONDUCT IN GOOD FAITH, EVEN IF THE REPORT ULTIMATELY PROVES TO BE ERRONEOUS.
PROCESS TO DETERMINE COMPENSATION OF TOP OFFICIALS, OFFICERS & KEY EMP.	FORM 990, PART VI, LINES 15A AND 15B	THE MANAGEMENT COMPENSATION COMMITTEE OF THE BOARD OF GOVERNORS OF FINRA (THE "COMMITTEE") IS RESPONSIBLE FOR SETTING PAY FOR EXECUTIVES OF FINRA AND SUBSIDIARIES WHOSE TOTAL COMPENSATION, INCLUDING INCENTIVE COMPENSATION, MAY EXCEED $1 MILLION. THE COMMITTEE IS COMPRISED OF FOUR NON-EMPLOYEE, NON-SECURITIES INDUSTRY MEMBERS OF THE FINRA BOARD OF GOVERNORS. THE COMMITTEE MET ON JANUARY 18, 2012 AND FEBRUARY 15, 2012 TO ESTABLISH INCENTIVE COMPENSATION ATTRIBUTABLE TO THE PERFORMANCE OF SERVICES DURING CALENDAR YEAR 2011 AND TO ESTABLISH BASE SALARIES FOR CALENDAR YEAR 2012. AS A GENERAL POLICY, FINRA HAS DETERMINED ITS COMPETITIVE COMPENSATION POSITIONING SHOULD BE CONSIDERED AGAINST A BROAD SECTION OF FINANCIAL SERVICES/CAPITAL MARKET COMPANIES, AS THIS SECTOR IS THE MOST LIKELY FROM WHICH WE RECRUIT TALENT AND TALENT IS RECRUITED FROM US. WE ALSO BENCHMARK AGAINST GENERAL INDUSTRY POSITIONS AND LAW DEPARTMENTS FOR JOBS THAT ARE NOT UNIQUE TO THE FINANCIAL SERVICES INDUSTRY. THE COMMITTEE ENGAGED MERCER, INC. ("MERCER"), A THIRD-PARTY COMPENSATION CONSULTANT, TO PREPARE A COMPENSATION STUDY FOR REVIEW AT THESE MEETINGS. IN DETERMINING A BENCHMARKING STRATEGY FOR KEY EXECUTIVES, FINANCIAL SERVICES ORGANIZATIONS (BROKER-DEALERS, INVESTMENT BANKS, FEDERAL RESERVE BANKS, COMMERCIAL BANKS, INSURANCE COMPANIES, EXCHANGES AND REGULATORS) WERE DETERMINED TO BE THE MOST RELEVANT GROUPS FOR COMPARISON PURPOSES. THE COMMITTEE AND MERCER ENGAGED IN SUBSTANTIAL RESEARCH AND CONSIDERATION OF THE FUNCTIONS AND OPERATIONS OF SEVERAL POTENTIAL COMPARATORS AS WELL AS GENERAL COMPETITIVE CONDITIONS. IN DETERMINING SPECIFIC SALARY AND INCENTIVE COMPENSATION LEVELS FOR OFFICERS AND KEY EMPLOYEES, MANAGEMENT AND THE COMMITTEE CONSIDER: 1) OPERATONAL RESULTS 2) STRATEGIC INITIATIVES 3) FINANCIAL HEALTH/RESULTS 4) INDIVIDUAL PERFORMANCE 5) COMPETITIVE COMPENSATION LEVELS AS PREPARED BY MERCER THE COMMITTEE'S MINUTES OF THE JANUARY 18, 2012 AND FEBRUARY 15, 2012 MEETINGS WERE REVIEWED AND APPROVED AS ACCURATE AND COMPLETE FOLLOWING THE COMMITTEE'S APPROVAL OF THE SENIOR EXECUTIVE COMPENSATION PACKAGES. THE FULL BOARD FURTHER APPROVED THE 2011 INCENTIVE COMPENSATION OF THE CEO AT ITS MEETING ON FEBRUARY 16, 2012. ALL COMPENSATION COMMITTEE MEMBERS VOTED FOR THE PROPOSED LEVEL OF EXECUTIVE COMPENSATION.
PUBLIC AVAILABILITY OF GOVERNING DOCUMENTS, CONFLICT OF INTEREST	POLICY AND FINANCIAL STATEMENTS	FORM 990, PART VI, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS AND AUDITED FINANCIAL STATEMENTS AVAILABLE UPON REQUEST.
GRANTS AND OTHER ASSISTANCE - PURPOSE OF GRANT OR ASSISTANCE	SCHEDULE I, PART I	ALBANY COUNTY PUBLIC LIBRARY, LARAMIE, WY (83-0240069) ALBANY COUNTY PUBLIC LIBRARY IS PARTNERING WITH FACULTY FROM THE UNIVERSITY OF WYOMING AND A LOCAL TECHNICAL COLLEGE TO PROVIDE LARAMIE RESIDENTS WITH A BETTER UNDERSTANDING OF PERSONAL FINANCES AND TOOLS TO MAKE OPTIMAL FINANCIAL DECISIONS. WORKSHOPS WILL EMPHASIZE FINANCE BASICS, PREPARING TO INVEST, RETIREMENT PLANNING AND STUDENT LOAN DEBT MANAGEMENT. ARIVA, INC., NEW YORK, NY (32-0028598) ARIVA, INC., A SOCIAL SERVICES AGENCY ANNUALLY SERVING OVER 26,000 TAX CLIENTS IN THE BRONX, WILL OFFER EXPANDED SERVICES, INCLUDING PERSONAL FINANCIAL EDUCATION WORKSHOPS, A RETIREMENT SAVINGS WORKSHOP AND THE AVAILABILITY OF PERSONAL FINANCIAL COUNSELING AND COACHING. ARIVA WILL ALSO PARTNER WITH LOCAL COMMUNITY COLLEGES TO OFFER SPANISH-LANGUAGE AND ON-CAMPUS WORKSHOPS. THE ASPIRA ASSOCIATION, INC., WASHINGTON, DC (13-2627568) EXPANDING HISPANIC COMMUNITIES' AWARENESS OF THE IMPORTANCE OF FINANCIAL INVESTMENT THE ASPIRA ASSOCIATION AND ITS MEDIA PARTNERS WILL CONDUCT A NATIONWIDE SOCIAL MARKETING CAMPAIGN TO COMMUNICATE THE IMPORTANCE OF INVESTING AND WEALTH CREATION TO FIRST- AND SECOND-GENERATION LATINOS. THE PROJECT WILL EXPAND THE CAPACITY OF HISPANIC COMMUNITY- AND FAITH-BASED ORGANIZATIONS TO DELIVER INVESTOR EDUCATION WORKSHOPS AND FACILITATE THE ACHIEVEMENT OF PERSONAL AND FAMILY FINANCIAL GOALS. BOONE COUNTY PUBLIC LIBRARY, BURLINGTON, KY (61-0673886) BOONE COUNTY PUBLIC LIBRARY AND THE BRIGHTON CENTER, A SOCIAL SERVICES AGENCY REACHING 84,000 CLIENTS IN NORTHERN KENTUCKY, ARE COLLABORATING TO IMPROVE THE FINANCIAL LITERACY AND FISCAL HEALTH OF FAMILIES IN THE REGION. THE PROJECT WILL CHALLENGE FAMILIES TO EVALUATE AND IMPROVE THEIR FINANCIAL HEALTH THROUGH A SERIES OF INTERACTIVE LEARNING EXPERIENCES. BROOKLYN PUBLIC LIBRARY, BROOKLYN, NY (11-1904261) BROOKLYN PUBLIC LIBRARY WILL OFFER A COMBINATION OF WORKSHOPS, SEMINARS, INDIVIDUAL COUNSELING SESSIONS AND VIRTUAL INVESTMENT CLUBS FOR ADULTS AND TEENS IN THE LIBRARY'S SERVICE AREA. THE BEDFORD-STUYVESANT RESTORATION CORPORATION (THE NATION'S FIRST COMMUNITY DEVELOPMENT CORPORATION), THE COALITION FOR DEBTOR EDUCATION AND MIND YOUR MONEY (AN ORGANIZATION DEVOTED TO THE FINANCIAL LITERACY OF TEENS AND PRE-TEENS) WILL ASSIST WITH PUBLIC PROGRAMS AND ONE-ON-ONE COUNSELING. CAPITAL AREA UNITED WAY, BATON ROUGE, LA (72-0447100) CAPITAL AREA UNITED WAY WILL PARTNER WITH LOCAL CHILDCARE FACILITIES TO PROVIDE FINANCIAL EDUCATION WORKSHOPS FOR THE LOW-INCOME PARENTS OF PRE-SCHOOL AGE CHILDREN. CHILDCARE FACILITY DIRECTORS AND STAFF WILL ALSO TAKE PART IN A SERIES OF WORKSHOPS THAT ENCOMPASS PERSONAL FINANCIAL EDUCATION, TRAIN-THE-TRAINER SKILLS TRAINING, AND INFORMATION AND TIPS ON HOW TO MAKE REFERRALS TO PARENTS WHO MIGHT BENEFIT FROM ADDITIONAL ECONOMIC SUPPORTS AND SERVICES. CARMEL CLAY PUBLIC LIBRARY, CARMEL, IN (35-1787253) CARMEL CLAY PUBLIC LIBRARY WILL COLLABORATE WITH THE LOCAL PUBLIC SCHOOL SYSTEM, THE BALL STATE UNIVERSITY CENTER FOR ECONOMIC EDUCATION, AND THE INDIANA COUNCIL FOR ECONOMIC EDUCATION AND THE INDIANA YOUTH INSTITUTE TO ESTABLISH THE LIBRARY AS THE COUNTY'S FOCAL POINT FOR PERSONAL FINANCE LEARNING. THE PROGRAM WILL ADDRESS MONEY BASICS FOR TEENS, COLLEGE FINANCING, RETIREMENT PLANNING AND INVESTOR PROTECTION, AMONG OTHER TOPICS. CENTRAL NEW MEXICO COMMUNITY COLLEGE FOUNDATION, ALBUQUERQUE, NM (85-0338623) THE CENTRAL NEW MEXICO COMMUNITY COLLEGE FOUNDATION