Form990
Click to see attachment
Department of the TreasuryInternal Revenue Service
Return of Organization Exempt From Income Tax
Under section 501(c), 527, or 4947(a)(1) of the Internal Revenue Code (except private
foundations)
MediumBullet Do not enter social security numbers on this form as it may be made public.
MediumBullet Information about Form 990 and its instructions is at www.IRS.gov/form990.
OMB No. 1545-0047
2015
Open to Public Inspection
A For the 2015 calendar year, or tax year beginning 01-01-2015 , and ending 12-31-2015
BCheck if applicable:
CName of organization
FINRA INVESTOR EDUCATION FOUNDATION
 
% JENNIFER P MITCHELL
Doing business as
 
 
Number and street (or P.O. box if mail is not delivered to street address)
1735 K STREET NW
 
Room/suite
City or town, state or province, country, and ZIP or foreign postal code
WASHINGTON, DC200061506
D Employer identification number

20-0863779
E Telephone number

G Gross receipts $ 81,300,400
F Name and address of principal officer:
GERALDINE M WALSH
1735 K STREET NW
WASHINGTON,DC200061506
I
Tax-exempt status: ( 4 ) LeftBullet (insert no.) or
J
Website:MediumBullet
WWW.FINRAFOUNDATION.ORG
H(a)
Is this a group return for
subordinates?
H(b)
Are all subordinates
included?
If "No," attach a list. (see instructions)
H(c)
Group exemption number MediumBullet  
K Form of organization:  
L Year of formation: 2004
M State of legal domicile: DE
Part I
Summary
Activities & Governance 1 Briefly describe the organization’s mission or most significant activities: THE MISSION IS TO PROVIDE UNDERSERVED AMERICANS WITH THE KNOWLEDGE, SKILLS AND TOOLS NECESSARY FOR FINANCIAL SUCCESS THROUGHOUT LIFE.
2 Check this box MediumBullet
3 Number of voting members of the governing body (Part VI, line 1a) ........ 3 7
4 Number of independent voting members of the governing body (Part VI, line 1b) ..... 4 6
5 Total number of individuals employed in calendar year 2015 (Part V, line 2a) ...... 5 0
6 Total number of volunteers (estimate if necessary) ............. 6 6
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  
Revenues Prior Year Current Year
8 Contributions and grants (Part VIII, line 1h) ......... 1,750,923 50,760,645
9 Program service revenue (Part VIII, line 2g) ......... 0 0
10 Investment income (Part VIII, column (A), lines 3, 4, and 7d ) .... 1,071,632 4,560,247
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) 2,822,555 55,320,892
Expenses; 13 Grants and similar amounts paid (Part IX, column (A), lines 1–3 )... 3,234,757 3,100,430
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) MediumBullet0    
17 Other expenses (Part IX, column (A), lines 11a–11d, 11f–24e).... 7,245,399 5,632,704
18 Total expenses. Add lines 13–17 (must equal Part IX, column (A), line 25) 10,480,156 8,733,134
19 Revenue less expenses. Subtract line 18 from line 12....... -7,657,601 46,587,758
Net Assets or Fund Balances; Beginning of Current Year End of Year
20 Total assets (Part X, line 16)............. 32,365,620 74,291,756
21 Total liabilities (Part X, line 26)............. 1,055,785 253,337
22 Net assets or fund balances. Subtract line 21 from line 20..... 31,309,835 74,038,419
Part II
Signature Block
Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct, and complete. Declaration of preparer (other than officer) is based on all information of which preparer has any knowledge.
Sign Here
JumboBullet
Signature of officer Date
JumboBullet
Type or print name and title
Paid Preparer Use Only
Print/Type preparer's name
Preparer's signature
Date
PTIN
Firm's name MediumBullet
Firm's EIN MediumBullet
Firm's address MediumBullet



Phone no.
May the IRS discuss this return with the preparer shown above? (see instructions) ..........
For Paperwork Reduction Act Notice, see the separate instructions.
Cat. No. 11282Y Form 990 (2015)
Form 990 (2015)
Page 2
Part III
Statement of Program Service Accomplishments
Check if Schedule O contains a response or note to any line in this Part III ..............
1
Briefly describe the organization’s mission: THE MISSION IS TO PROVIDE UNDERSERVED AMERICANS WITH THE KNOWLEDGE, SKILLS AND TOOLS NECESSARY FOR FINANCIAL SUCCESS THROUGHOUT LIFE.
2
Did the organization undertake any significant program services during the year which were not listed on
the prior Form 990 or 990-EZ? .....................
If "Yes," describe these new services on Schedule O.
3
Did the organization cease conducting, or make significant changes in how it conducts, any program
services? ...........................
If "Yes," describe these changes on Schedule O.
4
Describe the organization’s program service accomplishments for each of its three largest program services, as measured by expenses. Section 501(c)(3) and 501(c)(4) organizations are required to report the amount of grants and allocations to others, the total expenses, and revenue, if any, for each program service reported.
4a (Code:   ) (Expenses $ 4,146,806 including grants of $ 2,911,095 ) (Revenue $   )
EXPAND GRASSROOTS CAPACITY FOR FINANCIAL EDUCATION - SEE SCHEDULE O
4b (Code:   ) (Expenses $ 2,518,696 including grants of $ 50,000 ) (Revenue $   )
PROTECT CONSUMERS FROM FINANCIAL FRAUD - SEE SCHEDULE O
4c (Code:   ) (Expenses $ 1,330,289 including grants of $   ) (Revenue $   )
ENSURE MILITARY FINANCIAL READINESS - SEE SCHEDULE O
4d Other program services (Describe in Schedule O.)
(Expenses $ 416,010 including grants of $ 139,335 ) (Revenue $   )
4e Total program service expensesMediumBullet8,411,801
Form 990 (2015)
Form 990 (2015)
Page 3
Part IV
Checklist of Required Schedules
Yes
No
1
Is the organization described in section 501(c)(3) or 4947(a)(1) (other than a private foundation)? If "Yes," complete Schedule A.....................
1
 
No
2
Is the organization required to complete Schedule B, Schedule of Contributors (see instructions)? Click to see attachment...
2
Yes
 
3
Did the organization engage in direct or indirect political campaign activities on behalf of or in opposition to candidates for public office? If "Yes," complete Schedule C, Part I.............
3
 
No
4
Section 501(c)(3) organizations. Did the organization engage in lobbying activities, or have a section 501(h) election in effect during the tax year? If "Yes," complete Schedule C, Part II..............
4
 
 
5
Is the organization a section 501(c)(4), 501(c)(5), or 501(c)(6) organization that receives membership dues, assessments, or similar amounts as defined in Revenue Procedure 98-19? If "Yes," complete Schedule C, Part III.................
5
 
No
6
Did the organization maintain any donor advised funds or any similar funds or accounts for which donors have the right to provide advice on the distribution or investment of amounts in such funds or accounts? If "Yes," complete Schedule D, Part IClick to see attachment..................
6
 
No
7
Did the organization receive or hold a conservation easement, including easements to preserve open space,
the environment, historic land areas, or historic structures? If "Yes," complete Schedule D, Part IIClick to see attachment...
7
 
No
8
Did the organization maintain collections of works of art, historical treasures, or other similar assets? If "Yes," complete Schedule D, Part III Click to see attachment.............
8
 
No
9
Did the organization report an amount in Part X, line 21 for escrow or custodial account liability; serve as a custodian for amounts not listed in Part X; or provide credit counseling, debt management, credit repair, or debt negotiation services? If "Yes," complete Schedule D, Part IVClick to see attachment..............
9
 
No
10
Did the organization, directly or through a related organization, hold assets in temporarily restricted endowments, permanent endowments, or quasi-endowments? If "Yes," complete Schedule D, Part VClick to see attachment......
10
 
No
11
If the organization’s answer to any of the following questions is "Yes," then complete Schedule D, Parts VI, VII, VIII, IX, or X as applicable.
a
Did the organization report an amount for land, buildings, and equipment in Part X, line 10?
If "Yes," complete Schedule D, Part VI.Click to see attachment...................
11a
 
No
b
Did the organization report an amount for investments—other securities in Part X, line 12 that is 5% or more of its total assets reported in Part X, line 16? If "Yes," complete Schedule D, Part VIIClick to see attachment.......
11b
Yes
 
c
Did the organization report an amount for investments—program related in Part X, line 13 that is 5% or more of its total assets reported in Part X, line 16? If "Yes," complete Schedule D, Part VIIIClick to see attachment.......
11c
 
No
d
Did the organization report an amount for other assets in Part X, line 15 that is 5% or more of its total assets reported in Part X, line 16? If "Yes," complete Schedule D, Part IXClick to see attachment............
11d
 
No
e
Did the organization report an amount for other liabilities in Part X, line 25? If "Yes," complete Schedule D, Part XClick to see attachment
11e
Yes
 
f
Did the organization’s separate or consolidated financial statements for the tax year include a footnote that addresses the organization’s liability for uncertain tax positions under FIN 48 (ASC 740)? If "Yes," complete Schedule D, Part XClick to see attachment
11f
Yes
 
12a
Did the organization obtain separate, independent audited financial statements for the tax year?
If "Yes," complete Schedule D, Parts XI and XII Click to see attachment.................
12a
Yes
 
b
Was the organization included in consolidated, independent audited financial statements for the tax year? If "Yes," and if the organization answered "No" to line 12a, then completing Schedule D, Parts XI and XII is optional Click to see attachment
12b
Yes
 
13
Is the organization a school described in section 170(b)(1)(A)(ii)? If "Yes," complete Schedule E
13
 
No
14a
Did the organization maintain an office, employees, or agents outside of the United States? .....
14a
 
No
b
Did the organization have aggregate revenues or expenses of more than $10,000 from grantmaking, fundraising, business, investment, and program service activities outside the United States, or aggregate foreign investments valued at $100,000 or more? If "Yes," complete Schedule F, Parts I and IV.........
14b
 
No
15
Did the organization report on Part IX, column (A), line 3, more than $5,000 of grants or other assistance to or for any foreign organization? If “Yes,” complete Schedule F, Parts II and IV.....
15
 
No
16
Did the organization report on Part IX, column (A), line 3, more than $5,000 of aggregate grants or other assistance to or for foreign individuals? If “Yes,” complete Schedule F, Parts III and IV...
16
 
No
17
Did the organization report a total of more than $15,000 of expenses for professional fundraising services on Part IX, column (A), lines 6 and 11e? If "Yes," complete Schedule G, Part I (see instructions) ....
17
 
No
18
Did the organization report more than $15,000 total of fundraising event gross income and contributions on Part VIII, lines 1c and 8a? If "Yes," complete Schedule G, Part II............
18
 
No
19
Did the organization report more than $15,000 of gross income from gaming activities on Part VIII, line 9a? If "Yes," complete Schedule G, Part III...................
19
 
No
20a
Did the organization operate one or more hospital facilities? If "Yes," complete Schedule H....
20a
 
No
b
If "Yes" to line 20a, did the organization attach a copy of its audited financial statements to this return?
20b
 
 
Form 990 (2015)
Form 990 (2015)
Page 4
Part IV
Checklist of Required Schedules (continued)
21
Did the organization report more than $5,000 of grants or other assistance to any domestic organization or domestic government on Part IX, column (A), line 1? If “Yes,” complete Schedule I, Parts I and II.....Click to see attachment
21
Yes
 
22
Did the organization report more than $5,000 of grants or other assistance to or for domestic individuals on Part IX, column (A), line 2? If “Yes,” complete Schedule I, Parts I and III........Click to see attachment
22
 
No
23
Did the organization answer "Yes" to Part VII, Section A, line 3, 4, or 5 about compensation of the organization’s current and former officers, directors, trustees, key employees, and highest compensated employees? If "Yes," complete Schedule J....................... Click to see attachment
23
Yes
 
24a
Did the organization have a tax-exempt bond issue with an outstanding principal amount of more than $100,000 as of the last day of the year, that was issued after December 31, 2002? If “Yes,” answer lines 24b through 24d and complete Schedule K. If “No,” go to line 25a...............
24a
 
No
b
Did the organization invest any proceeds of tax-exempt bonds beyond a temporary period exception?...
24b
 
 
c
Did the organization maintain an escrow account other than a refunding escrow at any time during the year
to defease any tax-exempt bonds? ...............
24c
 
 
d
Did the organization act as an "on behalf of" issuer for bonds outstanding at any time during the year?...
24d
 
 
25a
Section 501(c)(3), 501(c)(4), and 501(c)(29) organizations. Did the organization engage in an excess benefit transaction with a disqualified person during the year? If "Yes," complete Schedule L, Part I............
25a
 
No
b
Is the organization aware that it engaged in an excess benefit transaction with a disqualified person in a prior year, and that the transaction has not been reported on any of the organization’s prior Forms 990 or 990-EZ? If "Yes," complete Schedule L, Part I ...................
25b
 