IS PILOTING AN INNOVATIVE "AUTOMATIC ENROLLMENT" MODEL THAT TIES STUDENT FINANCIAL SERVICES TO A COURSE SYLLABUS. THROUGH PARTNERSHIPS WITH COMMUNITY AGENCIES, STUDENTS ENROLLED IN A BASIC FINANCE COURSE WILL BE EXPOSED TO PROGRAMS THAT INCREASE FINANCIAL STABILITY, INCLUDING SOCIAL SERVICES BENEFITS SCREENING, FREE TAX PREPARATION SERVICES AND LEGAL ADVICE ON FINANCIAL MATTERS. ONE-ON-ONE CAREER AND FINANCIAL AID COUNSELORS WILL HELP STUDENTS PUT THEIR INDIVIDUAL PLANS INTO ACTION. CONNECTICUT ASSOCIATION FOR HUMAN SERVICES, HARTFORD, CT (06-0653158) THE CONNECTICUT ASSOCIATION FOR HUMAN SERVICES WILL PARTNER WITH EXISTING VOLUNTEER INCOME TAX ASSISTANCE COALITIONS TO PROVIDE ACCESS TO FINANCIAL EDUCATION, FINANCIAL COACHING AND ASSET BUILDING PROGRAMS FOR 1,700 CLIENTS WHO QUALIFY FOR THE EARNED INCOME TAX CREDIT. THE PROJECT WILL FOCUS ON NEIGHBORHOODS IN FAIRFIELD, NEW HAVEN AND LITCHFIELD COUNTIES, WHERE 40 PERCENT OR MORE OF THE POPULATION QUALIFIES FOR THE REFUNDABLE TAX CREDIT. DAKOTA COUNTY LIBRARY, EAGAN, MN (31-1629273) DAKOTA COUNTY LIBRARY'S INITIATIVE, "DOLLARS BY THE DECADE," WILL PROMOTE FINANCIAL LITERACY EDUCATION AS A LIFELONG PROCESS ADDRESSING THE EVOLVING NEEDS OF RESIDENTS IN VARIOUS LIFE STAGES. RECOGNIZING THAT INDIVIDUALS WILL COME TO THE PROGRAM WITH DIFFERENT LEVELS OF KNOWLEDGE AND INTERESTS, THE PROGRAM WILL USE PRINT, DIGITAL AND IN-PERSON WORKSHOPS TO TEACH PERSONAL FINANCE FUNDAMENTALS SUCH AS BUDGETING, SAVING, SPENDING, CREDIT AND FINANCIAL PROTECTION. DELAWARE COUNTY LIBRARY SYSTEM, MEDIA, PA (27-2789554) DELAWARE COUNTY LIBRARY SYSTEM IS PARTNERING WITH THE CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY AND VARIOUS PENNSYLVANIA STATE AGENCIES TO IMPROVE THE FINANCIAL LITERACY AND CAPABILITY OF LOW- TO MODERATE-INCOME FAMILIES IN THE REGION. EDUCATIONAL EXPERIENCES WILL HELP PARTICIPANTS MANAGE BUDGETS AND DEBT AND PLAN FOR FUTURE NEEDS. ESTES VALLEY LIBRARY, ESTES PARK, CO (74-2385213) ESTES VALLEY LIBRARY WILL PARTNER WITH THE LOCAL SCHOOL DISTRICT, THE YMCA, AND THE ESTES PARK HOUSING AUTHORITY TO IMPROVE THE FINANCIAL AND INVESTING LITERACY OF AREA RESIDENTS, WITH A PARTICULAR EMPHASIS ON YOUTH, LOWER-INCOME FAMILIES, AND SENIORS WHO NEED HELP MANAGING THEIR RETIREMENT INCOME. THE PROJECT WILL PROVIDE A SEMINAR SERIES ON BUDGETING, FINANCIAL GOAL SETTING, DEBT REDUCTION, AND SAVINGS, AS WELL AS FINANCIAL CARE-GIVING FOR AGING PARENTS. THE SEMINARS WILL ENCOMPASS MORE THAN 1,000 HOURS OF INSTRUCTIONAL TIME PER YEAR IN BOTH ENGLISH AND SPANISH. FIRST NATIONS DEVELOPMENT INSTITUTE, LONGMONT, CO (54-1254491) PARTNERING WITH THE OFFICE OF THE SPECIAL TRUSTEE: NEW DISTRIBUTION CHANNELS FOR INVESTOR EDUCATION FIRST NATIONS DEVELOPMENT INSTITUTE IS PARTNERING WITH THE U.S. DEPARTMENT OF THE INTERIOR'S OFFICE OF THE SPECIAL TRUSTEE FOR AMERICAN INDIANS TO CREATE NEW MARKETING AND DISTRIBUTION CHANNELS TO MEET THE FINANCIAL AND INVESTOR EDUCATION NEEDS OF NATIVE AMERICANS. THIS PROJECT BUILDS UPON TWO PREVIOUS FOUNDATION GRANTS TO FIRST NATIONS THAT RESULTED IN THE DEVELOPMENT OF PRINT AND ONLINE VERSIONS OF A CURRICULUM, BUILDING NATIVE COMMUNITIES: INVESTING FOR THE FUTURE, AND TWO COMPLEMENTARY RESOURCES, AN INSTRUCTOR GUIDE AND A RESOURCE GUIDE, DESIGNED FOR TRAINERS WHO PROVIDE INVESTOR EDUCATION TO NATIVE AMERICANS.
FLORIDA INTERNATIONAL UNIVERSITY COLLEGE OF LAW (FIU), MIAMI, FL	(65-0177616)	THE FLORIDA INTERNATIONAL UNIVERSITY COLLEGE OF LAW WILL START THE FIRST LAW SCHOOL CLINIC IN THE SOUTH THAT WILL PROVIDE LEGAL ADVICE AND OTHER HELP TO A LARGE AND GROWING NUMBER OF UNDERSERVED INVESTORS. FIU LAW SCHOOL HAS THE HIGHEST PERCENTAGE OF HISPANIC LAW STUDENTS IN THE NATION, AND BILINGUAL COMMUNITY OUTREACH EFFORTS BY CLINIC STUDENTS MAY REMOVE A CRITICAL BARRIER FOR THOSE SEEKING DISPUTE RESOLUTION SERVICES. ADA COUNTY FREE LIBRARY DISTRICT, BOISE, ID (82-0493092) ADA COUNTY LYNX! CONSORTIUM LIBRARIES WILL OFFER AN ARRAY OF PROGRAMS AND ELECTRONIC SERVICES TO MEET THE FINANCIAL EDUCATION NEEDS OF GENERATION Y RESIDENTS (AGES 18-32). THE UNIVERSITY OF IDAHO EXTENSION AND OTHER STATE AGENCIES WILL COLLABORATE ON A VARIETY OF PROJECT COMPONENTS, INCLUDING FINANCE BOOK CLUBS FOR YOUNG PROFESSIONALS AND A PERSONAL FINANCE PORTAL DESIGNED FOR MOBILE TELEPHONES AND TABLET COMPUTERS. MARTIN COUNTY LIBRARY SYSTEM (59-6155142) MARTIN COUNTY LIBRARY SYSTEM AND THE UNIVERSITY OF FLORIDA COOPERATIVE EXTENSION WILL PROVIDE A GRADUATED SERIES OF PERSONAL FINANCE AND INVESTING WORKSHOPS FOR LOWER-INCOME RESIDENTS REFERRED BY HABITAT FOR HUMANITY AND LOCAL SOCIAL SERVICES AGENCIES. THE PROGRAMMING WILL EMPHASIZE THE FINANCIAL CONSIDERATIONS PERTAINING TO HOMEOWNERSHIP, SAVING FOR CHILDREN'S EDUCATION, PLANNING FOR RETIREMENT AND REBUILDING A NEST EGG. BURLINGTON COUNTY LIBRARY SYSTEM, WESTAMPTON, NJ (22-3346975) BURLINGTON COUNTY LIBRARY SYSTEM WILL PARTNER WITH RUTGERS UNIVERSITY COOPERATIVE EXTENSION, THE NEW JERSEY COALITION FOR FINANCIAL EDUCATION AND THE LIBRARY/TECHNOLOGY CENTER AT NEARBY JOINT BASE MCGUIRE-DIX-LAKEHURST TO OFFER A VARIETY OF PERSONAL FINANCE AND INVESTING WORKSHOPS FOR ADULTS. THESE FACE-TO-FACE SESSIONS WILL BE SUPPLEMENTED BY CUSTOMIZABLE WEB-BASED LEARNING RESOURCES. CHESTERFIELD COUNTY PUBLIC LIBRARY, CHESTERFIELD, VA (52-1245254) CHESTERFIELD COUNTY PUBLIC LIBRARY WILL WORK WITH LOCAL ELEMENTARY SCHOOLS, PARENT TEACHER ASSOCIATION'S AND THE FEDERAL RESERVE BANK OF RICHMOND TO HELP MOMS AND THEIR CHILDREN UNDERSTAND THE MATHEMATICS OF PERSONAL FINANCE AND INVESTING. FAIRFIELD PUBLIC LIBRARY, FAIRFIELD, CT (54-2119268) FAIRFIELD PUBLIC LIBRARY WILL BUILD ON ITS AWARD-WINNING JOB ASSISTANCE PROGRAM AND OFFER A SERIES OF PRACTICAL PERSONAL FINANCE WORKSHOPS FOR ADULTS AIMED AT EXPANDING INVESTING CAPABILITY WITH A COMBINATION OF DIRECT INSTRUCTION AND TEAM-BASED LEARNING. GREENVILLE COUNTY LIBRARY SYSTEM, GREENVILLE, SC (57-0520476) GREENVILLE COUNTY LIBRARY SYSTEM AND ITS PARTNERS WILL PURSUE A MULTIFACETED PROJECT DESIGNED TO TURN PERSONAL FINANCE ASSUMPTIONS INTO CHANGED ATTITUDES, CHANGED ATTITUDES INTO CHANGED BEHAVIORS, AND CHANGED BEHAVIORS INTO CHANGED HABITS. WORKSHOPS ON THE PSYCHOLOGY OF SPENDING, A PUBLIC INFORMATION CAMPAIGN ANCHORED BY A DEDICATED PROJECT WEBSITE AND HELP WITH TAX PREPARATION ARE JUST A FEW OF THE STRATEGIES PLANNED TO HELP FEMALE HEADS OF HOUSEHOLD OVERCOME OBSTACLES AND ACHIEVE THEIR MONEY GOALS. APACHE JUNCTION PUBLIC LIBRARY, APACHE JUNCTION, AZ (86-0508052) THE APACHE JUNCTION PUBLIC LIBRARY WILL PARTNER WITH THE UNIVERSITY OF ARIZONA TO OFFER FINANCIAL LITERACY CLASSES AT THE LIBRARY AND OTHER COMMUNITY LOCATIONS, EMPHASIZING THE SMALL STEPS RESIDENTS CAN TAKE TO LEAD A HEALTHY LIFESTYLE, BOTH PHYSICALLY AND FINANCIALLY. GENESEE DISTRICT LIBRARY (38-2288236) THE GENESEE DISTRICT LIBRARY WILL COLLABORATE WITH CENTRAL MICHIGAN UNIVERSITY AND THE REGIONAL CHAMBER OF COMMERCE TO ESTABLISH A "FAMILY FINANCIAL FREEDOM" EDUCATION INITIATIVE WITH PROGRAMMING AND SERVICES FOR K-12 STUDENTS, CURRENT COLLEGE STUDENTS, RECENT GRADUATES AND AFRICAN AMERICAN WOMEN, AMONG OTHERS. TROY PUBLIC LIBRARY, TROY, MI (38-6091389) TROY PUBLIC LIBRARY WILL HELP HIGH SCHOOL STUDENTS AND THEIR PARENTS TO ESTABLISH A FINANCIAL PLAN FOR COLLEGE AND BEYOND. THE PROJECT ADDRESSES SAVING AND INVESTING TO COVER COLLEGE EXPENSES, AS WELL AS THE SKILLS AND KNOWLEDGE STUDENTS NEED TO MANAGE THEIR FINANCES WHILE IN COLLEGE AND AFTER THEY GRADUATE. SESSIONS WILL BEGIN WITH A FOCUS ON FINANCIAL BASICS (BANKING, BUDGETING, ETC.), MOVING ON TO COLLEGE AFFORDABILITY, FINANCIAL AID, INVESTMENT CONSIDERATIONS, AND MANAGING DEBT AFTER GRADUATION. SESSIONS WILL ALSO REINFORCE PARENTS' ROLE AS THE PRIMARY FINANCIAL BEHAVIORAL MODEL FOR THEIR STUDENTS. THE SEMINARS WILL TAKE PLACE AT THE LIBRARY'S TECHNOLOGY CENTER AND AT THREE AREA HIGH SCHOOLS. NEARBY OAKLAND UNIVERSITY, WALSH COLLEGE, THE LOCAL CONSUMER CREDIT COUNSELING AGENCY, AND THE CITY OF TROY FINANCE DEPARTMENT WILL PROVIDE INSTRUCTIONAL SUPPORT FOR THE PROJECT. GEORGE WASHINGTON UNIVERSITY, WASHINGTON, DC (53-0196586) WORKPLACE FINANCIAL EDUCATION FOR NEWLY HIRED WORKERS FACULTY AT GEORGE WASHINGTON UNIVERSITY AND NORTH CAROLINA STATE UNIVERSITY ARE PREPARING A REPORT DESCRIBING PRACTICAL, COST-EFFECTIVE STRATEGIES THAT EMPLOYERS CAN PURSUE TO ENCOURAGE NEW EMPLOYEES TO SAVE FOR RETIREMENT. THE REPORT WILL EXAMINE AUTOMATIC RETIREMENT SAVINGS ENROLLMENT FEATURES, SHARE WORKER PERSPECTIVES ON FINANCIAL INFORMATION PROVIDED TO THEM BY THEIR EMPLOYERS, AND DESCRIBE LOW-COST "INFORMATIONAL NUDGES" THAT CAN INCREASE RETIREMENT SAVINGS. THE REPORT WILL ALSO PROVIDE GUIDANCE TO EMPLOYERS SEEKING TO ASSESS THEIR CURRENT PLAN DESIGNS AND EDUCATIONAL EFFORTS. GEORGIA STATE UNIVERSITY COLLEGE OF LAW, ATLANTA, GA (58-6002050) GEORGIA STATE UNIVERSITY COLLEGE OF LAW WILL ESTABLISH THE FIRST INVESTOR CLINIC IN GEORGIA. THE NEW CLINIC WILL SERVE SMALL INVESTORS WHO MAY NOT BE ABLE TO OBTAIN REPRESENTATION DUE TO THE SIZE OF THEIR CLAIMS. THE CLINIC WILL ALSO DEVELOP AN EDUCATIONAL PROGRAM FOR STATE RESIDENTS TO HELP THEM LEARN ABOUT INVESTING AND HOW TO AVOID BECOMING VICTIMS OF FRAUD. HOWARD UNIVERSITY SCHOOL OF LAW, WASHINGTON, DC (53-0204707) THE HOWARD UNIVERSITY SCHOOL OF LAW WILL EXPAND ITS CLINICAL LAW CENTER TO INCLUDE AN INVESTOR JUSTICE AND EDUCATION CLINIC. THE CLINIC WILL PROVIDE LEGAL ADVICE TO UNDERSERVED INVESTORS AND WILL CONDUCT INVESTOR EDUCATION WORKSHOPS AND SEMINARS IN COOPERATION WITH OUTSIDE COMMUNITY ASSOCIATIONS, FAITH-BASED ORGANIZATIONS AND GOVERNMENT AGENCIES. IDA RUPP PUBLIC LIBRARY, PORT CLINTON, OH (34-6401091) IDA RUPP PUBLIC LIBRARY WILL PARTNER WITH UNITED WAY, THE PORT CLINTON CITY SCHOOL DISTRICT, AND COMMUNITY ORGANIZATIONS TO TEACH LOW-INCOME CHILDREN AND THEIR PARENTS FINANCIAL FUNDAMENTALS THROUGH HANDS-ON SUMMER ACTIVITIES, AS WELL AS WORKSHOPS AND CLASSES SCHEDULED THROUGHOUT THE YEAR. PROGRAMMING WILL ADDRESS EARNING MONEY, NEEDS VS. WANTS, BANKING FUNDAMENTALS, BUDGETING BASICS, ESTABLISHING SAVINGS GOALS, AND SIMILAR BASIC TOPICS. CHILDREN WILL BE INCENTIVIZED TO READ AGE-APPROPRIATE STORYBOOKS WITH A MONEY THEME AND REPORT WHAT THEY LEARN. THROUGHOUT THE NON-SUMMER MONTHS, THE LIBRARY WILL SPONSOR ADDITIONAL ACTIVITIES THAT BRING PARENTS, CHILDREN, AND TEENS TOGETHER AND MODEL STRATEGIES THAT PARENTS CAN USE TO TEACH THEIR CHILDREN GOOD MONEY HABITS AND SKILLS. ADULT PROGRAMS-CONDUCTED IN PARTNERSHIP WITH UNITED WAY, LOCAL FINANCIAL EDUCATORS, AND SUPERVISED GRADUATE STUDENTS FROM BOWLING GREEN UNIVERSITY'S ECONOMICS DEPARTMENT-WILL ADDRESS INVESTING BASICS, CREDIT, DEBT, HOUSEHOLD BUDGETING, IDENTITY THEFT, FRAUD PREVENTION, AND PERSONAL FINANCE RESOURCES AVAILABLE AT THE LIBRARY.
INNOVATIONS FOR POVERTY ACTION, NEW HAVEN, CT (06-1660068)		EVALUATING THE EFFECTIVENESS OF FINANCIAL EDUCATION AND COMMITMENT SAVINGS CONTRACTS RESEARCHERS ARE INVESTIGATING THE EXTENT TO WHICH COMMITMENT CONTRACTS IMPROVE THE FINANCIAL WELL-BEING OF LOW-INCOME INDIVIDUALS. BASED ON BEHAVIORAL FINANCE, COMMITMENT CONTRACTS HELP CLIENTS ACQUIRE THE DISCIPLINE TO REACH SELF-DEFINED GOALS. CREDIT WHERE CREDIT IS DUE, A NEW YORK CITY NONPROFIT THAT FACILITATES WEALTH BUILDING THROUGH FINANCIAL EDUCATION AND COMMUNITY PARTNERSHIPS WITH CREDIT UNIONS AND OTHERS, IS HELPING RESEARCHERS FACILITATE RANDOMIZED CONTROLLED FIELD EXPERIMENTS AND PROVIDING FINANCIAL EDUCATION. LAWRENCE PUBLIC LIBRARY, LAWRENCE, KS (48-1179872) LAWRENCE PUBLIC LIBRARY WILL INCORPORATE A NEW FINANCIAL WELLNESS CLINIC INTO ITS BUSINESS CENTER TO PROVIDE STRAIGHTFORWARD MONEY MANAGEMENT AND INVESTING INFORMATION TO LOW-INCOME FAMILIES. THIS WILL BE ACCOMPLISHED THROUGH PARTNERSHIPS WITH THE LOCAL SCHOOL DISTRICT AND SOCIAL SERVICES AGENCIES, A SERIES OF EDUCATIONAL WORKSHOPS AND A PROMOTIONAL CAMPAIGN USING BOTH TRADITIONAL AND SOCIAL MEDIA. MULTNOMAH COUNTY LIBRARY, PORTLAND, OR (93-1190983) MULTNOMAH COUNTY LIBRARY WILL EXPAND ITS MOBILE FINANCIAL LITERACY LABS TESTED UNDER A PREVIOUS GRANT FROM SMART INVESTING@YOUR LIBRARY. THE LABS WILL BE STAFFED BY A TEAM OF TRAINED LIBRARIANS AND WILL USE TABLET, TOUCH-SCREEN TECHNOLOGY TO CONNECT VULNERABLE POPULATIONS WITH CURATED FINANCIAL AND INVESTOR EDUCATION RESOURCES FORMATTED TO SUIT USERS' DIFFERENT LEARNING PREFERENCES. THE LABS WILL ALSO INCORPORATE CURRICULUM MODULES CUSTOMIZED FOR EACH AUDIENCE COHORT. THE NEW LAB LESSONS WILL BE DIFFERENTIATED BY AUDIENCE GROUP AND WILL INCLUDE: CREATING A BUDGET; ESTABLISHING AN EMERGENCY FUND; PAYING