No
26
Did the organization report any amount on Part X, line 5, 6, or 22 for receivables from or payables to any current or former officers, directors, trustees, key employees, highest compensated employees, or disqualified persons? If "Yes," complete Schedule L, Part II ................
26
 
No
27
Did the organization provide a grant or other assistance to an officer, director, trustee, key employee, substantial contributor or employee thereof, a grant selection committee member, or to a 35% controlled entity or family member of any of these persons? If "Yes," complete Schedule L, Part III.........
27
 
No
28
Was the organization a party to a business transaction with one of the following parties (see Schedule L, Part IV instructions for applicable filing thresholds, conditions, and exceptions):
a
A current or former officer, director, trustee, or key employee? If "Yes," complete Schedule L,
Part IV ........................
28a
 
No
b
A family member of a current or former officer, director, trustee, or key employee? If "Yes," complete Schedule L, Part IV.....................
28b
 
No
c
An entity of which a current or former officer, director, trustee, or key employee (or a family member thereof) was an officer, director, trustee, or direct or indirect owner? If "Yes," complete Schedule L, Part IV...
28c
 
No
29
Did the organization receive more than $25,000 in non-cash contributions? If "Yes," complete Schedule M..Click to see attachment
29
Yes
 
30
Did the organization receive contributions of art, historical treasures, or other similar assets, or qualified conservation contributions? If "Yes," complete Schedule M .............Click to see attachment
30
 
No
31
Did the organization liquidate, terminate, or dissolve and cease operations? If "Yes," complete Schedule N, Part I.
31
 
No
32
Did the organization sell, exchange, dispose of, or transfer more than 25% of its net assets? If "Yes," complete Schedule N, Part II ...........
32
 
No
33
Did the organization own 100% of an entity disregarded as separate from the organization under Regulations sections 301.7701-2 and 301.7701-3? If "Yes," complete Schedule R, Part I ........Click to see attachment
33
 
No
34
Was the organization related to any tax-exempt or taxable entity? If "Yes," complete Schedule R, Part II, III, or IV, and Part V, line 1.........................Click to see attachment
34
Yes
 
35a
Did the organization have a controlled entity within the meaning of section 512(b)(13)?
35a
 
No
b
If ‘Yes’ to line 35a, did the organization receive any payment from or engage in any transaction with a controlled entity within the meaning of section 512(b)(13)? If "Yes," complete Schedule R, Part V, line 2 ...
35b
 
 
36
Section 501(c)(3) organizations. Did the organization make any transfers to an exempt non-charitable related organization? If "Yes," complete Schedule R, Part V, line 2.............
36
 
 
37
Did the organization conduct more than 5% of its activities through an entity that is not a related organization and that is treated as a partnership for federal income tax purposes? If "Yes," complete Schedule R, Part VIClick to see attachment
37
 
No
38
Did the organization complete Schedule O and provide explanations in Schedule O for Part VI, lines 11b and 19? Note. All Form 990 filers are required to complete Schedule O. ............
38
Yes
 
Form 990 (2015)
Form 990 (2015)
Page 5
Part V
Statements Regarding Other IRS Filings and Tax Compliance
Check if Schedule O contains a response or note to any line in this Part V...........
Yes
No
1a
Enter the number reported in Box 3 of Form 1096 Enter -0- if not applicable ..
1a
7
b
Enter the number of Forms W-2G included in line 1a. Enter -0- if not applicable .
1b
0
c
Did the organization comply with backup withholding rules for reportable payments to vendors and reportable gaming (gambling) winnings to prize winners? ..................
1c
Yes
 
2a
Enter the number of employees reported on Form W-3, Transmittal of Wage and
Tax Statements, filed for the calendar year ending with or within the year covered by this return ..................
2a
0
b
If at least one is reported on line 2a, did the organization file all required federal employment tax returns?
Note. If the sum of lines 1a and 2a is greater than 250, you may be required to e-file (see instructions)
2b
 
 
3a
Did the organization have unrelated business gross income of $1,000 or more during the year?...
3a
 
No
b
If “Yes,” has it filed a Form 990-T for this year? If “No” to line 3b, provide an explanation in Schedule O...
3b
 
 
4a
At any time during the calendar year, did the organization have an interest in, or a signature or other authority over, a financial account in a foreign country (such as a bank account, securities account, or other financial account)? ..
4a
 
No
b
If "Yes," enter the name of the foreign country: MediumBullet
See instructions for filing requirements for FinCEN Form 114, Report of Foreign Bank and Financial Accounts (FBAR).
5a
Was the organization a party to a prohibited tax shelter transaction at any time during the tax year? ..
5a
 
No
b
Did any taxable party notify the organization that it was or is a party to a prohibited tax shelter transaction?
5b
 
No
c
If "Yes," to line 5a or 5b, did the organization file Form 8886-T? ............
5c
 
 
6a
Does the organization have annual gross receipts that are normally greater than $100,000, and did the organization solicit any contributions that were not tax deductible as charitable contributions? ...
6a
 
No
b
If "Yes," did the organization include with every solicitation an express statement that such contributions or gifts were not tax deductible? ......................
6b
 
 
7
Organizations that may receive deductible contributions under section 170(c).
a
Did the organization receive a payment in excess of $75 made partly as a contribution and partly for goods and services provided to the payor? ....................
7a
 
No
b
If "Yes," did the organization notify the donor of the value of the goods or services provided? .....
7b
 
 
c
Did the organization sell, exchange, or otherwise dispose of tangible personal property for which it was required to file Form 8282? .........................
7c
 
No
d
If "Yes," indicate the number of Forms 8282 filed during the year ....
7d
 
e
Did the organization receive any funds, directly or indirectly, to pay premiums on a personal benefit contract?
7e
 
No
f
Did the organization, during the year, pay premiums, directly or indirectly, on a personal benefit contract? ..
7f
 
No
g
If the organization received a contribution of qualified intellectual property, did the organization file Form 8899 as required? ......................
7g
 
 
h
If the organization received a contribution of cars, boats, airplanes, or other vehicles, did the organization file a Form 1098-C? ..........................
7h
 
 
8
Sponsoring organizations maintaining donor advised funds.
Did a donor advised fund maintained by the sponsoring organization have excess business holdings at any time during the year? .........................
8
 
 
9a
Did the sponsoring organization make any taxable distributions under section 4966?...
9a
 
 
b
Did the sponsoring organization make a distribution to a donor, donor advisor, or related person?...
9b
 
 
10
Section 501(c)(7) organizations. Enter:
a
Initiation fees and capital contributions included on Part VIII, line 12 ...
10a
 
b
Gross receipts, included on Form 990, Part VIII, line 12, for public use of club facilities
10b
 
11
Section 501(c)(12) organizations. Enter:
a
Gross income from members or shareholders .........
11a
 
b
Gross income from other sources (Do not net amounts due or paid to other sources against amounts due or received from them.) ..........
11b
 
12a
Section 4947(a)(1) non-exempt charitable trusts. Is the organization filing Form 990 in lieu of Form 1041?
12a
 
 
b
If "Yes," enter the amount of tax-exempt interest received or accrued during the year.
12b
 
13
Section 501(c)(29) qualified nonprofit health insurance issuers.
a
Is the organization licensed to issue qualified health plans in more than one state?
Note. See the instructions for additional information the organization must report on Schedule O.
13a
 
 
b
Enter the amount of reserves the organization is required to maintain by the states in which the organization is licensed to issue qualified health plans ....
13b
 
c
Enter the amount of reserves on hand ............
13c
 
14a
Did the organization receive any payments for indoor tanning services during the tax year?.....
14a
 
No
b
If "Yes," has it filed a Form 720 to report these payments? If "No," provide an explanation in Schedule O..
14b
 
 
Form 990 (2015)
Form 990 (2015)
Page 6
Part VI
Governance, Management, and Disclosure For each "Yes" response to lines 2 through 7b below, and for a "No" response to lines 8a, 8b, or 10b below, describe the circumstances, processes, or changes in Schedule O. See instructions.
Check if Schedule O contains a response or note to any line in this Part VI ..............
Section A. Governing Body and Management
Yes
No
1a
Enter the number of voting members of the governing body at the end of the tax year
1a
7
If there are material differences in voting rights among members of the governing body, or if the governing body delegated broad authority to an executive committee or similar committee, explain in Schedule O.
b
Enter the number of voting members included in line 1a, above, who are independent
1b
6
2
Did any officer, director, trustee, or key employee have a family relationship or a business relationship with any other officer, director, trustee, or key employee? .................
2
 
No
3
Did the organization delegate control over management duties customarily performed by or under the direct supervision of officers, directors or trustees, or key employees to a management company or other person? .
3
 
No
4
Did the organization make any significant changes to its governing documents since the prior Form 990 was filed? ...........................
4
Yes
 
5
Did the organization become aware during the year of a significant diversion of the organization’s assets? .
5
 
No
6
Did the organization have members or stockholders? ................
6
Yes
 
7a
Did the organization have members, stockholders, or other persons who had the power to elect or appoint one or more members of the governing body? ....................
7a
Yes
 
b
Are any governance decisions of the organization reserved to (or subject to approval by) members, stockholders, or persons other than the governing body? ...................
7b
Yes
 
8
Did the organization contemporaneously document the meetings held or written actions undertaken during the year by the following:
a
The governing body? .......................
8a
Yes
 
b
Each committee with authority to act on behalf of the governing body? ............
8b
Yes
 
9
Is there any officer, director, trustee, or key employee listed in Part VII, Section A, who cannot be reached at the organization’s mailing address? If "Yes," provide the names and addresses in Schedule O.......
9
 
No
Section B. Policies (This Section B requests information about policies not required by the Internal Revenue Code.)
Yes
No
10a
Did the organization have local chapters, branches, or affiliates? ............
10a
 
No
b
If "Yes," did the organization have written policies and procedures governing the activities of such chapters, affiliates, and branches to ensure their operations are consistent with the organization's exempt purposes?
10b
 
 
11a
Has the organization provided a complete copy of this Form 990 to all members of its governing body before filing the form? ............................
11a
Yes
 
b
Describe in Schedule O the process, if any, used by the organization to review this Form 990. .....
12a
Did the organization have a written conflict of interest policy? If "No," go to line 13.......
12a
Yes
 
b
Were officers, directors, or trustees, and key employees required to disclose annually interests that could give rise to conflicts? ..........................
12b
Yes
 
c
Did the organization regularly and consistently monitor and enforce compliance with the policy? If "Yes," describe in Schedule O how this was done...................
12c
Yes
 
13
Did the organization have a written whistleblower policy? ...............
13
Yes
 
14
Did the organization have a written document retention and destruction policy? .........
14
Yes
 
15
Did the process for determining compensation of the following persons include a review and approval by independent persons, comparability data, and contemporaneous substantiation of the deliberation and decision?
a
The organization’s CEO, Executive Director, or top management official ...........
15a
 
No
b
Other officers or key employees of the organization ................
15b
 
No
If "Yes" to line 15a or 15b, describe the process in Schedule O (see instructions).
16a
Did the organization invest in, contribute assets to, or participate in a joint venture or similar arrangement with a taxable entity during the year? ......................
16a
 
No
b
If "Yes," did the organization follow a written policy or procedure requiring the organization to evaluate its participation in joint venture arrangements under applicable federal tax law, and take steps to safeguard the organization’s exempt status with respect to such arrangements? ............
16b
 
 
Section C. Disclosure
17
List the States with which a copy of this Form 990 is required to be filedMediumBullet
18
Section 6104 requires an organization to make its Form 1023 (or 1024 if applicable), 990, and 990-T (501(c)(3)s only) available for public inspection. Indicate how you made these available. Check all that apply.
19
Describe in Schedule O whether (and if so, how) the organization made its governing documents, conflict of interest policy, and financial statements available to the public during the tax year.
20
State the name, address, and telephone number of the person who possesses the organization's books and records:
MediumBulletJENNIFER P MITCHELL1735 K STREET NW   WASHINGTON,DC200061506 (202) 728-8949
Form 990 (2015)
Form 990 (2015)
Page 7
Part VII
Compensation of Officers, Directors,Trustees, Key Employees, Highest Compensated Employees, and Independent Contractors
Check if Schedule O contains a response or note to any line in this Part VII ..............
Section A. Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees
1a Complete this table for all persons required to be listed. Report compensation for the calendar year ending with or within the organization’s tax year.
RoundBullet List all of the organization’s current officers, directors, trustees (whether individuals or organizations), regardless of amount
of compensation. Enter -0- in columns (D), (E), and (F) if no compensation was paid.

RoundBullet List all of the organization’s current key employees, if any. See instructions for definition of "key employee."
RoundBullet List the organization’s five current highest compensated employees (other than an officer, director, trustee or key employee)
who received reportable compensation (Box 5 of Form W-2 and/or Box 7 of Form 1099-MISC) of more than $100,000 from the
organization and any related organizations.

RoundBullet List all of the organization’s former officers, key employees, or highest compensated employees who received more than $100,000
of reportable compensation from the organization and any related organizations.

RoundBullet List all of the organization’s former directors or trustees that received, in the capacity as a former director or trustee of the
organization, more than $10,000 of reportable compensation from the organization and any related organizations.