DOWN CONSUMER DEBT; MANAGING CREDIT; AVOIDING SCAMS AND PAYDAY LENDERS; INVESTING FOR RETIREMENT; SAFEGUARDING INVESTMENTS; UNDERSTANDING REVERSE MORTGAGES; ESTATE PLANNING; AND CARING FOR AND PROTECTING ELDERLY PARENTS FINANCIALLY. STATE LIBRARY OF IOWA, DES MOINES, IA (23-1365979) THE STATE LIBRARY OF IOWA, IN PARTNERSHIP WITH IOWA STATE UNIVERSITY EXTENSION AND AMES PUBLIC LIBRARY, WILL EXPAND A SUCCESSFUL, MIXED-METHODS (ONLINE AND FACE-TO-FACE), LIBRARY-BASED FINANCIAL EDUCATION MODEL TO 18 UNDERSERVED RURAL COMMUNITIES ACROSS IOWA. THE ONLINE COURSES WILL EACH LAST SIX WEEKS AND WILL BE SEGMENTED ACCORDING TO THREE GENERATIONAL COHORTS: STARTING OUT (GENERATION X), BUILDING UP (TRAILING BABY BOOMERS) AND MAKING IT LAST (RETIREES). A CAPSTONE, FACE-TO-FACE EVENT IN EACH LOCATION WILL FOLLOW THE ONLINE LEARNING AND BRING THE LOCAL LIBRARIES INTO LASTING PARTNERSHIP WITH COMMUNITY ORGANIZATIONS. MAINE CENTERS FOR WOMEN, WORK & COMMUNITY, AUGUSTA, ME (01-6000769) MAINE CENTERS FOR WOMEN, WORK & COMMUNITY WILL ADD MODULES ON INVESTING AND RETIREMENT PLANNING TO THEIR BASIC MONEY MANAGEMENT CURRICULUM, INTEGRATE FINANCIAL PLANNING AND INVESTING SKILLS AS CORE COMPETENCIES IN THEIR WORKFORCE DEVELOPMENT PROGRAMS, AND CREATE MORE EFFECTIVE MARKETING AND PROMOTIONAL TOOLS TO SUPPORT THEIR WORK. MARTINSBURG-BERKELEY COUNTY PUBLIC LIBRARIES, MARTINSBURG, WV (55-0364258) THE MARTINSBURG-BERKELEY COUNTY PUBLIC LIBRARIES WILL PARTNER WITH THE BLUE RIDGE COMMUNITY AND TECHNICAL COLLEGE TO ESTABLISH A FOUR-PART FINANCIAL LITERACY PROGRAM SERVING COUNTY RESIDENTS UNDER THE THEME "FREE-WAY TO FINANCIAL INFORMATION." THE PROGRAM WILL INCLUDE A FAMILY FINANCIAL FAIR FEATURING SERVICES AVAILABLE IN THE EASTERN PANHANDLE OF WEST VIRGINIA, SPECIAL PROGRAMMING ON FINANCIAL BASICS FOR CHILDREN AND TEENS DELIVERED WITH ASSISTANCE FROM THE SHENANDOAH VALLEY DISCOVERY MUSEUM, FINANCIAL SEMINARS FOR ADULTS AND A "CASH CORRIDOR" ON THE LIBRARY SYSTEM'S WEBSITE WITH MULTIMEDIA PERSONAL FINANCE RESOURCES. MICHIGAN STATE UNIVERSITY COLLEGE OF LAW, EAST LANSING, MI (38-1358000) MICHIGAN STATE UNIVERSITY COLLEGE OF LAW WILL EXPAND ITS CLINICAL PROGRAM WITH AN INVESTOR ADVOCACY CLINIC. THE FIRST SUCH CLINIC IN MICHIGAN WILL SERVE SMALL INVESTORS IN NEED OF LEGAL ADVICE TO RESOLVE THEIR CLAIMS. THE CLINIC WILL ALSO DEVELOP AN INVESTOR EDUCATION PROGRAM TO BE DELIVERED THROUGH COMMUNITY ORGANIZATIONS SERVING STATE RESIDENTS. MONROE COUNTY PUBLIC LIBRARY, BLOOMINGTON, IN (35-1892355) THE MONROE COUNTY PUBLIC LIBRARY WILL TARGET TEENS AND 20-SOMETHINGS, INCLUDING SPANISH SPEAKERS, THROUGH 15 WORKSHOPS AND 15 "TALK-TO-AN-EXPERT" SESSIONS ON FIVE HIGH-PRIORITY TOPICS: BUDGETING, SAVING, SPENDING, MANAGING CREDIT AND DEBT, AND INVESTING. PROGRAMS WILL OCCUR AT THE LIBRARY AND VARIOUS COUNTY LOCATIONS, AND WILL BE PRODUCED WITH ASSISTANCE FROM PURDUE EXTENSION, IN PART TO LEVERAGE COMMUNITY-WIDE ATTENTION TO INDIANA SAVES AND MONEY SMART WEEK. MONTANA STATE UNIVERSITY EXTENSION, BOZEMAN, MT (81-6010045) MONTANA STATE UNIVERSITY EXTENSION WILL PROVIDE AN EDUCATION SERIES ON BASIC MONEY MANAGEMENT, INVESTMENTS, RETIREMENT PLANNING AND ESTATE PLANNING FOR EMPLOYEES OF MSU SATELLITE CAMPUSES AND OTHER WORKING MONTANANS. SESSIONS WILL BE OFFERED IN-PERSON IN BOZEMAN, AND AS LIVE WEBINARS TO RURAL HOST LOCATIONS AND INDIVIDUALS. SESSIONS WILL BE ARCHIVED ONLINE TO ACCOMMODATE VIEWING AT TIMES THAT ARE CONVENIENT FOR PARTICIPANTS UNABLE TO ATTEND THE LIVE WEBINARS. SANTA CLARA COUNTY LIBRARY, LOS GATOS, CA (80-0001382) THE SANTA CLARA COUNTY LIBRARY PROJECT WILL EMPHASIZE STAFF TRAINING ON FINANCIAL TOPICS AND RELATED REFERENCE RESOURCES. THIS TRAINING WILL BE LED BY FACULTY FROM NEARBY HIGHER EDUCATION INSTITUTIONS AND MADE AVAILABLE TO ALL LIBRARIANS WITHIN THE PACIFIC LIBRARY PARTNERSHIP, A CONSORTIUM OF FOUR REGIONAL LIBRARY SYSTEMS. IN ADDITION TO STAFF TRAINING, PATRON WORKSHOPS ON INVESTING LITERACY WILL BE OFFERED AT SANTA CLARA'S SEVEN LIBRARIES. THE PUBLIC WORKSHOPS WILL BE COMPLEMENTED BY A PERSONAL FINANCE PORTAL ADDED TO THE LIBRARY'S WEBSITE, OFFERING RELEVANT MATERIALS IN ENGLISH, SPANISH, MANDARIN AND VIETNAMESE. NATIONAL COUNCIL ON AGING (13-1932384) NEW CHOICES, NEW CHALLENGES: STRENGTHENING CONSUMER EDUCATION ON HOME EQUITY AS A RETIREMENT RESOURCE THE NATIONAL COUNCIL ON AGING AND ITS PARTNERS WILL CREATE, PROMOTE AND MAINTAIN AN ONLINE DECISION TOOL TO HELP OLDER HOMEOWNERS (AGES 55 AND OVER) UNDERSTAND OPTIONS AND RISKS FOR USING HOME EQUITY AS A RETIREMENT RESOURCE. NATIONAL LABOR COLLEGE, SILVER SPRING, MD (52-0895834) INVESTOR EDUCATION FOR WORKING FAMILIES THE NATIONAL LABOR COLLEGE IS PARTNERING WITH UNIONS FROM MULTIPLE INDUSTRY SECTORS, AS WELL AS APPRENTICESHIP PROGRAMS, TO PROVIDE ACCESS TO FACE-TO-FACE AND ONLINE INVESTOR EDUCATION TO UNION MEMBERS AND THEIR FAMILIES. NILES DISTRICT LIBRARY, NILES, MI (77-0597865) NILES DISTRICT LIBRARY WILL OFFER FINANCIAL LITERACY CLASSES BASED ON THE FDIC MONEY SMART CURRICULUM, FINANCIAL FITNESS SUPPORT GROUPS, AND A SERIES OF SHORT-TOPIC PRESENTATIONS FOR PATRONS SEEKING MORE NARROWLY DEFINED ASSISTANCE. THE TARGET AUDIENCE WILL BE LOW-INCOME INDIVIDUALS IN NILES AND SURROUNDING COMMUNITIES. FACULTY FROM NEARBY LAKE MICHIGAN COLLEGE WILL TEACH THE MONEY SMART CLASSES, WHICH WILL HELP PARTICIPANTS MAKE INFORMED FINANCIAL CHOICES, RESOLVE DEBT ISSUES, AND PLAN FOR THE FUTURE. THE FIRST CLASSES WILL BEGIN JUST AS THE VOLUNTEER INCOME TAX (VITA) SEASON IS CONCLUDING. FOR MANY IN THE TARGET AUDIENCE, MONEY RECEIVED FROM TAX RETURNS BRINGS A PERIOD OF FINANCIAL FLEXIBILITY THAT COINCIDES WITH AN IMPORTANT EDUCATIONAL OPPORTUNITY. EACH MONEY SMART SERIES WILL BE FOLLOWED BY FINANCIAL FITNESS SUPPORT GROUPS, CALLED "MONEY TALKS," WHICH WILL MEET REGULARLY AND PROVIDE GUIDANCE AND ENCOURAGEMENT AS PARTICIPANTS STRIVE TO ACHIEVE THEIR FINANCIAL GOALS.
NORTH CAROLINA STATE UNIVERSITY, RALEIGH, NC (56-6000756)		A WEB-BASED FRAUD RISK ASSESSMENT TOOL RESEARCHERS AT NC STATE AND GEORGE MASON UNIVERSITY ARE PARTNERING WITH A TECHNOLOGY FIRM TO CREATE A USER-FRIENDLY FRAUD DETECTION TOOL BASED ON COMPARISONS OF FINANCIAL AND NON-FINANCIAL DISCLOSURES IN SEC 10K FILINGS. THE TEAM USED A PREVIOUS FOUNDATION GRANT TO DESIGN AND VALIDATE A PROTOTYPE TOOL. THE SUCCESS OF THAT EFFORT FORMS THE BASIS FOR THE CURRENT PROJECT, WHICH WILL RATIONALIZE THE TOOL AND MAKE IT WIDELY AVAILABLE TO REGULATORS, AUDITORS AND INVESTORS. THE OHIO STATE UNIVERSITY RESEARCH FOUNDATION, COLUMBUS, OH (31-6401599) LEARNING BY DOING: EDUCATING FUTURE INVESTORS THROUGH IDA PROGRAMS RESEARCHERS ARE INVESTIGATING THE EFFECTIVENESS OF BEHAVIORAL FINANCE STRATEGIES IN IMPROVING SAVING AND RETENTION RATES IN INDIVIDUAL DEVELOPMENT ACCOUNT (IDA) PROGRAMS. THE PROJECT IS ALSO EXAMINING THE EXTENT TO WHICH IDA PROGRAM PARTICIPATION INFLUENCES THE USE OF NON-MAINSTREAM FINANCIAL SERVICES (E.G. PAY-DAY LENDING) AND IDENTIFYING IDA BEST PRACTICES. PARTNERS INCLUDE CARNEGIE MELLON UNIVERSITY, ASSETS OHIO (THE FOURTH LARGEST IDA PROGRAM PROVIDER IN THE U.S.), AND THE NEW STRATEGIES FOR STRONGER OUTCOMES INITIATIVE OF THE DEPARTMENT OF HEALTH AND HUMAN SERVICES. OPERATION HOPE, INC., LOS ANGELES, CA (95-4378084) BANKING ON OUR FUTURE, COLLEGE EDITION MOBILE APP OPERATION HOPE IS CREATING ONLINE AND MOBILE APPLICATION TOOLS DESIGNED TO DEVELOP HEALTHY ATTITUDES AND BEHAVIORS ABOUT MONEY AMONG COLLEGE STUDENTS, ESPECIALLY THOSE ATTENDING HISTORICALLY BLACK COLLEGES AND UNIVERSITIES. THE NEW APPLICATIONS WILL ADDRESS PERSONAL FINANCE BASICS, EXAMINE STUDENTS' FINANCIAL PERSONALITIES, AND HELP STUDENTS MAKE INFORMED DECISIONS ABOUT ACQUIRING STUDENT DEBT AND MANAGING IT AFTER GRADUATION. PELHAM PUBLIC LIBRARY, PELHAM, AL (26-4800985) THE UNIVERSITY OF ALABAMA, JEFFERSON STATE COMMUNITY COLLEGE AND THE ALABAMA COOPERATIVE EXTENSION CENTER WILL ASSIST PELHAM PUBLIC LIBRARY IN DELIVERING A FINANCIAL LITERACY INITIATIVE FOR YOUTH, ADULTS, SENIORS AND SPANISH-SPEAKING LIBRARY PATRONS. PEPPERDINE UNIVERSITY SCHOOL OF LAW, MALIBU, CA (95-1644037) THE STRAUS INSTITUTE FOR DISPUTE RESOLUTION AT PEPPERDINE UNIVERSITY LAW SCHOOL IS ONE OF THE WORLD'S LEADING EDUCATIONAL PROGRAMS IN THE FIELD OF DISPUTE RESOLUTION. A NEW INVESTOR ADVOCACY CLINIC WILL COMPLEMENT THE LAW SCHOOL'S EXTENSIVE PROGRAM BY PROVIDING STUDENTS WITH THE OPPORTUNITY TO REPRESENT UNDERSERVED INVESTORS IN THE LOS ANGELES AREA. PIONEER LIBRARY SYSTEM, NORMAN, OK (01-0946757) PIONEER LIBRARY SYSTEM WILL PARTNER WITH THE CONSUMER CREDIT COUNSELING SERVICE OF CENTRAL OKLAHOMA, CITIZEN POTTAWATOMI NATION, CHICKASAW NATION AND EMPLOYERS IN THE HOMETOWNS OF ITS 10 MEMBER LIBRARIES TO OFFER "FISCALLY FIT BOOT CAMPS" TO EMPLOYEES. RICHLAND COUNTY PUBLIC LIBRARY, COLUMBIA, SC (57-6000396) RICHLAND COUNTY PUBLIC LIBRARY WILL COMBINE TRADITIONAL EDUCATIONAL ACTIVITIES (WORKSHOPS, STORY TIMES AND OUTREACH PRESENTATIONS) WITH CREATIVE AND ENGAGING EXPERIENCES FOR FAMILIES. THE LIBRARY WILL PARTNER WITH LUNCH MONEY, A CHILDREN'S BAND THAT "BRINGS INDIE-ROCK TO FAMILY AUDIENCES," TO WRITE A CHILDREN'S SONG ABOUT MONEY, EARNING AND SAVING FOR THE FUTURE, AND TO SCHEDULE PERFORMANCES FOR YOUNG CHILDREN. THE LIBRARY WILL WORK WITH COLUMBIA COLLEGE AND LOCAL SCHOOLS TO ENGAGE TEENS IN CREATING PERFORMANCES AND GAMES THAT TEACH YOUNGER CHILDREN FINANCIAL BASICS. THE LIBRARY'S AFRICAN-AMERICAN HISTORY AND CULTURAL EVENTS COMMITTEE WILL WORK WITH PARTNER ORGANIZATIONS TO SPONSOR AND PROMOTE A SERIES OF FAMILY-FOCUSED FINANCIAL LITERACY EVENTS ON TOPICS RANGING FROM HOME OWNERSHIP AND SAVING FOR COLLEGE TO THE BASICS OF INVESTING. SANTA CRUZ COMMUNITY VENTURES, SANTA CRUZ, CA (77-0247648) SANTA CRUZ COMMUNITY VENTURES WILL COLLABORATE WITH A COALITION OF LOCAL PARTNERS TO EXPAND THE ECONOMIC JUSTICE PROJECT-A SOCIAL SERVICE MODEL INTEGRATING FINANCIAL AND CONSUMER EDUCATION WITH LEGAL AND OTHER SUPPORT SERVICES-TO HELP 2,000 LOW- TO MODERATE-INCOME HISPANIC ADULTS IMPROVE THEIR FINANCIAL AND ECONOMIC PROSPECTS. SEEKONK PUBLIC LIBRARY, SEEKONK, MA (22-2969879) SEEKONK PUBLIC LIBRARY AND ITS PARTNERS WILL ASSIST WOMEN AGES 25 AND OVER AS THEY MASTER FINANCIAL BASICS, CRAFT LONG-TERM FINANCIAL PLANS AND ACQUIRE THE SAVING AND INVESTING SKILLS TO PUT THESE PLANS INTO PRACTICE. INSTRUCTIONAL PROGRAMS WILL BE ORGANIZED AROUND THEMES AND WILL BE SUPPLEMENTED BY A SERIES OF NETWORKING EVENTS TO ADD A SOCIAL DIMENSION TO THE PROGRAM AND ALLOW PARTICIPANTS TO LEARN FROM EACH OTHER. GUEST SPEAKERS WILL ADDRESS FISCAL FITNESS FOR WOMEN. BUSINESS SCHOOL FACULTY FROM JOHNSON & WALES UNIVERSITY AND STAFF FROM MONEY MANAGEMENT INTERNATIONAL (A NONPROFIT CONSUMER CREDIT COUNSELING AGENCY) WILL LEAD THE SEMINARS. SETON HALL UNIVERSITY SCHOOL OF LAW, NEWARK, NJ (22-1500645) THE SETON HALL UNIVERSITY SCHOOL OF LAW WILL OPEN THE FIRST CLINIC TO OFFER LEGAL SERVICES TO UNDERSERVED INVESTORS IN NEW JERSEY. THE NEW CLINIC WILL STRENGTHEN THE LAW SCHOOL'S DYNAMIC ALTERNATIVE DISPUTE RESOLUTION PROGRAM AND ENHANCE THE FREE LEGAL SERVICES ALREADY OFFERED TO RESIDENTS OF THAT STATE. IN ADDITION, SETON HALL WILL REACH OUT TO COMMUNITY ORGANIZATIONS TO CONDUCT STUDENT-LED EDUCATIONAL SESSIONS TO HELP INVESTORS LEARN HOW TO AVOID BECOMING VICTIMS OF FRAUD. STEP UP SAVANNAH, SAVANNAH, GA (30-0526014) STEP UP SAVANNAH WILL BUILD ON A SUCCESSFUL PILOT EFFORT TO INTEGRATE FINANCIAL EDUCATION CLASSES AT EMPLOYER SITES FROM THE HOSPITALITY, HEALTHCARE, WAREHOUSING AND GOVERNMENT SECTORS, AND WILL DESIGN A NEW REFERRAL SYSTEM TO STEER INDIVIDUALS FROM EMPLOYER PROGRAMS TO NEIGHBORHOOD CENTERS FOR WORKING FAMILIES FOR MORE INDIVIDUALIZED ASSISTANCE. SUFFOLK UNIVERSITY LAW SCHOOL, BOSTON, MA (04-2133255) THE SUFFOLK UNIVERSITY LAW SCHOOL WILL EXPAND ITS NATIONALLY RECOGNIZED IN-HOUSE CLINICAL LEGAL EDUCATION PROGRAM TO INCLUDE A NEW INVESTOR ADVOCACY CLINIC. IN ADDITION TO PROVIDING LEGAL HELP TO UNDERSERVED INVESTORS, PARTICIPATING LAW STUDENTS WILL BE REQUIRED TO CONDUCT INVESTOR EDUCATION PROGRAMS AT LOCAL COMMUNITY CENTERS AND LIBRARIES.