List persons in the following order: individual trustees or directors; institutional trustees; officers; key employees; highest
compensated employees; and former such persons.
Check this box if neither the organization nor any related organization compensated any current officer, director, or trustee.
(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
Individual Trustee or Director; Institutional Trustee; OfficerInd; Key Employee; Highest compensated employee; FormerOfcrDirectorTrusteeInd;
(1) RICHARD G KETCHUM......................................................................
CHAIRMAN
 1.0
.................
59.0 		X           0 2,821,159 92,784
(2) JAYNE W BARNARD......................................................................
BOARD MEMBER
 1.0
.................
0.0 		X           0 0 0
(3) JOHN T DOOLEY......................................................................
BOARD MEMBER
 1.0
.................
0.0 		X           0 0 0
(4) IDALIA P FERNANDEZ......................................................................
BOARD MEMBER
 1.0
.................
0.0 		X           0 0 0
(5) ROBERT W SCULLY......................................................................
BOARD MEMBER
 1.0
.................
0.0 		X           0 80,409 0
(6) SHARON P SMITH......................................................................
BOARD MEMBER
 1.0
.................
0.0 		X           0 0 0
(7) G DONALD STEEL......................................................................
BOARD MEMBER
 1.0
.................
0.0 		X           0 0 0
(8) GERALDINE M WALSH......................................................................
PRESIDENT
 48.0
.................
12.0 		    X       0 528,479 99,364
(9) EILEEN M FAMIGLIETTI......................................................................
TREASURER
 6.0
.................
54.0 		    X       0 399,890 84,992
(10) JENNIFER P MITCHELL......................................................................
CORPORATE SECRETARY
 3.0
.................
57.0 		    X       0 248,757 59,759
(11) MARCIA E ASQUITH FMR......................................................................
CORPORATE SECRETARY
 0.0
.................
60.0 		          X 0 564,157 112,407












Form 990 (2015)
Form 990 (2015)
Page 8
Part VII
Section A. Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees (continued)
(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
Individual Trustee or Director; Institutional Trustee; OfficerInd; Key Employee; Highest compensated employee; FormerOfcrDirectorTrusteeInd;


























1b Sub-Total................MediumBullet
c Total from continuation sheets to Part VII, Section A....MediumBullet
d Total (add lines 1b and 1c)...........MediumBullet 0 4,642,851 449,306
2
Total number of individuals (including but not limited to those listed above) who received more than $100,000 of reportable compensation from the organization MediumBullet0
Yes
No
3
Did the organization list any former officer, director or trustee, key employee, or highest compensated employee on line 1a? If "Yes," complete Schedule J for such individual ..............
3
Yes
 
4
For any individual listed on line 1a, is the sum of reportable compensation and other compensation from the organization and related organizations greater than $150,000? If "Yes," complete Schedule J for such
individual...........................
4
Yes
 
5
Did any person listed on line 1a receive or accrue compensation from any unrelated organization or individual for services rendered to the organization? If "Yes," complete Schedule J for such person ........
5
 
No
Section B. Independent Contractors
1
Complete this table for your five highest compensated independent contractors that received more than $100,000 of compensation from the organization. Report compensation for the calendar year ending with or within the organization’s tax year.
(A)
Name and business address 		(B)
Description of services 		(C)
Compensation
GMMB INC,
PO BOX 415312
BOSTON,MA02241 		SEE SCHEDULE O 765,439
HOUGHTON MIFFLIN HARCOURT,
151 W 26TH STREET
NEW YORK,NY10001 		SEE SCHEDULE O 475,133
FAIR ISAAC CORPORATION,
3661 VALLEY CENTRE DRIVE
SAN DIEGO,CA92130 		SEE SCHEDULE O 318,025
BBB INSTITUTE FOR MARKETPLACE TRUST,
3033 WILSON BOULEVARD
ARLINGTON,VA22201 		SEE SCHEDULE O 300,000
APPLIED RESEARCH CONSULTING,
320 WEST 13TH STREET
NEW YORK,NY10014 		SEE SCHEDULE O 245,000
2
Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 of compensation from the organization MediumBullet8
Form 990 (2015)
Form 990 (2015)
Page 9
Part VIII
Statement of Revenue
Check if Schedule O contains a response or note to any line in this Part VIII .............
(A)
Total revenue 		(B)
Related or
exempt
function
revenue 		(C)
Unrelated
business
revenue 		(D)
Revenue
excluded from
tax under sections
512-514
Contributions, Gifts, GrantAmt and OtherAmt Similar Amounts 1a Federated campaigns..1a  
b Membership dues..1b  
c Fundraising events..1c  
d Related organizations1d 50,760,645
e Government grants (contributions)1e  
f All other contributions, gifts, grants, and similar amounts not included above1f  
g Noncash contributions included in lines 1a-1f:$ 25,000,000
h Total.Add lines 1a-1f.......MediumBullet 50,760,645
Program Service RevenueAmt Business Code
2a
b
c
d
e
f All other program service revenue.        
g Total.Add lines 2a–2f.....MediumBullet 0
OtherAmt RevenueAmt 3 Investment income (including dividends, interest, and othersimilar amounts) ..........MediumBullet 659,045     659,045
4 Income from investment of tax-exempt bond proceedsMediumBullet 0      
5 Royalties...........MediumBullet 0      
(ii) Personal (i) Real
6a Gross rents    
b Less: rental expenses    
c Rental income or (loss) 0 0
d Net rental income or (loss)......MediumBullet 0      
(ii) Other (i) Securities
7a Gross amount from sales of assets other than inventory   29,880,710
b Less: cost or other basis and sales expenses   25,979,508
c Gain or (loss)   3,901,202
d Net gain or (loss).....MediumBullet 3,901,202     3,901,202
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..MediumBullet 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..MediumBullet 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..MediumBullet 0      
Business Code Miscellaneous Revenue
11a            
b            
c            
d All other revenue ....        
e Total. Add lines 11a–11d ...... MediumBullet 0
12 Total revenue. See Instructions......MediumBullet 55,320,892     4,560,247
Form 990 (2015)
Form 990 (2015)
Page 10
Part IX
Statement of Functional Expenses
Section 501(c)(3) and 501(c)(4) organizations must complete all columns. All other organizations must complete column (A).Check if Schedule O contains a response or note to any line in this Part IX ..............
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 domestic organizations and domestic governments. See Part IV, line 21 3,100,430 3,100,430
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 ...... 3,424,257 3,424,257    
b Legal ......... 27   27  
c Accounting ........... 76,105   76,105  
d Lobbying ........... 0      
e Professional fundraising services. See Part IV, line 17 0  
f Investment management fees ...... 24,238   24,238  
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 .... 1,496,081 1,482,473 13,608  
13 Office expenses ....... 62,796 3,222 59,574  
14 Information technology ...... 23,374   23,374  
15 Royalties .. 0      
16 Occupancy ........... 148,451 100,821 47,630  
17 Travel ............ 77,428 50,108 27,320  
18 Payments of travel or entertainment expenses for any federal, state, or local public officials . 0      
19 Conferences, conventions, and meetings .... 124,169 83,013 41,156  
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 PUBLICATIONS/PRINTING 174,727 166,893 7,834  
b MISCELLANEOUS EXPENSE 677 210 467  
c DUES/MEMBERSHIP FEE 374 374    
d
e All other expenses        
25 Total functional expenses. Add lines 1 through 24e 8,733,134 8,411,801 321,333 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 MediumBullet if following SOP 98-2 (ASC 958-720).        
Form 990 (2015)
Form 990 (2015)
Page 11
Part X
Balance Sheet
Check if Schedule O contains a response or note to any line in this Part IX ..............
(A)
Beginning of year 		(B)
End of year
Assets 1 Cash–non-interest-bearing ........ 1,070,405 1 342,845
2 Savings and temporary cash investments ......... 3,174,133 2 0
3 Pledges and grants receivable, net ...... 0 3 0
4 Accounts receivable, net ............. 1,353,133 4 199,650
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 ...... 129,126 9 261,722
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 . 26,638,823 11 49,509,293
12 Investments—other securities. See Part IV, line 11 ..... 0 12 23,978,246
13 Investments—program-related. See Part IV, line 11 .. 0 13 0
14 Intangible assets ............... 0 14 0
15 Other assets. See Part IV, line 11 ........... 0 15 0
16 Total assets. Add lines 1 through 15 (must equal line 34)... 32,365,620 16 74,291,756
Liabilities 17 Accounts payable and accrued expenses ..... 862,949 17 210,683
18 Grants payable ... 192,320 18 32,681
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 516 25 9,973
26 Total liabilities. Add lines 17 through 25.. 1,055,785 26 253,337
Net Assets or Fund Balance Organizations that follow SFAS 117 (ASC 958), check here MediumBullet and complete lines 27 through 29, and lines 33 and 34.
27 Unrestricted net assets 31,309,835 27 74,038,419
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 MediumBullet 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 ........... 31,309,835 33 74,038,419
34 Total liabilities and net assets/fund balances ........ 32,365,620 34 74,291,756
Form 990 (2015)
Form 990 (2015)
Page 12
Part XI
Reconcilliation of Net Assets
Check if Schedule O contains a response or note to any line in this Part XI ..............
1
Total revenue (must equal Part VIII, column (A), line 12) ............
1
55,320,892
2
Total expenses (must equal Part IX, column (A), line 25) ............
2
8,733,134
3
Revenue less expenses. Subtract line 2 from line 1 ..............
3
46,587,758
4
Net assets or fund balances at beginning of year (must equal Part X, line 33, column (A)) ..
4
31,309,835
5
Net unrealized gains (losses) on investments ...............
5
-3,881,578
6
Donated services and use of facilities .................
6
3,335,159
7
Investment expenses .....................
7
24,238
8
Prior period adjustments .....................
8
 
9
Other changes in net assets or fund balances (explain in Schedule O) ........
9
-3,336,993
10
Net assets or fund balances at end of year. Combine lines 3 through 9 (must equal Part X, line 33, column (B))
10
74,038,419
Part XII
Financial Statements and Reporting
Check if Schedule O contains a response or note to any line in this Part XII .............
Yes
No
1
Accounting method used to prepare the Form 990:  
If the organization changed its method of accounting from a prior year or checked "Other," explain in
Schedule O.
2a
Were the organization’s financial statements compiled or reviewed by an independent accountant?
2a
 
No
If ‘Yes,’ check a box below to indicate whether the financial statements for the year were compiled or reviewed on a separate basis, consolidated basis, or both:
b
Were the organization’s financial statements audited by an independent accountant?
2b
Yes
 
If ‘Yes,’ check a box below to indicate whether the financial statements for the year were audited on a separate basis, consolidated basis, or both:
c
If "Yes," to line 2a or 2b, does the organization have a committee that assumes responsibility for oversight of the audit, review, or compilation of its financial statements and selection of an independent accountant?
2c
Yes
 
If the organization changed either its oversight process or selection process during the tax year, explain in Schedule O.
3a
As a result of a federal award, was the organization required to undergo an audit or audits as set forth in the Single Audit Act and OMB Circular A-133?
3a
 
No
b
If "Yes," did the organization undergo the required audit or audits? If the organization did not undergo the required audit or audits, explain why in Schedule O and describe any steps taken to undergo such audits.
3b
 
 
Form 990 (2015)
Form 990 (2015)
Additional Data


Software ID:  
Software Version:  
Form 990, Special Condition Description:
Special Condition Description
Schedule B
(Form 990, 990-EZ,
or 990-PF)
Department of the Treasury
Internal Revenue Service
Schedule of Contributors
Arrow Bullet Attach to Form 990, 990-EZ, or 990-PF.
Arrow Bullet Information about Schedule B (Form 990, 990-EZ, or 990-PF) and its instructions is at www.irs.gov/form990.
OMB No. 1545-0047
2015
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





Form 990-PF




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
Special Rules
......... 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 its Form 990PF, Part I, line 2, 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) (2015)
Schedule B (Form 990, 990-EZ, or 990-PF) (2015) Page 2
Name of organization
FINRA INVESTOR EDUCATION FOUNDATION
  		Employer identification number
20-0863779
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


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 

   
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 

   
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 

   
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 

   
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 

   
 
 

$  


(Complete Part II for noncash contributions.)
Schedule B (Form 990, 990-EZ, or 990-PF) (2015)
Schedule B (Form 990, 990-EZ, or 990-PF) (2015)
Page 3
Name of organization
FINRA INVESTOR EDUCATION FOUNDATION
  		Employer identification number

20-0863779
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) (2015)
Schedule B (Form 990, 990-EZ, or 990-PF) (2015)
Page 4
Name of organization
FINRA INVESTOR EDUCATION FOUNDATION
  		Employer identification number

20-0863779
Part III
Exclusively religious, charitable, etc., contributions to organizations described in section 501(c)(7), (8), or (10) that total more than $1,000 for the year from any one contributor. 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 (c) Use 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 (c) Use 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 (c) Use 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 (c) Use 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) (2015)