UNITED NEGRO COLLEGE FUND (UNCF) SPECIAL PROGRAMS CORPORATION,	FAIRFAX, VA (54-1980487)	FAT POCKETS WEALTH-BUILDING PROGRAM UNCF SPECIAL PROGRAMS IS UNDERTAKING A KNOWLEDGE, ATTITUDES AND BEHAVIORS STUDY FOR THE PURPOSE OF INFORMING THE DESIGN OF A COMPREHENSIVE FINANCIAL EDUCATION PROGRAM FOR STUDENTS OF HISTORICALLY BLACK COLLEGES AND UNIVERSITIES (HBCUS). MORE THAN TWO DOZEN HBCUS ARE PARTICIPATING. THE EFFORT BEGINS WITH A REVIEW OF EXISTING RESEARCH AND INCLUDES SURVEYS, FOCUS GROUPS AND OTHER MARKET RESEARCH AMONG STUDENTS, FACULTY AND ALUMNI/AE. DELIVERABLES INCLUDE A DETAILED PROGRAMMATIC PLAN FOR MEETING THE FINANCIAL LITERACY NEEDS OF HBCU STUDENTS AGES 18 TO 24. UNITED WAY OF MIAMI DADE CENTER FOR FINANCIAL STABILITY, MIAMI, FL (59-0830840) THE UNITED WAY CENTER FOR FINANCIAL STABILITY WILL REACH OUT TO UNDER-EMPLOYED AND UN-EMPLOYED INDIVIDUALS AND FAMILIES IN MIAMI-DADE COUNTY THROUGH TWO SOUTH FLORIDA WORKFORCE OFFICES, TAX PREPARATION SITES AND LOCAL SCHOOLS. THE PROGRAM WILL PROVIDE CROSS-TRAINING FOR AGENCY VOLUNTEERS AND STAFF TO ENABLE THEM TO PROVIDE BASIC EDUCATION FOR THE FAMILIES THEY SERVE, AND THE ABILITY TO REFER CLIENTS TO THE CENTER FOR MORE COMPREHENSIVE COUNSELING AND COACHING. UNITED WAY FOR SOUTHEASTERN MICHIGAN, DETROIT, MI (20-3099071) THE UNITED WAY FOR SOUTHEASTERN MICHIGAN WILL COLLABORATE WITH THE DETROIT LOCAL INITIATIVES SUPPORT CORPORATION TO SUPPORT A NETWORK OF FINANCIAL COACHES WORKING IN LOW-INCOME COMMUNITIES IN AND AROUND DETROIT TO ASSIST INDIVIDUAL FAMILIES WITH UNDERSTANDING AND OVERCOMING THE BARRIERS TO BUILDING WEALTH. UNITED WAY OF ACADIANA, LAFAYETTE, LA (72-0513639) AS PART OF A COMMUNITYWIDE "EARN IT! KEEP IT! SAVE IT!" PROJECT, UNITED WAY OF ACADIANA WILL PARTNER WITH 26 MEMBERS OF THE ACADIANA ASSET-BUILDING COALITION TO PROVIDE WORKSHOPS USING THE FDIC MONEY SMART CURRICULUM TO HELP LOCAL INDIVIDUALS AND FAMILIES DEVELOP THE SKILLS THEY NEED TO BECOME FINANCIALLY SECURE. TO UNIFY THE COMMUNITY'S EFFORTS, UNITED WAY WILL CARRY OUT A SOCIAL MARKETING CAMPAIGN THAT USES TRADITIONAL PRINT MARKETING AS WELL AS RADIO PSAS AND SOCIAL MEDIA. UNITED WAY OF CENTRAL OHIO, COLUMBUS, OH (31-4393712) THE UNITED WAY OF CENTRAL OHIO WILL INCORPORATE THE DELIVERY OF TIMELY, RELEVANT AND ENGAGING FINANCIAL EDUCATION FOR LOW- TO MODERATE-INCOME FAMILIES THROUGH THE EXISTING CASE MANAGEMENT ACTIVITIES OF STABLE FAMILIES, A LOCAL PROGRAM OF THE SIEMER INSTITUTE FOR FAMILY STABILITY. STABLE FAMILIES IS A MULTI-STATE EFFORT TO PROVIDE FAMILIES WITH SCHOOL-AGED CHILDREN AT RISK OF LOSING THEIR HOUSING WITH CASE MANAGEMENT SERVICES THAT ENSURE THAT CHILDREN IN THESE HOUSEHOLDS REMAIN STABLE IN SCHOOL. UNITED WAY OF CHITTENDEN COUNTY, SOUTH BURLINGTON, VT (03-0217229) THE UNITED WAY OF CHITTENDEN COUNTY WILL LEAD A COALITION OF COMMUNITY PARTNERS IN DEVELOPING AND TESTING TWO ON-SITE WORKPLACE-BASED FINANCIAL AND INVESTOR EDUCATION PROGRAMS AT 18 SITES. THIS PROJECT BUILDS ON AN EXISTING RELATIONSHIP WITH EMPLOYERS THROUGH THE WORKING BRIDGES PROJECT, WHICH DEVELOPS AND PILOTS INNOVATIVE STRATEGIES TO IMPROVE THE RETENTION, PROMOTION AND FINANCIAL STABILITY OF THEIR EMPLOYEES. UNITED WAY OF FAIRFIELD COUNTY, LANCASTER, OH (31-0644804) UNITED WAY OF FAIRFIELD COUNTY WILL PROVIDE PERSONAL FINANCIAL EDUCATION FOR HIGH SCHOOL SENIORS IN TWO FAIRFIELD COUNTY ALTERNATIVE SCHOOLS AND FOR YOUNG ADULTS PARTICIPATING IN PROGRAMS AT THE EASTLAND-FAIRFIELD CAREER CENTER. THE PROJECT WILL SERVE LOW- TO MODERATE-INCOME YOUNG ADULTS WHO ARE ON TRACK TO ATTEND TECHNICAL SCHOOLS OR ENTER THE WORKFORCE FOLLOWING GRADUATION, AS WELL AS ADULT BASIC EDUCATION, GED AND ESOL STUDENTS. UNITED WAY OF GREATER CHATTANOOGA, CHATTANOOGA, TN (62-0565962) THE UNITED WAY OF GREATER CHATTANOOGA WILL PROVIDE FINANCIAL EDUCATION TRAINING FOR THE STAFF AND LEADERSHIP OF CHURCHES, NON-PROFIT AGENCIES AND COMMUNITY PARTNERS THAT PROVIDE FINANCIAL ASSISTANCE TO LOW AND MODERATE INCOME INDIVIDUALS AND FAMILIES, PROVIDE TRAINERS FOR "LUNCH AND LEARN" SESSIONS SPONSORED BY LOCAL NON-PROFIT AGENCIES AND THEIR CLIENTS, PROVIDE ONE-ON-ONE DEBT REDUCTION COUNSELING AND FINANCIAL COACHING FOR CLIENTS REFERRED BY PARTNER NON-PROFITS WHO HAVE RECEIVED TRAINING, AND UNDERTAKE MARKETING EFFORTS TO REACH OUTLYING RURAL COUNTIES AS WELL AS TARGETED URBAN NEIGHBORHOODS. UNITED WAY OF GREATER CINCINNATI, CINCINNATI, OH (31-0537502) THE UNITED WAY OF GREATER CINCINNATI WILL WORK WITHIN EXISTING PARTNERSHIPS AND SYSTEMS TO PROVIDE WORKPLACE FINANCIAL EDUCATION TRAINING FOR FRONT-LINE SERVICE PROVIDERS FROM LOCAL NON-PROFIT ORGANIZATIONS THAT PROVIDE EMPLOYMENT, HOUSING, FINANCIAL EDUCATION, WORKFORCE TRAINING, CHILD CARE AND EMERGENCY SERVICES. THEY WILL ALSO PARTNER WITH LIFESPAN CREDIT COUNSELING AND THE UNIVERSITY OF CINCINNATI'S ECONOMICS CENTER TO INCREASE THE CAPACITY OF LOCAL HUMAN SERVICES STAFF TO PROVIDE FINANCIAL EDUCATION SERVICES TO THEIR CLIENTS. UNITED WAY OF GREATER KANSAS CITY, KANSAS CITY, MO (44-0545812) THE UNITED WAY OF GREATER KANSAS CITY WILL COLLABORATE WITH FIVE SERVICE PROVIDERS TO DEVELOP A MODEL FOR INTEGRATING FINANCIAL EDUCATION INTO SERVICES FOR HOMELESS OR NEAR-HOMELESS YOUNG ADULTS, 16-24 YEARS OF AGE, WHO ARE EITHER EMPLOYED OR HAVE A STABLE SOURCE OF INCOME. ONE OUTCOME OF THE PROJECT WILL BE A REPORT ON LESSONS-LEARNED AND BEST PRACTICES THAT WILL BE SHARED WITH OTHER ORGANIZATIONS THAT SERVE AT-RISK YOUNG PEOPLE. UNITED WAY OF THE INLAND VALLEYS, RIVERSIDE, CA (95-1742174) AS A COMPONENT OF A COMMUNITYWIDE FOSTER YOUTH INITIATIVE, THE UNITED WAY OF THE INLAND VALLEYS WILL PROVIDE FINANCIAL EDUCATION AND BUDGETING SKILLS FOR FOSTER YOUTH, 16 TO 18 YEARS OF AGE, TO HELP THEM PREPARE FOR INDEPENDENT LIVING AND BECOME ECONOMICALLY SELF-SUFFICIENT ADULTS. UNITED WAY OF KING COUNTY, SEATTLE, WA (91-0565555) UNITED WAY OF KING COUNTY WILL INCREASE THE ECONOMIC STABILITY OF IMMIGRANTS AND REFUGEES BY INTEGRATING FINANCIAL EDUCATION AND COACHING INTO THE WORK OF SIX AGENCIES THAT PROVIDE ASSISTANCE TO SPECIFIC IMMIGRANT AND REFUGEE POPULATIONS. IN ADDITION, AGENCY STAFF MEMBERS WILL RECEIVE FINANCIAL EMPOWERMENT TRAINING AND CERTIFICATION IN ORDER TO BETTER INTEGRATE FINANCIAL EDUCATION INTO THEIR PROGRAM OFFERINGS. UNITED WAY OF LARIMER COUNTY, FT. COLLINS, CO (84-6031503) SPEARHEADED BY THE UNITED WAY OF LARIMER COUNTY AND THE COLORADO STATE UNIVERSITY-LARIMER COUNTY EXTENSION, THE LARIMER COUNTY FINANCIAL LITERACY INITIATIVE WILL CONDUCT A FINANCIAL EDUCATION CAPACITY-BUILDING PROGRAM FOR SOCIAL SERVICE AND TEACHING PROFESSIONALS. THIS COALITION OF COMMUNITY PARTNERS WILL ALSO CREATE A COMMUNITY-WIDE SOCIAL MARKETING CAMPAIGN WITH A COMPANION RESOURCE WEBSITE. UNITED WAY OF MARION COUNTY, OCALA, FL (59-0946642) THE UNITED WAY OF MARION COUNTY WILL CONDUCT A TWO-YEAR CAMPAIGN TO BREAK DOWN THE BARRIERS TO PARTICIPATION IN THE MARION COUNTY PROSPERITY CAMPAIGN BY SPANISH-SPEAKING RESIDENTS IN RURAL AREAS OF THE COUNTY. THE PROJECT WILL EMPHASIZE FREE TAX ASSISTANCE FOR LOW-INCOME SPANISH-SPEAKING CLIENTS AND WILL PROVIDE SPANISH-LANGUAGE MONEY SMART WORKSHOPS. THE PROJECT WILL BE SUPPORTED BY A COMPREHENSIVE SOCIAL MARKETING CAMPAIGN.