Additional Data


Software ID:  
Software Version:  
SCHEDULE D
(Form 990)
Department of the Treasury
Internal Revenue Service
Supplemental Financial Statements
SchDMd Bullet Complete if the organization answered "Yes," on 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.
Information about Schedule D (Form 990) and its instructions is at www.irs.gov/form990.
OMB No. 1545-0047
2015
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" on Form 990, Part IV, line 6.
(a) Donor advised funds (b) Funds and other accounts
1 Total number at end of year ....    
2 Aggregate value of contributions to (during year)    
3 Aggregate value of grants from (during year)    
4 Aggregate value at end of year ....    
5
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? ...........
6
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? ............................
Part II
Conservation Easements. Complete if the organization answered "Yes" on Form 990, Part IV, line 7.
1
Purpose(s) of conservation easements held by the organization (check all that apply).
2
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.
Held at the End of the 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  
3
Number of conservation easements modified, transferred, released, extinguished, or terminated by the organization during the
tax year SchDMd Bullet  
4
Number of states where property subject to conservation easement is located SchDMd Bullet  
5
Does the organization have a written policy regarding the periodic monitoring, inspection, handling of violations, and enforcement of the conservation easements it holds? ............
6
Staff and volunteer hours devoted to monitoring, inspecting, handling of violations, and enforcing conservation easements during the year
SchDMd Bullet  
7
Amount of expenses incurred in monitoring, inspecting, handling of violations, and enforcing conservation easements during the year
SchDMd Bullet $  
8
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)? .............................
9
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" on Form 990, Part IV, line 8.
1a
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.
b
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)
Revenue included on Form 990, Part VIII, line 1 .........................SchDMd Bullet $  
(ii)
Assets included in Form 990, Part X ...............................SchDMd Bullet $  
2
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:
a
Revenue included on Form 990, Part VIII, line 1 ..........................SchDMd Bullet $  
b
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) 2015

Schedule D (Form 990) 2015
Page 2
Part III
Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets (continued)
3
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):
a
d
b
e
 
c
4
Provide a description of the organization’s collections and explain how they further the organization’s exempt purpose in
Part XIII.
5
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?...
Part IV
Escrow and Custodial Arrangements. Complete if the organization answered "Yes" on Form 990, Part IV, line 9, or reported an amount on Form 990, Part X, line 21.
1a
Is the organization an agent, trustee, custodian or other intermediary for contributions or other assets not
included on Form 990, Part X? ....................................
b If "Yes," explain the arrangement in Part XIII and complete the following table: Amount
c Beginning balance ............................. 1c  
d Additions during the year ............................ 1d  
e Distributions during the year .......................... 1e  
f Ending balance ................................ 1f  
2a
Did the organization include an amount on Form 990, Part X, line 21, for escrow or custodial account liability?
b
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" on Form 990, Part IV, line 10.
(a)Current year (b)Prior year (c)Two years back (d)Three years back (e)Four years back
1a Beginning of year balance ....          
b Contributions ...          
c Net investment earnings, gains, and losses          
d Grants or scholarships ...          
e Other expenditures for facilities
and programs ... 		         
f Administrative expenses ....          
g End of year balance ......          
2
Provide the estimated percentage of the current year end balance (line 1g, column (a)) held as:
a
Board designated or quasi-endowment SchDMd Bullet  
b
Permanent endowment SchDMd Bullet  
c
Temporarily restricted endowment SchDMd Bullet  
The percentages on lines 2a, 2b, and 2c should equal 100%.
3a
Are there endowment funds not in the possession of the organization that are held and administered for the
organization by:

Yes
No
(i) unrelated organizations .................
3a(i)
 
 
(ii) related organizations .................
3a(ii)
 
 
b
If "Yes" on 3a(ii), are the related organizations listed as required on Schedule R? .........
3b
 
 
4
Describe in Part XIII the intended uses of the organization's endowment funds.
Part VI
Land, Buildings, and Equipment.
Complete if the organization answered 'Yes' on Form 990, Part IV, line 11a. 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).)..SchDMdBullet  
Schedule D (Form 990) 2015

Schedule D (Form 990) 2015
Page 3
Part VII
Investments—Other Securities. Complete if the organization answered 'Yes' on Form 990, Part IV, line 11b. 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    
(3)Other
(A) PRIVATE INVESTMENTS 		23,978,246 F
(A)
(B)
(C)
(D)
(E)
(F)
(G)
(H)
Total. (Column (b) must equal Form 990, Part X, col. (B) line 12.)Small Bullet 23,978,246
Part VIII
Investments—Program Related. Complete if the organization answered 'Yes' on Form 990, Part IV, line 11c. See Form 990, Part X, line 13.
(a) Description of investment (b) Book value (c) Method of valuation:
Cost or end-of-year market value
(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
Total. (Column (b) must equal Form 990, Part X, col.(B) line 13.)Small Bullet  
Part IX
Other Assets. Complete if the organization answered 'Yes' on Form 990, Part IV, line 11d. See Form 990, Part X, line 15.
(a) Description (b) Book value
(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
Total. (Column (b) must equal Form 990, Part X, col.(B) line 15.)...........Small Bullet  
Part X
Other Liabilities. Complete if the organization answered 'Yes' on Form 990, Part IV, line 11e or 11f. See Form 990, Part X, line 25.
1.(a) Description of liability (b) Book value
(1) Federal income taxes 0
DUE TO RELATED ORGANIZATION 9,973
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
Total. (Column (b) must equal Form 990, Part X, col.(B) line 25.)Small Bullet 9,973
2. Liability for uncertain tax positions. 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) 2015

Schedule D (Form 990) 2015
Page 4
Part XI Reconciliation of Revenue per Audited Financial Statements With Revenue per Return Complete if the organization answered 'Yes' on Form 990, Part IV, line 12a.
1 Total revenue, gains, and other support per audited financial statements ....... 1 54,774,473
2 Amounts included on line 1 but not on Form 990, Part VIII, line 12:
a Net unrealized gains (losses) on investments .... 2a -3,881,578
b Donated services and use of facilities ......... 2b 3,335,159
c Recoveries of prior year grants ........... 2c  
d Other (Describe in Part XIII.) ............ 2d  
e Add lines 2a through 2d ..................... 2e -546,419
3 Subtract line 2e from line 1.................. 3 55,320,892
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 55,320,892
Part XII Reconciliation of Expenses per Audited Financial Statements With Expenses per Return. Complete if the organization answered 'Yes' on Form 990, Part IV, line 12a.
1 Total expenses and losses per audited financial statements ........... 1 12,045,889
2 Amounts included on line 1 but not on Form 990, Part IX, line 25:
a Donated services and use of facilities ......... 2a 3,335,159
b Prior year adjustments ............ 2b  
c Other losses ................ 2c  
d Other (Describe in Part XIII.) ............ 2d -22,404
e Add lines 2a through 2d.................... 2e 3,312,755
3 Subtract line 2e from line 1................... 3 8,733,134
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 8,733,134

Part XIII
Supplemental Information
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.
Return Reference Explanation
SCHEDULE D, PART X, LINE 2 ASC740 FOOTNOTE THE FOUNDATION IS A TAX-EXEMPT ORGANIZATION UNDER SECTION 501(C)(4)OF THE INTERNAL REVENUE CODE AND, ACCORDINGLY, HAS MADE NO PROVISION FOR FEDERAL OR STATE INCOME TAXES. FOR YEARS ENDED DECEMBER 31, 2012 THROUGH DECEMBER 31, 2015, WHICH REPRESENT THE PERIODS MANAGEMENT CONSIDERS TO BE OPEN FOR EXAMINATION BY TAXING AUTHORITIES, MANAGEMENT DID NOT IDENTIFY THE EXISTENCE OF ANY UNCERTAIN TAX POSITIONS. UNRELATED BUSINESS INCOME UNRELATED BUSINESS INCOME ACTIVITIES ARE TAXED AT NORMAL CORPORATE RATES TO THE EXTENT THAT THEY GENERATE TAXABLE NET INCOME. SUCH UNRELATED BUSINESS INCOME MAY BE GENERATED BY CERTAIN ACTIVITIES WITHIN THE FOUNDATION'S LIMITED PARTNERSHIP INVESTMENT.
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) 2015


Additional Data


Software ID:  
Software Version:  