UNITED WAY OF THE RIVER CITIES, HUNTINGTON, WV (55-0384704)		UNITED WAY OF THE RIVER CITIES WILL PARTNER WITH LOCAL EMPLOYERS TO LAUNCH A WORKPLACE FINANCIAL EDUCATION PROGRAM TO PROVIDE FINANCIAL EDUCATION TRAINING FOR LOW- TO MIDDLE-INCOME EMPLOYEES AND TO EXPAND THE CAPACITY OF EMPLOYERS TO MAKE REFERRALS TO COMMUNITY-BASED NONPROFIT FINANCIAL AND SOCIAL SERVICES. UNITED WAY SILICON VALLEY, SAN JOSE, CA (94-1450153) UNITED WAY OF SILICON VALLEY WILL DEVELOP COMMUNITY PARTNERSHIP TO EXPAND THE NUMBER OF SUSTAINABLE, VOLUNTEER-DRIVEN CREDIT COACHING PROGRAMS THROUGHOUT SANTA CLARA COUNTY. DURING THE GRANT TERM, SEVEN TO 10 COMMUNITY ORGANIZATIONS THAT SERVE LOW- TO MODERATE-INCOME FAMILIES WILL INTEGRATE CREDIT COACHING INTO THEIR CORE SERVICES, AND MORE THAN 200 FAMILIES WILL RECEIVE COACHING ASSISTANCE. SIXTY COMMUNITY MEMBERS WILL BE TRAINED AS VOLUNTEER COACHES AND WILL BE MATCHED WITH CLIENTS. UNITED WAY OF TAMPA BAY, TAMPA, FL (59-3725701) THE UNITED WAY OF TAMPA BAY WILL ADDRESS THE PERVASIVE USE OF TAX REFUND ANTICIPATION LOANS IN TWO LOW-INCOME NEIGHBORHOODS IN THE TAMPA BAY AREA THROUGH A COMBINATION OF NEIGHBOR-TO-NEIGHBOR OUTREACH, CLASSROOM EDUCATION, INDIVIDUALIZED FINANCIAL COACHING AND A SOCIAL MARKETING CAMPAIGN. UNITED WAY OF WEST CENTRAL MISSISSIPPI; VICKSBURG, MS (64-0330259) UNITED WAY OF WEST CENTRAL MISSISSIPPI WILL PARTNER WITH LOCAL COMMUNITY GROUPS IN THE LOWER DELTA REGION TO DESIGN AND PROVIDE A SUSTAINABLE BASIC MONEY MANAGEMENT EDUCATION PROGRAM FOR LOW-INCOME CITIZENS. UNIVERSITY OF MIAMI SCHOOL OF LAW, CORAL GABLES, FL (59-0624458) THE UNIVERSITY OF MIAMI SCHOOL OF LAW WILL ADD AN INVESTOR ADVOCACY CLINIC TO ITS CLINICAL PROGRAM EXPANDING THE OPPORTUNITIES FOR STUDENTS TO SERVE INVESTORS RESIDING IN SOUTH FLORIDA. THE SCHOOL WILL ALSO BUILD ON ITS OUTSTANDING COMMUNITY OUTREACH PROGRAMS TO OFFER PUBLIC SEMINARS ON INVESTING AND RELATED ISSUES, INCLUDING DETECTING ABUSES AND POTENTIAL FRAUDULENT INVESTMENTS. UNIVERSITY OF TENNESSEE, KNOXVILLE, TN (62-6001636) LOVE YOUR MONEY THE UNIVERSITY OF TENNESSEE AND ITS PARTNERS ARE ENHANCING THE LOVE YOUR MONEY FINANCIAL EDUCATION PROGRAM FOR COLLEGE STUDENTS (WWW.LOVEYOURMONEY.ORG) TO ALLOW INSTRUCTORS TO MONITOR AND ASSESS INDIVIDUAL STUDENT PROGRESS, THUS MAKING THE TOOL MORE SUITABLE AS A COURSE ASSIGNMENT. THE PROJECT TEAM IS ALSO UNDERTAKING MARKETING ACTIVITIES THAT ENGAGE FACULTY MEMBERS AND OTHERS RESPONSIBLE FOR SHAPING STUDENT LEARNING AND COLLEGE LIFE EXPERIENCES, EXPANDING THE NUMBER OF CAMPUSES USING LOVE YOUR MONEY, AND CONTINUING TO EVALUATE THE PROGRAM TO DETERMINE ITS LONGER-TERM EFFECTIVENESS IN PROMOTING POSITIVE FINANCIAL BEHAVIOR AS UNDERCLASSMEN PROGRESS THROUGH SUBSEQUENT COLLEGE YEARS. WOMEN'S INSTITUTE FOR A SECURE RETIREMENT, WASHINGTON, DC (52-1997317) IN PARTNERSHIP WITH THE AMERICAN NURSES ASSOCIATION (ANA), WISER IS CREATING AN INVESTOR EDUCATION PROGRAM FOR NURSES. THE PROJECT BEGAN WITH A SURVEY OF NURSES TO IDENTIFY IMPORTANT ISSUES, AND INCLUDES A NURSE INVESTOR EDUCATION REPORT WITH BENCHMARKING TO THE NATIONAL NURSE WORKFORCE. WISER AND ANA ARE TAILORING EXISTING INVESTOR EDUCATION MATERIALS AND CONDUCTING FINANCIAL EDUCATION SEMINARS FOR THE TARGET AUDIENCE. YORK COUNTY LIBRARY SYSTEM, YORK, PA (23-7394108) YORK COUNTY LIBRARY SYSTEM WILL PARTNER WITH 17 HIGH SCHOOLS AND SEVEN URBAN ELEMENTARY SCHOOLS TO IMPROVE THE FINANCIAL LITERACY AND CAPABILITY OF STUDENTS AND PARENTS BY CONNECTING THEM WITH THE PERSONAL FINANCE RESOURCES AVAILABLE THROUGH COUNTY LIBRARIES. THE PROJECT WILL SEEK TO TEACH YORK COUNTY HIGH SCHOOL JUNIORS AND SENIORS HOW TO BUILD A FINANCIAL PLAN FOR POST-HIGH SCHOOL SUCCESS, AND WILL EQUIP PARENTS OF HIGH SCHOOL JUNIORS AND SENIORS WITH FINANCIAL LITERACY TOOLS TO GUIDE THEIR TEENAGERS' FINANCIAL PLANNING. YOUNGER CHILDREN WILL LEARN ABOUT SPENDING, SAVING AND BORROWING, AND THEIR PARENTS WILL LEARN FINANCIAL LITERACY TOOLS TO REINFORCE THEIR OWN FINANCIAL KNOWLEDGE AND HELP THEM POSITIVELY INFLUENCE THEIR CHILDREN'S FUTURE MONEY MANAGEMENT SKILLS.
OTHER CHANGES IN NET ASSETS OR FUND BALANCES	FORM 990, SCHEDULE XI, LINE 9	OTHER CHANGES IN NET ASSETS OR FUND BALANCES PRIMARILY RELATE TO CONTRIBUTED SERVICES, INVESTMENT EXPENSES AND THE REVERSAL OF GRANT EXPENSES RELATING TO PRIOR PERIODS.
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.
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). APPROVAL OF GRANT PROPOSALS AND REQUESTS FOR FUNDING IN AN AMOUNT EQUAL TO OR GREATER THAN ONE HUNDRED THOUSAND DOLLARS ($100,000) BUT LESS THAN TWO HUNDRED FIFTY THOUSAND DOLLARS ($250,000) MAY BE APPROVED BY A SUB-SET OF MEMBERS OF THE BOARD OF DIRECTORS CONSISTING OF A MAJORITY OF THE NON-PUBLIC DIRECTORS AND A MAJORITY OF THE PUBLIC DIRECTORS, PROVIDED THAT THE FULL BOARD OF DIRECTORS MAY, AT ITS ELECTION, REVIEW ANY FUNDING REQUESTS. ALL REQUESTS EQUAL TO OR GREATER THAN TWO HUNDRED FIFTY THOUSAND DOLLARS ($250,000) ARE APPROVED BY THE BOARD OF DIRECTORS.
COMPENSATION OF THE FIVE HIGHEST PAID INDEPENDENT CONTRACTORS	FORM 990, PART VII	GMMB, INC. - PROVIDES PUBLIC RELATIONS AND EARNED MEDIA ASSISTANCE FOR PROJECT OUTREACH. CHANNEL ONE LLC - PROVIDES BROADCAST, PRINT, MARKETING AND WEB SERVICES AND MATERIALS IN SUPPORT OF THE TEEN FINANCIAL LITERACY INITIATIVE (KNOWN AS "GENERATION MONEY") ACTIVE IN MIDDLE AND HIGH SCHOOLS NATIONWIDE. FAIR ISAAC CORPORATION - OPERATES THE MYFICO CREDIT REPORT AND ANALYSIS TOOL AVAILABLE THROUGH THE MILITARY FINANCIAL READINESS PROJECT. BBB INSTITUTE FOR MARKETPLACE TRUST - PROVIDES NATIONAL AND COMMUNITY-LEVEL OUTREACH SUPPORT FOR THE INVESTOR PROTECTION CAMPAIGN AND MILITARY FINANCIAL READINESS PROJECT. APPLIED RESEARCH AND CONSULTING - PROVIDES RESEARCH SERVICES FOR THE NATIONAL CAPABILITY STUDY AND OTHER TARGETED PROJECTS.

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

Cat. No. 51056K

Schedule O (Form 990 or 990-EZ) 2012

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

2012

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" to Form 990, Part IV, line 33.)

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

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

Cat. No. 50135Y

Schedule R (Form 990) 2012

Page 2

Part III

Identification of Related Organizations Taxable as a Partnership (Complete if the organization answered "Yes" to 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" to 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	(i) Section 512(b)(13) controlled entity?
(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	Yes	No
(1) NEW NASD HOLDING INC 1735 K STREET NW WASHINGTON,DC200061506 52-2307595	HOLDING CO	DE	FINRA	C-CORP			Yes

Schedule R (Form 990) 2012

Page 3

Part V

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

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

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 or (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 Dividends from related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

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

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

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

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

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

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

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

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

Yes

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

Yes

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

Yes

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

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

s 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-s)	(c) Amount involved	(d) Method of determining amount involved

Schedule R (Form 990) 2012

Page 4

Part VI

Unrelated Organizations Taxable as a Partnership (Complete if the organization answered "Yes" to 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) 2012

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) .........	1,500,000	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 ) ....	885,831	1,188,150
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)...................	2,385,831	2,688,150
13	Grants and similar amounts paid (Part IX, column (A), lines 1–3 )...	5,105,343	4,460,239
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–24e)....	7,407,549	8,117,259
18	Total expenses. Add lines 13–17 (must equal Part IX, column (A), line 25)	12,512,892	12,577,498
19	Revenue less expenses. Subtract line 18 from line 12.......	-10,127,061	-9,889,348
		Beginning of Current Year	End of Year
20	Total assets (Part X, line 16).............	51,238,393	42,523,804
21	Total liabilities (Part X, line 26).............	542,644	658,427
22	Net assets or fund balances. Subtract line 21 from line 20.....	50,695,749	41,865,377

Sign Here

	Signature of officer	Date

	Type or print name and title


4a	(Code: ) (Expenses $ 4,460,239 including grants of $ 4,460,239 ) (Revenue $ )
	GRANT PROGRAM - SEE SCHEDULE O

4b	(Code: ) (Expenses $ 4,228,412 including grants of $ ) (Revenue $ )
	INVESTOR PROTECTION CAMPAIGN - SEE SCHEDULE O

4c	(Code: ) (Expenses $ 2,136,743 including grants of $ ) (Revenue $ )
	MILITARY FINANCIAL READINESS PROJECT - SEE SCHEDULE O

4d	Other program services (Describe in Schedule O.)
	(Expenses $ 1,479,558 including grants of $ ) (Revenue $ )
4e	Total program service expenses12,304,952

(A) Name and Title	(B) Average hours per week (list any hours for related organizations below dotted line)	(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 .......................59.0	X		0	2,555,454	74,252
(2) JANE W BARNARD........................................................................ BOARD MEMBER	1.0 .......................	X		0	0	0
(3) JOHN T DOOLEY........................................................................ BOARD MEMBER	1.0 .......................	X		0	0	0
(4) IDALIA P FERNANDEZ........................................................................ BOARD MEMBER	1.0 .......................	X		0	0	0
(5) SHARON P SMITH........................................................................ BOARD MEMBER	1.0 .......................	X		0	0	0
(6) G DONALD STEEL........................................................................ BOARD MEMBER	1.0 .......................	X		0	0	0
(7) GERALDINE M WALSH........................................................................ PRESIDENT	48.0 .......................12.0		X	0	439,637	51,452
(8) EILEEN M FAMIGLIETTI........................................................................ TREASURER	5.0 .......................55.0		X	0	375,093	68,626
(9) MARCIA E ASQUITH........................................................................ SECRETARY	3.0 .......................57.0		X	0	500,175	88,972

1b	Sub-Total................
c	Total from continuation sheets to Part VII, Section A....
d	Total (add lines 1b and 1c)............	0	3,870,359	283,302

				(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).......			764,536			764,536
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)	0	0
d	Net rental income or (loss).......			0
		(i) Securities	(ii) Other
7a	Gross amount from sales of assets other than inventory	5,046,000
b	Less: cost or other basis and sales expenses	4,622,386
c	Gain or (loss)	423,614
d	Net gain or (loss)..........			423,614			423,614
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......			2,688,150		0	1,188,150


			(A) Beginning of year		(B) End of year
1	Cashnon-interest-bearing .............		1,620,610	1	817,478
2	Savings and temporary cash investments .........		26,033,196	2	17,463,679
3	Pledges and grants receivable, net ...........		0	3	0
4	Accounts receivable, net .............		57,157	4	61,452
5	Loans and other receivables from current and former officers, directors, trustees, key employees, and highest compensated employees. Complete Part II of Schedule L ..................
			0	5	0
6	Loans and other receivables from other disqualified persons (as defined under section 4958(f)(1)), persons described in section 4958(c)(3)(B), and contributing employers and sponsoring organizations of section 501(c)(9) voluntary employees' beneficiary organizations (see instructions) 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 ..........		68,920	9	165,087
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 ..........		23,458,022	11	24,016,108
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 ...........		488	15	0
16	Total assets. Add lines 1 through 15 (must equal line 34)......		51,238,393	16	42,523,804
17	Accounts payable and accrued expenses .........		333,050	17	549,227
18	Grants payable .................		49,594	18	108,699
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	Loans and other 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....................		160,000	25	501
26	Total liabilities. Add lines 17 through 25.........		542,644	26	658,427
	Organizations that follow SFAS 117 (ASC 958), check here and complete lines 27 through 29, and lines 33 and 34.
27	Unrestricted net assets ..............		50,695,749	27	41,865,377
28	Temporarily restricted net assets ...........		0	28	0
29	Permanently restricted net assets ...........		0	29	0
	Organizations that do not follow SFAS 117 (ASC 958), 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 ...........		50,695,749	33	41,865,377
34	Total liabilities and net assets/fund balances ........		51,238,393	34	42,523,804