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," on Form 990, Part IV, line 21 or 22.
lBullet Attach to Form 990.
lBullet Information about Schedule I (Form 990) and its instructions is at www.irs.gov/form990.
OMB No. 1545-0047
2015
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
1
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? ........................
2
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 Domestic Organizations and Domestic Governments. Complete if the organization answered "Yes" on 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 section
if applicable		 (d) Amount of cash grant (e) Amount of non-cash
assistance		 (f) Method of valuation
(book, FMV, appraisal,
other)		 (g) Description of
non-cash assistance		 (h) Purpose of grant
or assistance
(1) BRIGHTON CENTER INC
PO BOX 325
NEWPORT,KY41072 		61-0673886 501(C)(3) 50,000       SEE SCHEDULE O
(2) CHICAGO PUBLIC LIBRARY
20 NORTH MICHIGAN AVENUE
CHICAGO,IL60602 		36-3480353 501(C)(3) 50,000       SEE SCHEDULE O
(3) CLAYTON COLLABORATIVE AUTHORITY
696 MOUNT ZION ROAD
JONESBORO,GA30236 		58-2516726 501(C)(3) 50,000       SEE SCHEDULE O
(4) COLORADO LIBRARY CONSORTIUM
7400 EAST ARAPAHONE
CENTENNIAL,CO80112 		84-0691967 501(C)(3) 74,965       SEE SCHEDULE O
(5) CONSUMER CREDIT COUNSELING SVC OF DELAWARE
1608 WALNUT STREET
PHILADELPHIA,PA19103 		23-1671903 501(C)(3) 70,900       SEE SCHEDULE O
(6) ENGLISH SKILLS LEARNING CENTER
4444 SO 700
SALT LAKE CITY,UT84107 		87-0467902 501(C)(3) 49,500       SEE SCHEDULE O
(7) FOUNDATION OF FULTON MONTGOMERY COMMUNITY
2805 STATE HIGHWAY 67
JOHNSTOWN,NY12095 		14-1584150 501(C)(3) 45,694       SEE SCHEDULE O
(8) FRIENDS OF LITTLETON LIBRARY
6028 SOUTH GOLLUP ST
LITTLETON,CO80120 		84-6043543 501(C)(3) 72,350       SEE SCHEDULE O
(9) FRIENDS OF THE ALBUQUERQUE PUBLIC LIBRARY
PO BOX 26657
ALBUQUERQUE,NM87125 		23-7024173 501(C)(3) 31,635       SEE SCHEDULE O
(10) FRIENDS OF THE ASHE COUNTY PUBLIC LIBRARY
148 LIBRARY DRIVE
WEST JEFFERSON,NC28694 		53-1386281 501(C)(3) 29,261       SEE SCHEDULE O
(11) FRIENDS OF THE CHESTERFIELD COUNTY PUBLIC
PO BOX 4842
MIDLOTHIAN,VA23112 		52-1245254 501(C)(3) 39,140       SEE SCHEDULE O
(12) FRIENDS OF THE LIBRARY OF HAWAII
690 POHUKAINA STREET
HONOLULU,HI96813 		99-6003670 501(C)(3) 100,000       SEE SCHEDULE O
(13) GEORGIA STATE UNIVERSITY COLLEGE OF LAW
PO BOX 3999
ATLANTA,GA30302 		58-1845423 501(C)(3) 62,500       SEE SCHEDULE O
(14) GREATER EDWARDSVILLE AREA COMMUNITY FND
PO BOX 102
EDWARDSVILLE,IL62025 		36-7146151 501(C)(3) 27,295       SEE SCHEDULE O
(15) INNOVATIVE CHANGES
2010 LLOYD CENTER
PORTLAND,OR97232 		80-0516996 501(C)(3) 42,185       SEE SCHEDULE O
(16) JOB OPPORTUNITIES TASK FORCE
217 EAST REDWOOD ST
BALTIMORE,MD21202 		52-2278450 501(C)(3) 63,816       SEE SCHEDULE O
(17) KANSAS CITY PUBLIC LIBRARY
14 WEST 10TH STREET
KANSAS CITY,KS64105 		43-1497955 501(C)(3) 50,000       SEE SCHEDULE O
(18) KENTUCKY DOMESTIC VIOLENCE ASSOCIATION INC
PO BOX 356
FRANKFORT,KY40601 		61-1110432 501(C)(3) 74,800       SEE SCHEDULE O
(19) LAKE REGION STATE COLLEGE LIBRARY FND
1801 COLLEGE DR
DEVILS LAKE,ND58301 		51-0242987 501(C)(3) 38,625       SEE SCHEDULE O
(20) LIBRARIES OF MONTROSE COUNTY
320 SOUTH 2ND STREET
MONTROSE,CO81401 		87-0752578 501(C)(3) 94,590       SEE SCHEDULE O
(21) LIBRARY LEGACY FOUNDATION OF TOLEDO-LUCAS
325 MICHIGAN STREET
TOLEDO,OH43604 		34-1632308 501(C)(3) 40,941       SEE SCHEDULE O
(22) LYRASISSTATE LIBRARIES OF IOWA
1438 WEST PEACHTREE ST
ATLANTA,GA30309 		23-1365979 501(C)(3) 35,507       SEE SCHEDULE O
(23) METRO UNITED WAY INC
334 EAST BROADWAY
LOUISVILLE,KY40204 		61-0444680 501(C)(3) 60,927       SEE SCHEDULE O
(24) MICHIGAN STATE UNIVERSITY COLLEGE OF LAW
628 N SHAW LANE
EAST LANSING,MI48824 		38-1358000 501(C)(3) 62,500       SEE SCHEDULE O
(25) MISSION ECONOMIC DEVELOPMENT AGENCY
2301 MISSION ST
SAN FRANCISCO,CA94110 		51-0187791 501(C)(3) 75,000       SEE SCHEDULE O
(26) MONROE COUNTY PUBLIC LIBRARY
303 E KIRKWOOD AVE
BLOOMINGTON,IN47408 		35-1892355 501(C)(3) 43,615       SEE SCHEDULE O
(27) MONTANA STATE UNIVERSITY
309 MONTANTA HALL
PO BOX 172470
BOZEMAN,MT59717 		81-6010045 501(C)(3) 14,361       SEE SCHEDULE O
(28) MONTANA STATE UNIVERSITY EXTENSION
309 MONTANA HALL
BOZEMAN,MT59717 		81-6010045 501(C)(3) 68,332       SEE SCHEDULE O
(29) NEIGHBORHOOD ECONOMIC DEVELOPMENT CORP
212 MAIN STREET
SPRINGFIELD,OR97477 		93-0739188 501(C)(3) 75,000       SEE SCHEDULE O
(30) NORTHWEST SIDE HOUSING CENTER
5233 WEST DIVERSITY AVE
CHICAGO,IL60639 		20-1413891 501(C)(3) 62,500       SEE SCHEDULE O
(31) OPERATION HOPE
707 WILSHIRE BLVD
LOS ANGELES,CA90017 		95-4378084 501(C)(3) 130,724       SEE SCHEDULE O
(32) PIONEER LIBRARY SYSTEM FOUNDATION
300 NORTH CENTER COURT
NORMAN,OK73072 		01-0946757 501(C)(3) 19,789       SEE SCHEDULE O
(33) RUNDELL LIBRARY FOUNDATION
115 SOUTH AVENUE
ROCHESTER,NY14610 		16-1347453 501(C)(3) 29,255       SEE SCHEDULE O
(34) SAN DIEGO PUBLIC LIBRARY
820 E STREET
SAN DIEGO,CA92101 		33-0959608 501(C)(3) 100,000       SEE SCHEDULE O
(35) SPRINGDALE PUBLIC LIBRARY
405 SOUTH PLEASANT ST
SPRINGDALE,AZ72764 		71-0861658 501(C)(3) 17,028       SEE SCHEDULE O
(36) STEP UP SAVANNAH
428 BULL STREET
SAVANNAH,GA31401 		30-0526014 501(C)(3) 95,000       SEE SCHEDULE O
(37) THE GREATER PATCHOGUE FOUNDATION
15 NORTH OCEAN AVENUE
PATCHOGUE,NY11772 		61-1417255 501(C)(3) 29,876       SEE SCHEDULE O
(38) THE MOUNTAIN BROOK LIBRARY FOUNDATION
50 OAK STREET
MOUNTAIN BROOK,AL35213 		58-2094979 501(C)(3) 38,500       SEE SCHEDULE O
(39) TRUSTEES OF BOSTON COLLEGE
140 COMMONWEALTH
CHESTNUT HILL,MA02467 		04-2103545 501(C)(3) 26,366       SEE SCHEDULE O
(40) UNITED WAY OF CENTRAL INDIANA
3901 NORTH MERIDIAN
INDIANAPOLIS,IN46208 		35-1007590 501(C)(3) 59,018       SEE SCHEDULE O
(41) UNITED WAY OF CENTRAL IOWA
1111 NINTH STREET
DES MOINES,IA50314 		42-0680425 501(C)(3) 75,000       SEE SCHEDULE O
(42) UNITED WAY OF CHITTENDEN COUNTY
412 FARRELL ST
SOUTH BURLINGTON,VT05403 		03-0217229 501(C)(3) 74,800       SEE SCHEDULE O
(43) UNITED WAY OF GREATER AUSTIN
2000 E MLK JR DRIVE
AUSTIN,TX78702 		74-1193439 501(C)(3) 75,000       SEE SCHEDULE O
(44) UNITED WAY OF GREATER MILWUAKEE & WAUKESHA CTY
225 WEST VINE STREET
MILWAUKEE,WI53005 		39-0806190 501(C)(3) 75,000       SEE SCHEDULE O
(45) UNITED WAY OF GREATER MILWAUKEE & WAUKESHA CTY
225 WEST VINE STREET
MILWAUKEE,WI53005 		39-0806190 501(C)(3) 75,000       SEE SCHEDULE O
(46) UNITED WAY OF INLAND VALLEYS
6215 RIVER CREST DR
RIVERSIDE,CA92507 		95-1742174 501(C)(3) 62,336       SEE SCHEDULE O
(47) UNITED WAY OF METROPOLITAN ATLANTA
100 EDGEWOOD DRIVE
ATLANTA,GA30303 		58-0566194 501(C)(3) 70,345       SEE SCHEDULE O
(48) UNITED WAY OF MONROE COUNTY
441 SOUTH COLLEGE
BLOOMINGTON,IN47403 		35-0985959 501(C)(3) 52,319       SEE SCHEDULE O
(49) UNITED WAY OF STORY COUNTY
315 CLARK AVENUE
AMES,IA50010 		42-0947489 501(C)(3) 57,481       SEE SCHEDULE O
(50) UNITED WAY OF WAYNE AND HOLMES COUNTIES
215 SOUTH WALNUT STREET
WOOSTER,OH44691 		34-0946973 501(C)(3) 25,000       SEE SCHEDULE O
(51) UNIVERSITY OF KANSAS CENTER FOR RESEARCH
2385 IRVING HILL ROAD
LAWRENCE,KS66045 		48-0680117 501(C)(3) 42,219       SEE SCHEDULE O
(52) UNIVERSITY OF MARYLAND BALTIMORE
620 WEST LEXINGTON
COLLEGE PARK,MD30384 		52-6002033 501(C)(3) 17,639       SEE SCHEDULE O
(53) URBAN INSTITUTE
2100 M STREET NW
WASHINGTON,DC20037 		52-0880375 501(C)(3) 38,750       SEE SCHEDULE O
(54) VIRGINIA BEACH LIBRARY FOUNDATION
2416 COURTHOUSE
VIRGINIA BEACH,VA23456 		27-3077402 501(C)(3) 33,050       SEE SECHEDULE O
(55) YWCA OF SEATTLEKINGSNOHOMISH
2024 3RD AVENUE
SEATTLE,WA98121 		91-0482890 501(C)(3) 75,000       SEE SCHEDULE O
(56) STANFORD UNIVERSITY
579 SERRA MALL
STANFORD,CA94305 		94-1156365 501(C)(3) 50,000       SEE SCHEDULE O
2
Enter total number of section 501(c)(3) and government organizations listed in the line 1 table ................. Bullet Image
56
3
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) 2015

Schedule I (Form 990) 2015
Page 2
Part III
Grants and Other Assistance to Domestic Individuals. Complete if the organization answered "Yes" on 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
(1)
(2)
(3)
(4)
(5)
(6)
(7)
Part IV
Supplemental Information. Provide the information required in Part I, line 2, Part III, column (b), and any other additional information.
Return Reference Explanation
FORM 990, SCHEDULE I, PART I, LINE 2 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 TIED 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) 2015



Additional Data


Software ID:  
Software Version:  


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" on Form 990, Part IV, line 23.
SchJMediumBullet Attach to Form 990.
SchJMediumBullet Information about Schedule J (Form 990) and its instructions is at www.irs.gov/form990.
OMB No. 1545-0047
2015
Open to Public Inspection
Name of the organization
FINRA INVESTOR EDUCATION FOUNDATION
 
Employer identification number

20-0863779
Part I
Questions Regarding Compensation
Yes
No
1a
Check the appropiate box(es) if the organization provided any of the following to or for a person listed on Form
990, Part VII, Section A, line 1a. Complete Part III to provide any relevant information regarding these items.
b
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 .........
1b
 
 
2
Did the organization require substantiation prior to reimbursing or allowing expenses incurred by all
directors, trustees, officers, including the CEO/Executive Director, regarding the items checked in line 1a? ..
2
 
 
3
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.
4
During the year, did any person listed on Form 990, Part VII, Section A, line 1a with respect to the filing organization or a related organization:
a
Receive a severance payment or change-of-control payment? ................
4a
 
No
b
Participate in, or receive payment from, a supplemental nonqualified retirement plan? .........
4b
Yes
 
c
Participate in, or receive payment from, an equity-based compensation arrangement? .........
4c
 
No
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), 501(c)(4), and 501(c)(29) organizations must complete lines 5-9.
5
For persons listed on Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the revenues of:
a
The organization? ...........................
5a
 
No
b
Any related organization?
5b
 
No
If "Yes," on line 5a or 5b, describe in Part III.
6
For persons listed on Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the net earnings of:
a
The organization?
6a
 
No
b
Any related organization? .........................
6b
 
No
If "Yes," on line 6a or 6b, describe in Part III.
7
For persons listed on 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 ............
7
 
No
8
Were any amounts reported on 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 .............................
8
 
No
9
If "Yes" on line 8, did the organization also follow the rebuttable presumption procedure described in Regulations section 53.4958-6(c)? .........................
9
 
 
For Paperwork Reduction Act Notice, see the Instructions for Form 990.
Cat. No. 50053T
Schedule J (Form 990) 2015

Schedule J (Form 990) 2015
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 on 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 in column(B) reported as deferred on prior Form 990
(i) Base compensation (ii) Bonus & incentive compensation (iii) Other reportable compensation
1RICHARD G KETCHUMCHAIRMAN (i)

(ii)		 0
-------------
977,934 		0
-------------
1,500,000 		0
-------------
343,225 		0
-------------
70,134 		0
-------------
22,650 		0
-------------
2,913,943 		0
-------------
 
2GERALDINE M WALSHPRESIDENT (i)

(ii)		 0
-------------
282,560 		0
-------------
225,000 		0
-------------
20,919 		0
-------------
80,698 		0
-------------
18,666 		0
-------------
627,843 		0
-------------
 
3EILEEN M FAMIGLIETTITREASURER (i)

(ii)		 0
-------------
263,896 		0
-------------
134,033 		0
-------------
1,961 		0
-------------
48,008 		0
-------------
36,984 		0
-------------
484,882 		0
-------------
 
4JENNIFER P MITCHELLCORPORATE SECRETARY (i)

(ii)		 0
-------------
157,394 		0
-------------
90,000 		0
-------------
1,363 		0
-------------
22,045 		0
-------------
37,714 		0
-------------
308,516 		0
-------------
 
5MARCIA E ASQUITH FMRCORPORATE SECRETARY (i)

(ii)		 0
-------------
250,052 		0
-------------
290,000 		0
-------------
24,105 		0
-------------
84,521 		0
-------------
27,886 		0
-------------
676,564 		0
-------------
0
Schedule J (Form 990) 2015

Schedule J (Form 990) 2015
Page 3
Part III
Supplemental Information
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.
Return Reference Explanation
SCHEDULE J, PART I, LINES 3 AND 4B SUPPLEMENTAL COMPENSATION INFORMATION THE FOUNDATION DOES NOT HAVE ANY EMPLOYEES. ALL SERVICES ARE PROVIDED BY EMPLOYEES OF FINRA OR ITS SUBSIDIARIES. THE FOUNDATION DOES NOT COMPENSATE THESE EMPLOYEES FOR THEIR SERVICES. LINE 3) COMPENSATION FOR THE CEO/EXECUTIVE DIRECTOR IS ESTABLISHED AT THE PARENT ORGANIZATION, THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC. FOR FURTHER DETAILS REGARDING COMPENSATION OF OFFICERS, PLEASE REFER TO THE 2015 RETURN OF ORGANIZATION EXEMPT FROM INCOME TAX - FORM 990 OF THE FOUNDATION'S PARENT ORGANIZATION, THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC. WITH RESPECT TO 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 2015: 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 THREE YEAR VESTING CYCLE WITH ANNUAL VESTING BEGINNING AT AGE 62. PARTICIPANTS IN THE SUPPLEMENTAL NON-QUALIFIED DEFINED CONTRIBUTION PLAN WITH CONTRIBUTIONS VESTING IN 2015 INCLUDE: RICHARD G. KETCHUM - $300,020
Schedule J (Form 990) 2015
Additional Data


Software ID:  
Software Version:  
SCHEDULE M
(Form 990)

Department of the Treasury
Internal Revenue Service
Noncash Contributions
Right pointing arrow large imageComplete if the organizations answered "Yes" on Form 990, Part IV, lines 29 or 30.
Right pointing arrow large image Attach to Form 990.
Right pointing arrow large imageInformation about Schedule M (Form 990) and its instructions is at www.irs.gov/form990
OMB No. 1545-0047
2015
Open to Public Inspection
Name of the organization
FINRA INVESTOR EDUCATION FOUNDATION
 
Employer identification number

20-0863779
Part I
Types of Property
(a)
Check if applicable 		(b)
Number of contributions or items contributed 		(c)
Noncash contribution amounts reported on
Form 990, Part VIII, line 1g 		(d)
Method of determining
noncash contribution amounts
1 Art—Works of art ....        
2 Art—Historical treasures .        
3 Art—Fractional interests ..        
4 Books and publications ..      
5 Clothing and household
goods ....... 		     
6 Cars and other vehicles ..        
7 Boats and planes ....        
8 Intellectual property ...        
9 Securities—Publicly traded .        
10 Securities—Closely held stock .        
11 Securities—Partnership, LLC,
or trust interests .... 		X 1 25,000,000 FMV
12 Securities—Miscellaneous ..        
13 Qualified conservation
contribution—Historic
structures ..... 		       
14 Qualified conservation
contribution—Other ... 		       
15 Real estate—Residential .        
16 Real estate—Commercial ..        
17 Real estate—Other ...        
18 Collectibles .....        
19 Food inventory ...        
20 Drugs and medical supplies .        
21 Taxidermy ......        
22 Historical artifacts ....        
23 Scientific specimens ..        
24 Archeological artifacts ...        
25 Other Right pointing arrow large image ( )
26 Other Right pointing arrow large image ( )
27 Other Right pointing arrow large image ( )
28 Other Right pointing arrow large image ( )
29
Number of Forms 8283 received by the organization during the tax year for contributions
for which the organization completed Form 8283, Part IV, Donee Acknowledgement
29
0
Yes
No
30a
During the year, did the organization receive by contribution any property reported in Part I, lines 1 through 28, that
it must hold for at least three years from the date of the initial contribution, and which is not required to be used
for exempt purposes for the entire holding period? ..................
30a
 
No
b
If "Yes," describe the arrangement in Part II.
31
Does the organization have a gift acceptance policy that requires the review of any non-standard contributions?
31
 
No
32a
Does the organization hire or use third parties or related organizations to solicit, process, or sell noncash
contributions? ..........................
32a
 
No
b
If "Yes," describe in Part II.
33
If the organization did not report an amount in column (c) for a type of property for which column (a) is checked,
describe in Part II.
For Paperwork Reduction Act Notice, see the Instructions for Form 990.
Cat. No. 51227J
Schedule M (Form 990) (2015)
Schedule M (Form 990) (2015)
Page 2
Part II
Supplemental Information. Provide the information required by Part I, lines 30b, 32b, and 33, and whether the organization is reporting in Part I, column (b), the number of contributions, the number of items received, or a combination of both. Also complete this part for any additional information.
Return Reference Explanation
SCHEDULE M, LINE 11 THE NONCASH CONTRIBUTION REPORTED ON LINE 11 REFLECTS THE CONTRIBUTION MADE BY THE FINANCIAL INDUSTRY REGULATORY AUTHORITY IN THE FORM OF AN ASSIGNMENT OF INTEREST IN ONE OF FINRA'S LIMITED PARTNERSHIPS.
Schedule M (Form 990) (2015)

Additional Data


Software ID:  
Software Version:  
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 990-EZ or to provide any additional information.
MediumBullet Attach to Form 990 or 990-EZ.
MediumBullet Information about Schedule O (Form 990 or 990-EZ) and its instructions is at
www.irs.gov/form990.
OMB No. 1545-0047
2015
Open to Public
Inspection
Name of the organization
FINRA INVESTOR EDUCATION FOUNDATION
 
Employer identification number

20-0863779
Return Reference Explanation
FORM 990, PART I, LINE 6 SIX OF THE SEVEN MEMBERS OF THE BOARD OF DIRECTORS ARE CONSIDERED INDEPENDENT VOTING MEMBERS AND SERVE ON A VOLUNTEER BASIS. AS DISCLOSED IN LINES (1) AND (5) OF FORM 990, PART VII, SECTION 1A, TWO BOARD MEMBERS RECEIVE COMPENSATION FROM FINRA, THE FOUNDATION'S PARENT. ONE BOARD MEMBER RECEIVES COMPENSATION AS AN OFFICER OF FINRA AND IS NEITHER CONSIDERED INDEPENDENT NOR COUNTED AS A VOLUNTEER. THE OTHER BOARD MEMBER IS COMPENSATED FOR HIS WORK AS A MEMBER OF THE BOARD OF FINRA AND IS CONSIDERED INDEPENDENT AND COUNTED AS A VOLUNTEER. THE BOARD OF DIRECTORS IS RESPONSIBLE FOR APPROVING GRANTS AND PROJECTS.
FORM 990,PART III, LINE 4 4A) EXPAND GRASSROOTS CAPACITY FOR FINANCIAL EDUCATION THE FOUNDATION EXPANDS GRASSROOTS CAPACITY FOR FINANCIAL EDUCATION THROUGH A VARIETY OF INITIATIVES AT THE COMMUNITY LEVEL THAT PROVIDE UNDERSERVED AMERICANS WITH THE KNOWLEDGE, SKILLS AND TOOLS NECESSARY FOR FINANCIAL SUCCESS THROUGHOUT LIFE. FINANCIAL CAPABILITY @WORK FINANCIAL CAPABILITY @WORK IS ADMINISTERED JOINTLY BY THE FOUNDATION AND UNITED WAY WORLDWIDE TO HELP COMMUNITY-LEVEL PROVIDERS IMPLEMENT SUSTAINABLE WORKPLACE FINANCIAL CAPABILITY PROGRAMS. THROUGH GRANTS AND TRAINING, THE PROGRAM SUPPORTS EFFORTS TO PROVIDE LOW- AND MODERATE-INCOME WORKERS WITH ACCESS TO EFFECTIVE, UNBIASED FINANCIAL EDUCATION AND RELATED SUPPORT SERVICES. SMART INVESTING@YOUR LIBRARY SMART INVESTING@YOUR LIBRARY IS ADMINISTERED JOINTLY BY THE FOUNDATION AND THE AMERICAN LIBRARY ASSOCIATION. THROUGH GRANTS, EXHIBITS AND LIBRARIAN TRAINING, THIS PROGRAM SUPPORTS EFFORTS TO PROVIDE LIBRARY PATRONS WITH EFFECTIVE, UNBIASED FINANCIAL EDUCATION OPPORTUNITIES AND INFORMATION. TEEN FINANCIAL LITERACY PROJECT TEEN FINANCIAL LITERACY PROJECT ADDRESSED THE PERSONAL FINANCE TOPICS THAT ARE MOST IMPORTANT FOR TEENS TO UNDERSTAND AND USE IN EVERYDAY SITUATIONS AS THEY BEGIN TO ASSUME FINANCIAL RESPONSIBILITY IN THEIR LIVES. THIS PROJECT SUCCESSFULLY REACHED CONCLUSION IN 2015. EDUCATIONAL GRANTS EDUCATIONAL GRANTS SUPPORT INSTRUCTIONAL INTERVENTIONS TO IMPROVE THE FINANCIAL KNOWLEDGE, SKILLS AND BEHAVIORS OF TARGETED, HIGH-NEED AUDIENCES. INVESTOR ADVOCACY CLINIC GRANTS INVESTOR ADVOCACY CLINIC GRANTS SUPPORT LAW SCHOOL CLINICS OFFERING LEGAL ADVICE AND OTHER HELP FOR UNDERSERVED INVESTORS, THEREBY FILLING THE GAP IN LEGAL REPRESENTATION FOR INVESTORS WITH SMALL CLAIMS WHO DO NOT HAVE THE FINANCIAL RESOURCES TO OBTAIN LEGAL REPRESENTATION. 4B) PROTECT CONSUMERS FROM FINANCIAL FRAUD THE FOUNDATION'S GOAL TO PROTECT CONSUMERS FROM FINANCIAL FRAUD IS ACCOMPLISHED LARGELY THROUGH THE INVESTOR PROTECTION CAMPAIGN, WHICH AIMS TO EDUCATE INVESTORS AND INTERMEDIARIES TO REDUCE THE INCIDENCE OF INVESTMENT FRAUD. THROUGH RESEARCH, EDUCATION AND OUTREACH, THE PROGRAM INCREASES FRAUD PREVENTION AWARENESS, EMPOWERS CONSUMERS AND TRAINS LAW ENFORCEMENT AND OTHER ADVOCATES TO RECOGNIZE, PREVENT AND ASSIST VICTIMS OF FINANCIAL FRAUD. 4C) ENSURE MILITARY FINANCIAL READINESS THE FOUNDATION DELIVERS HIGH-QUALITY INFORMATION AND TOOLS TO MILITARY SERVICE MEMBERS AND THEIR FAMILIES AND COLLABORATES WITH THE DEPARTMENT OF DEFENSE ON ITS FINANCIAL READINESS CAMPAIGN. THE FOUNDATION INCREASES PERSONAL FINANCE EXPERTISE AND SERVICES IN MILITARY COMMUNITIES, IMPROVES THE CREDIT MANAGEMENET OF SERVICE MEMBERS AND THEIR SPOUSES AND PROVIDES OUTREACH SERVICES TO THE MILITARY COMMUNITY. 4D) BENCHMARK & TRACK AMERICANS' FINANCIAL CAPABILITY THE FOUNDATION BENCHMARKS AND TRACKS AMERICANS' FINANCIAL CAPABILITY BY AWARDING RESEARCH GRANTS AND ADMINISTERING THE NATIONAL FINANCIAL CAPABILITY STUDY. RESEARCH GRANTS RESEARCH GRANTS SUPPORT EXPERIMENTS AND DATA ANALYSIS THAT FURTHER UNDERSTANDING OF THE RELATIONSHIPS AMONG FINANCIAL LITERACY, FINANCIAL CAPABILITY AND FINANCIAL WELL-BEING. NATIONAL FINANCIAL CAPABILITY STUDY THE NATIONAL FINANCIAL CAPABILITY STUDY IS DESIGNED TO BENCHMARK KEY INDICATORS OF FINANCIAL CAPABILITY AND EVALUATE HOW THESE INDICATORS VARY WITH UNDERLYING DEMOGRAPHIC, BEHAVIORAL, ATTITUDINAL AND FINANCIAL LITERACY CHARACTERISTICS. THE STUDY IS CONDUCTED IN COLLABORATION WITH A VARIETY OF STAKEHOLDERS INCLUDING THE U.S. DEPARTMENT OF TREASURY, CONSUMER FINANCIAL PROTECTION BUREAU AND OTHER AGENCIES.
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. CHANGES TO THIS POLICY WERE APPROVED BY THE BOARD DURING THEIR MEETING ON DECEMBER 16, 2015 (DESCRIBED ON SCHEDULE O, PAGE 2, WITH REFERENCE TO FORM 990, PART VI, LINE 4).
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, PART VI, LINE 11B THE FORM 990 WAS REVIEWED BY SENIOR MANAGEMENT AT VARIOUS STEPS THROUGHOUT THE PREPARATION CYCLE. THE FOUNDATION BOARD REVIEWED THE FINAL VERSION ON SEPTEMBER 27, 2016.
FORM 990, PART VI EMPLOYMENT RULES AND POLICIES THE FOUNDATION DOES NOT HAVE ANY EMPLOYEES. ALL SERVICES ARE PROVIDED BY EMPLOYEES OF FINRA. THE FOUNDATION DOES NOT PAY FOR THEIR SERVICES. AS SUCH, THOSE INDIVIDUALS ARE SUBJECT TO THE EMPLOYMENT RULES AND POLICIES OF FINRA. FORM 990, PART VI, LINE 12C THE FINRA INVESTOR EDUCATION FOUNDATION HAS A WRITTEN CONFLICT OF INTEREST POLICY THAT GOVERNS THE PROFESSIONAL AND ETHICAL CONDUCT OF BOARD MEMBERS, OFFICERS AND STAFF. AMONG OTHER THINGS, MEMBERS, OFFICERS, AND STAFF ARE PROHIBITED FROM DERIVING ANY PERSONAL PROFIT OR GAIN, DIRECTLY OR INDIRECTLY, BY REASON OF THEIR SERVICE TO THE FOUNDATION. MOREOVER, THE POLICY EXPRESSLY PROHIBITS SELF-DEALING. THE WRITTEN CONFLICT OF INTEREST POLICY REQUIRES BOARD MEMBERS AND OFFICERS TO MAKE INITIAL DISCLOSURE OF INTERESTS THAT COULD GIVE RISE TO CONFLICTS AS WELL AS ANNUAL DISCLOSURE BY THE SAME BOARD MEMBERS AND OFFICERS. ADDITIONALLY, THE WRITTEN POLICY CONTAINS AN ONGOING OBLIGATION OF BOARD MEMBERS, OFFICERS AND STAFF TO DISCLOSE POTENTIAL CONFLICTS OF INTEREST AS THEY ARISE. THE ORGANIZATION'S OFFICERS AND STAFF ARE EMPLOYEES OF FINRA, AND, AS SUCH, ARE ALSO REQUIRED TO CERTIFY ANNUALLY AS TO THEIR COMPLIANCE WITH FINRA'S WRITTEN CONFLICT OF INTEREST POLICY. FOR FURTHER INFORMATION REGARDING FINRA'S WRITTEN CONFLICT OF INTEREST POLICY, PLEASE REFER TO THE 2015 RETURN OF ORGANIZATION EXEMPT FROM INCOME TAX - FORM 990 FOR THE FOUNDATION'S PARENT ORGANIZATION, THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC.
FORM 990, PART VI, LINES 15A AND 15B THE FOUNDATION DOES NOT HAVE ANY EMPLOYEES. ALL SERVICES ARE PROVIDED BY EMPLOYEES OF FINRA. THE FOUNDATION DOES NOT COMPENSATE THESE EMPLOYEES OF FINRA FOR THEIR SERVICE. THE PRESIDENT OF THE FOUNDATION SERVES AS THE LEAD OFFICER DIRECTING THE ACTIVITIES OF THE ORGANIZATION. IN DETERMINING SPECIFIC SALARY AND INCENTIVE COMPENSATION LEVELS FOR OFFICERS AND KEY EMPLOYEES OF FINRA, FINRA MANAGEMENT AND THE MANAGEMENT COMPENSATION COMMITTEE (THE "COMMITTEE") OF THE FINRA BOARD OF GOVERNORS CONSIDER: 1) OPERATONAL RESULTS 2) STRATEGIC INITIATIVES 3) FINANCIAL HEALTH/RESULTS 4) INDIVIDUAL PERFORMANCE 5) COMPETITIVE COMPENSATION LEVELS AS PREPARED BY MERCER, INC., A THIRD-PARTY COMPENSATION CONSULTANT. THE COMMITTEE'S MINUTES OF THE JANUARY 29, 2015 AND FEBRUARY 11, 2015 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 2014 INCENTIVE COMPENSATION OF THE CEO AT ITS MEETING ON FEBRUARY 11, 2015. ALL COMPENSATION COMMITTEE MEMBERS VOTED FOR THE PROPOSED LEVEL OF EXECUTIVE COMPENSATION. FOR FURTHER INFORMATION REGARDING THE COMPENSATION OF OFFICERS, PLEASE REFER TO THE 2015 RETURN OF ORGANIZATION EXEMPT FROM INCOME TAX - FORM 990 FOR THE FOUNDATION'S PARENT ORGANIZATION, THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC.
FORM 990, PART VI, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS AND AUDITED FINANCIAL STATEMENTS AVAILABLE UPON REQUEST.
FORM 990, PART VII, SECTION B GMMB, INC. - PROVIDED STRATEGIC COUNSEL, PUBLIC RELATIONS CONSULTING, EARNED MEDIA ASSISTANCE, AND CRITICAL STAFFING SUPPORT FOR PROJECT OUTREACH, IN ADDITION TO PLACING AND MANAGING PAID ADVERTISING CAMPAIGNS. HOUGHTON MIFFLIN - PROVIDED BROADCAST, PRINT, MARKETING AND WEB SERVICES 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 & CONSULTING - PROVIDES RESEARCH SERVICES FOR THE NATIONAL CAPABILITY STUDY.
FORM 990, PART 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.
SCHEDULE I, PART I GRANTS AND OTHER ASSISTANCE PURPOSE OF GRANT OR ASSISTANCE BOONE COUNTY PUBLIC LIBRARY, BURLINGTON, KY (61-0673886) SMART INVESTING@YOUR LIBRARY UNDER THE RUBRIC "EARN-SAVE-SPEND," BOONE COUNTY PUBLIC LIBRARY AND A LEADING SOCIAL SERVICES AGENCY IN THE COUNTY (THE BRIGHTON CENTER) WILL PROVIDE IN-DEPTH LEARNING EXPERIENCES FOR FAMILIES, EDUCATORS AND OLDER ADULTS (AGES 65+). THE PROJECT WILL CHALLENGE FAMILIES TO EVALUATE THEIR FINANCIAL HEALTH AND TAKE STEPS TO MAKE TANGIBLE IMPROVEMENTS. CHICAGO PUBLIC LIBRARY, CHICAGO, IL (36-3480353) SMART INVESTING@YOUR LIBRARY THE CHICAGO PUBLIC LIBRARY WILL COLLABORATE WITH THE CITYS OFFICE OF FINANCIAL INCLUSION TO IMPROVE ACCESS TO FINANCIAL EDUCATION AND ONLINE FINANCIAL SKILL-BUILDING FOR LOCAL COMMUNITIES IN NEED, ESPECIALLY UNBANKED RESIDENTS AND NEW IMMIGRANT POPULATIONS. AS A MAJOR COMPONENT OF THIS EFFORT, THE LIBRARY WILL TRAIN AND DEPUTIZE ITS CORPS OF "CYBERNAVIGATORS" TO PROVIDE ON-DEMAND ASSISTANCE TO LIBRARY PATRONS SEEKING ACCESS TO RELIABLE FINANCIAL INFORMATION. THE CYBERNAVIGATORS ARE AN EXISTING GROUP OF TECHNOLOGY EXPERTS PRESENT IN MOST OF THE LIBRARYS 80 LOCATIONS. THEY WORK DIRECTLY WITH PATRONS TO IMPROVE BASIC DIGITAL SKILLS AND EXPAND ACCESS TO DIGITAL INFORMATION. CLAYTON COUNTY LIBRARY SYSTEM, JONESBORO, GA (58-2516726) SMART INVESTING@YOUR LIBRARY CLAYTON COUNTY LIBRARY SYSTEM WILL PROVIDE FINANCIAL EDUCATION EXPERIENCES TAILORED TO THE NEEDS OF FOUR AUDIENCES-ENTREPRENEURS, FINANCIALLY DISENFRANCHISED FAMILIES, SENIOR CITIZENS AND YOUTH. THE PROJECT WILL ENHANCE THEIR PROSPECTS FOR SELF-SUFFICIENCY THROUGH FINANCIAL LITERACY TRAINING, PROVIDE THE FUNDAMENTALS FOR ECONOMIC DECISION-MAKING AND CONNECT THEM TO COMMUNITY RESOURCES. FOR ENTREPRENEURS, THE LIBRARY WILL JOIN FORCES WITH CLAYTON STATE UNIVERSITYS SMALL BUSINESS DEVELOPMENT CENTER AND THE COUNTYS ECONOMIC DEVELOPMENT DEPARTMENT TO DELIVER AN INVESTING 101 SERIES. FOR FINANCIALLY DISENFRANCHISED FAMILIES, THE LIBRARY WILL PARTNER WITH SOCIAL SERVICE AGENCIES AND FAITH-BASED ORGANIZATIONS TO PROVIDE MONEY MANAGEMENT GUIDANCE. FOR SENIOR CITIZENS, THE LIBRARY AND DEPARTMENT OF SENIOR SERVICES WILL PROVIDE SESSIONS AT SENIOR CENTERS ON ESTATE PLANNING, SAVVY INVESTING AND MANAGING RETIREMENT INCOME. FOR YOUTH, THE LIBRARY WILL WORK WITH 4-H, SCOUT GROUPS AND THE PARKS AND RECREATION DEPARTMENT TO INTEGRATE FINANCIAL LITERACY LESSONS INTO THE COUNTYS SUMMER READING PROGRAM. COLORADO LIBRARY CONSORTIUM, CENTENNIAL, CO (84-0691967) SMART INVESTING@YOUR LIBRARY THE COLORADO LIBRARY CONSORTIUM, THE ESTES VALLEY LIBRARY, AND THE COLORADO STATE LIBRARY WILL CONVENE A NETWORK OF SMALL AND MEDIUM-SIZE LIBRARIES TO HELP RESIDENTS SET FINANCIAL GOALS, ESTABLISH A PLAN FOR REACHING THESE GOALS, UNDERSTAND INVESTMENT CONCEPTS AND COMMON INVESTMENT TYPES, SAVE FOR RETIREMENT, AND MANAGE MONEY IN RETIREMENT. THIS WILL BE ACCOMPLISHED THROUGH TRAINING FOR LIBRARY STAFF AND DIRECT DELIVERY OF FINANCIAL CAPABILITY PROGRAMS AND SERVICES TO THE PUBLIC. CLARIFI (CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY) PHILADELPHIA, PA (23-1671903) FINANCIAL EDUCATION IN YOUR COMMUNITY CLARIFI WILL PARTNER WITH HOME CARE ASSOCIATES, A WORKER-OWNED HOME HEALTHCARE AGENCY, TO INTEGRATE FINANCIAL EDUCATION, COACHING AND RELATED SERVICES INTO EXISTING EMPLOYEE TRAINING AND STAFF SUPPORT SERVICES FOR LOWER-WAGE EMPLOYEES. SALT LAKE COUNTY LIBRARY SERVICES, WEST JORDAN, UT (87-0467902) SMART INVESTING@YOUR LIBRARY SALT LAKE COUNTY LIBRARY AND THE ENGLISH SKILLS LEARNING CENTER WILL COORDINATE BASIC FINANCIAL EDUCATION FOR RECENT REFUGEES AND IMMIGRANT FAMILIES WHO HAVE LOW INCOME AND LIMITED LITERACY SKILLS (EVEN IN THEIR OWN LANGUAGES). THE PROGRAM WILL INTEGRATE FINANCIAL INSTRUCTION INTO WELL ESTABLISHED SERVICES FOR THE TARGET AUDIENCE, AND WILL INCREASE PARTICIPANTS SKILLS RELATED TO THE U.S. BANKING SYSTEM, BUDGETING, CREDIT PRODUCTS AND FINANCIAL PLANNING. THE LOCAL REFUGEE AND IMMIGRANT POPULATION ARRIVES IN SALT LAKE COUNTY PRIMARILY FROM BURMA, IRAQ, BHUTAN, SOMALIA, ERITREA, AFGHANISTAN AND THE CONGO. THE PROJECT PARTNERS WILL HELP THESE COMMUNITIES: (1) MASTER THE VOCABULARY AND UNDERSTANDING TO CONDUCT BANKING TRANSACTIONS, CREATE A BUDGET, RECOGNIZE PREDATORY LENDING PRACTICES AND AVOID FRAUD; AND (2) COMPREHEND ASSET-BUILDING STRATEGIES AND PLAN FOR THE FUTURE. FULTON-MONTGOMERY COMMUNITY COLLEGE LIBRARY, JOHNSTOWN, NY (14-1584150) SMART INVESTING@YOUR LIBRARY EVANS LIBRARY AT FULTON-MONTGOMERY COMMUNITY COLLEGE WILL SERVE STUDENTS ENROLLED AT THE COLLEGE AND AT HIGH SCHOOLS IN THE MOHAWK VALLEY REGION OF UPSTATE NEW YORK WITH PROGRAMMING ABOUT COLLEGE FINANCING AND GENERAL FINANCIAL LITERACY. LEARNING WILL TAKE THE FORM OF WORKSHOPS, TUTORIALS AND WEB-BASED INSTRUCTION. FACULTY IN THE COLLEGES BUSINESS DIVISION AND STAFF FROM THE FINANCIAL AID OFFICE WILL PROVIDE OVERALL INSTRUCTIONAL LEADERSHIP FOR THE PROJECT. AMONG OTHER TOPICS, PROGRAMS WILL ADDRESS: BUDGETING; CREDIT CARD EDUCATION; THE IMPORTANCE OF BANKING RELATIONSHIPS; THE FINANCIAL AID PROCESS AND FAFSA FILING; MANAGING STUDENT LOAN DEBT; CHOICE OF COLLEGE MAJOR AND LIFETIME EARNING POTENTIAL; WISE USE OF THE FINANCIAL AID REFUND; FITTING COLLEGE COSTS INTO THE FAMILY BUDGET; AND BENEFITS AVAILABLE THROUGH THE GI BILL. EDWIN A. BEMIS PUBLIC LIBRARY, LITTLETON, CO (84-6043543) SMART INVESTING@YOUR LIBRARY THE LITTLETON IMMIGRANT RESOURCES CENTER, A DIVISION OF THE EDWIN A. BEMIS PUBLIC LIBRARY, WILL PROVIDE RECENT IMMIGRANT FAMILIES RESIDING IN THE SOUTH DENVER METROPOLITAN AREA WITH SUPPORT AND INSTRUCTION ON HOW TO MANAGE MONEY IN THEIR NEWLY ADOPTED COUNTRY. THE PROGRAM WILL COMBINE STRUCTURED FINANCIAL LITERACY CLASSES WITH INDIVIDUALIZED MENTORING. THE CLASSROOM MODULES WILL COVER BUDGETING 101, CREDIT FUNDAMENTALS AND UNDERSTANDING THE U.S. BANKING SYSTEM. LEARNING OPPORTUNITIES WILL BE INTEGRATED INTO THE LIBRARYS ESL FOR FINANCIAL SUCCESS PROGRAM AND OTHER CITIZENSHIP SERVICES. THE LIBRARY WILL UPDATE ITS TRADITIONAL ESL CURRICULUM TO FOCUS ON FINANCIAL TERMINOLOGY AND THE LANGUAGE CAPABILITIES NEEDED TO NAVIGATE FINANCIAL DECISIONS AND TRANSACTIONS. ALBUQUERQUE BERNALILLO COUNTY LIBRARY, ALBUQUERQUE, NM (23-7024173) SMART INVESTING@YOUR LIBRARY ALBUQUERQUE BERNALILLO COUNTY LIBRARY WILL COLLABORATE SCHOOLS AND A STATEWIDE, NONPROFIT SMALL BUSINESS DEVELOPMENT AND TRAINING ORGANIZATION TO DELIVER FINANCIAL EDUCATION FOR TEENS. LEARNING ACTIVITIES WILL TAKE PLACE AT LIBRARY LOCATIONS THROUGHOUT THE COUNTY AND SCHOOLS. PROGRAM MODULES WILL ADDRESS: MANAGING YOUR MONEY; PLANNING YOUR FUTURE; MAKING YOUR MONEY GROW; AND PROTECTING WHAT YOU HAVE. APPALACHIAN REGIONAL LIBRARY SYSTEM, WEST JEFFERSON, NC (53-1386281) SMART INVESTING@YOUR LIBRARY IN PARTNERSHIP WITH COMMUNITY AGENCIES AND EDUCATIONAL INSTITUTIONS, APPALACHIAN REGIONAL LIBRARY SYSTEM WILL PROVIDE FINANCIAL CAPABILITY PROGRAMMING FOR WOMEN ACROSS THREE GENERATIONS. FOR YOUNG ADULTS IN HIGH SCHOOL AND COLLEGE, PROGRAMMING WILL FOCUS ON FINANCING EDUCATIONAL COSTS, BASIC BUDGETING, SAVING FOR MAJOR PURCHASES AND AN INTRODUCTION TO INVESTING. FOR WOMEN IN MIDLIFE AND NEARING OR IN RETIREMENT, PROGRAMS WILL HELP PARTICIPANTS PREPARE FOR THEIR CHILDRENS EDUCATION EXPENSES, MANAGE HOUSEHOLD BUDGETS, RECOVER FROM FINANCIAL SETBACKS AND STICK TO A RETIREMENT SAVING AND INVESTING PLAN WHILE CARING FOR AGING PARENTS. ADDITIONAL SESSIONS FOR SENIORS WILL HELP PARTICIPANTS MANAGE RETIREMENT INCOME, AVOID FINANCIAL FRAUD AND UNDERSTAND ESTATE PLANNING. CHESTERFIELD COUNTY PUBLIC LIBRARY, CHESTERFIELD, VA (52-1245254) SMART INVESTING@YOUR LIBRARY CHESTERFIELD COUNTY PUBLIC LIBRARY WILL FOCUS ON THE INTERGENERATIONAL TRANSFER OF FINANCIAL LEARNING, WHILE IMPROVING PARTICIPANTS' FACILITY WITH THE MATHEMATICS OF MONEY. THE PROJECT WILL GIVE SPECIAL ATTENTION TO GRANDCHILDREN AND THE GRANDPARENTS WHO HAVE AN INFLUENTIAL OR PRIMARY ROLE IN RAISING THEM. THE LIBRARY-IN PARTNERSHIP WITH THE COUNTY OFFICE OF THE SENIOR ADVOCATE, THE FEDERAL RESERVE BANK OF RICHMOND AND THE CHESTERFIELD COUNTY PUBLIC SCHOOLS-WILL SEEK TO EQUIP THESE "GRANDFAMILIES" WITH FINANCIAL LITERACY SKILLS NECESSARY TO ADDRESS IMMEDIATE NEEDS AND LONGER-TERM WELLBEING. FOR THE BROADER COMMUNITY, THE LIBRARY AND ITS PARTNERS WILL DELIVER A SERIES OF MINI-WORKSHOPS ON: DEVELOPING A FINANCIAL PLAN AND SETTING GOALS; REDUCING DEBT; AVOIDING FRAUD AND IDENTITY THEFT; INVESTING FUNDAMENTALS; SAVING AND PAYING FOR COLLEGE; RETIREMENT PLANNING; AND MANAGING HEALTHCARE COSTS, AMONG OTHER TOPICS. HAWAII STATE PUBLIC LIBRARY SYSTEM, HONOLULU, HI (99-6003670) SMART INVESTING@YOUR LIBRARY THE HAWAII STATE PUBLIC LIBRARY SYSTEM WILL UNDERTAKE KEIKA TO KAPUNA (LITERALLY, CHILDREN TO GRANDPARENTS)- A MULTIGENERATIONAL FINANCIAL LITERACY INITIATIVE USING PERFORMANCE, COMPETITIONS, ONLINE ENGAGEMENT AND WORKSHOPS TO IMPROVE RESIDENTS FINANCIAL SKILLS. FOR STUDENTS IN GRADES K THROUGH 6, THE LIBRARY WILL PARTNER WITH THE NATIONAL THEATRE FOR CHILDREN TO DELIVER DR
FORM 990, PART VI, LINE 4 BYLAW CHANGES DURING ITS DECEMBER 16, 2015 MEETING, THE FOUNDATION BOARD APPROVED CHANGES TO THE FOUNDATION'S CERTIFICATE OF INCORPORATION TO: (A) VEST THE SOLE MEMBER WITH THE AUTHORITY TO AMEND THE BYLAWS (DESCRIBED ON FORM 990, SCHEDULE O, PAGE 2, WITH REFERENCE TO FORM 990, PART VI, LINE 7B); (B) REMOVE THE MULTI-TIERED FUNDING APPROVAL STRUCTURE (DESCRIBED ON FORM 990, SCHEDULE 0, PAGE 2, WITH REFERENCE TO FORM 990, PART VI, LINE 1A); (C) CLARIFY PROVISIONS RELATING TO TERM LIMITS; AND (D) UPDATE THE REGISTERED AGENT. THE SOLE MEMBER, FINRA, SUBSEQUENTLY AMENDED THE FOUNDATION'S BYLAWS TO: (1) UPDATE DEFINITIONS OF PUBLIC AND NON-PUBLIC DIRECTORS; (2) RESTATE THE COMPOSITION AND CLASSES OF BOARD MEMBERSHIP; (3) ELIMINATE THE APPROVAL PROCESS FOR CERTAIN FUNDING REQUESTS OF $25,000 OR LESS (DESCRIBED ON FORM 990, SCHEDULE O, PAGE 2, WITH REFERENCE TO FORM 990, PART VI, LINE 1A); AND (4) STATE THAT THE AUTHORITY TO AMEND THE BYLAWS (DESCRIBED ON FORM 990, SCHEDULE O, PAGE 2, WITH REFERENCE TO FORM 990, PART VI, LINE 7B) IS VESTED WITH THE SOLE MEMBER.
For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.
Cat. No. 51056K
Schedule O (Form 990 or 990-EZ) 2015


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SCHEDULE R
(Form 990)
Department of the Treasury
Internal Revenue Service
Related Organizations and Unrelated Partnerships
MediumBulletComplete if the organization answered "Yes" on Form 990, Part IV, line 33, 34, 35b, 36, or 37.
MediumBulletAttach to Form 990.
MediumBullet Information about Schedule R (Form 990) and its instructions is at www.irs.gov/form990.

OMB No. 1545-0047
2015
Open to Public Inspection
Name of the organization
FINRA INVESTOR EDUCATION FOUNDATION
 
Employer identification number

20-0863779
Part I
Identification of Disregarded Entities Complete if the organization answered "Yes" on Form 990, Part IV, line 33.
(a)
Name, address, and EIN (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" on Form 990, Part IV, line 34 because it had one or more related tax-exempt organizations during the tax year.
(a)
Name, address, and EIN of related organization


(b)
Primary activity


 		(c)
Legal domicile (state
or foreign country)

 		(d)
Exempt Code section


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

 		(f)
Direct controlling
entity

 		(g)
Section 512(b)(13) controlled 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
 
 
No
(3)FINRA DISPUTE RESOLUTION INC
1735 K STREET NW

WASHINGTON,DC20006
52-2187577 		ARBITRATION DE 501(C)(6) N/A FINRA
 
 
No








For Paperwork Reduction Act Notice, see the Instructions for Form 990.
Cat. No. 50135Y
Schedule R (Form 990) 2015
Schedule R (Form 990) 2015
Page 2
Part III
Identification of Related Organizations Taxable as a Partnership Complete if the organization answered "Yes" on Form 990, Part IV, line 34 because it had one or more related organizations treated as a partnership during the tax year.
(a)
Name, address, and EIN of
related organization



 		(b)
Primary activity




 		(c)
Legal
domicile
(state or foreign
country)


 		(d)
Direct controlling
entity



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

(f)
Share of total income




 		(g)
Share of end-of-year
assets



 		(h)
Disproprtionate allocations?




 		(i)
Code V-UBI
amount in box 20 of
Schedule K-1
(Form 1065)
 		(j)
General or
managing
partner?



 		(k)
Percentage
ownership
Yes No Yes No












Part IV
Identification of Related Organizations Taxable as a Corporation or Trust Complete if the organization answered "Yes" on Form 990, Part IV, line 34 because it had one or more related organizations treated as a corporation or trust during the tax year.
(a)
Name, address, and EIN of
related organization
 		(b)
Primary activity
 		(c)
Legal
domicile
(state or foreign
country)
 		(d)
Direct controlling
entity
 		(e)
Type of entity
(C corp, S corp,
or trust) 		(f)
Share of total income
 		(g)
Share of end-of-year
assets
 		(h)
Percentage
ownership
 		(i)
Section 512(b)(13) controlled entity?
Yes No












Schedule R (Form 990) 2015
Schedule R (Form 990) 2015
Page 3
Part V
Transactions With Related Organizations Complete if the organization answered "Yes" on 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
No
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 .....................
1a
 
No
b Gift, grant, or capital contribution to related organization(s) ............................
1b
 
No
c Gift, grant, or capital contribution from related organization(s) ............................
1c
Yes
 
d Loans or loan guarantees to or for related organization(s) ............................
1d
 
No
e Loans or loan guarantees by related organization(s) ............................
1e
 
No
f Dividends from related organization(s) ............................
1f
 
 
g Sale of assets to related organization(s) ............................
1g
 
No
h Purchase of assets from related organization(s) ............................
1h
 
No
i Exchange of assets with related organization(s) ............................
1i
 
No
j Lease of facilities, equipment, or other assets to related organization(s) .......................
1j
 
No
k Lease of facilities, equipment, or other assets from related organization(s) ......................
1k
 
No
l Performance of services or membership or fundraising solicitations for related organization(s) .....................
1l
 
No
m Performance of services or membership or fundraising solicitations by related organization(s) .................
1m
 
No
n Sharing of facilities, equipment, mailing lists, or other assets with related organization(s) ...................
1n
Yes
 
o Sharing of paid employees with related organization(s) ............................
1o
Yes
 
p Reimbursement paid to related organization(s) for expenses ............................
1p
Yes
 
q Reimbursement paid by related organization(s) for expenses ............................
1q
 
No
r Other transfer of cash or property to related organization(s) ............................
1r
 
No
s Other transfer of cash or property from related organization(s) ............................
1s
Yes
 
2
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 related organization 		(b)
Transaction
type (a-s) 		(c)
Amount involved 		(d)
Method of determining amount involved





Schedule R (Form 990) 2015
Schedule R (Form 990) 2015
Page 4
Part VI
Unrelated Organizations Taxable as a Partnership Complete if the organization answered "Yes" on Form 990, Part IV, line 37.
Provide the following information for each entity taxed as a partnership through which the organization conducted more than five percent of its activities (measured by total assets or gross revenue) that was not a related organization. See instructions regarding exclusion for certain investment partnerships.
(a)
Name, address, and EIN of entity 		(b)
Primary activity 		(c)
Legal domicile
(state or foreign
country) 		(d)
Predominant income (related, unrelated, excluded from tax under sections 512-514)

(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 V-UBI
amount in box 20
of Schedule K-1
(Form 1065) 		(j)
General or
managing
partner? 		(k)
Percentage
ownership
Yes No Yes No Yes No






























Schedule R (Form 990) 2015
Schedule R (Form 990) 2015
Page 5
Part VII
Supplemental Information
Provide additional information for responses to questions on Schedule R (see instructions).
Return Reference Explanation
Schedule R (Form 990) 2015

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