Financial Education Series: sefcu
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Learn to Earn
Financial Education Series:
Learn to Earn
Does Money Grow on Trees? how to spend, share, and save money.
Recommended for ages 5-8 Following reading and discussion,
children will create their own save jar
Learners engage in carnival-themed
that they will keep to use for their own
activities to practice earning, spending
established financial goal.
money, saving, and sharing or
giving money. Youth earn money Planning, Saving, Sharing
buy answering math and calendar 1 hour
questions, doing simple physical tasks,
or expressing kindness to one another.
Learners use money earned to make The Money Cycle
spending decisions by prioritizing Recommended for ages 7-10
needs and wants, alongside saving and
Learners will participate in a simulated
sharing.
community to understand the money
Planning, Saving, Sharing cycle. They will role-play as local
1 hour business or charitable organization
owners and spenders, and they will be
Joe the Monkey Saves for asked to make financial decisions on
a Goal what to spend or save based on their
Recommended for ages 5-8 wants and needs.
Using the book, Joe the Monkey Planning, Budgeting, Saving
Saves for a Goal, by John Lanza, 1.5 hours
participants will make decisions about
Making Financial Decisions
Recommended for ages 9-12
Learners are introduced to basic financial decisions, using the innovative
technology of Apple® iPads® and robots in a challenged-based learning model.
They will balance needs and wants, plan for a goal, and make collaborative
decisions with peers while working with a budget. Three 90-minute sessions
(Change Your World, Feed Your World, and Create Your World) brand this inventive
series, and can be experienced singularly or in succession to expand upon
concepts and deepen discussions.
Planning, Budgeting, Saving, Sharing
1.5 hoursGrowing Your Grit: Strengthening how investing in their own personal human
Your Talents to Create a Positive capital can increase the likelihood of career
success. They will learn ways to invest in
Social Impact
their human capital – including completing
Learn to Earn
Recommended for ages 9-12
high school, pursuing post-secondary
Learners will create art to explore their education or training, and acquiring skills.
feelings and ideas through self-discovery, Working in teams, participants will develop
and will be introduced to basic financial a creative presentation synthesizing their
decisions and philanthropy. Youth will self- knowledge of the targeted financial and
reflect to determine how they can share goal-setting concepts and skills.
their skills and talents to make positive
Planning, Budgeting, Saving
impact on their community, then use
1 or 2 sessions
technology to create a comic book that tells
3 hours
their story.
Planning, Budgeting, Saving, Sharing H.A.B.I.T.S. for Smart Consumer
SM
1.5 hours Spending
Recommended for ages 11-13
Heroes with Heart: Making
Learners will explore how to make informed
Financial Desicions to Create a consumer decisions through role-playing
Positive Social Impact exercises. They will learn to build positive
Recommended for ages 9-12 spending habits with real-world practice
Learners will create a heart map as they examples.
explore their own passions and drive to Planning, Budgeting, Saving
make a positive social impact. Youth will 1.5 hours
apply elements of math, art, and technology
to make informed financial decisions while My Car, My Future, My Money
following their passion. Youth will discuss Recommended for ages 11-13
tradeoffs and budgeting, and share ideas
and solutions for real-world challenges. Youth will work in teams to explore what
it takes to be an entrepreneur. They will
Planning, Budgeting, Saving, Sharing create their own business or product
1.5 hours concept and they will be introduced to
banking and terms associated with savings
Financial Well-Being: and checking accounts to support their
Goal Setting for a Bright Financial future financial choices. Participants will
Future complete a metaphoric visioning activity
Recommended for ages 10-13 where they will consider their future
FinancialWellBeing@sefcu.com
sefcu.com/FinancialEducation
direction by choosing the kind of car they
Participants will identify what it takes to
will drive and where it will take them.
become financially independent by setting
S.M.A.R.T.E.R. goals, creating a written Planning, Budgeting, Saving
(800) 727-3328 x4066
financial plan, and distinguishing between 1.5 hours
needs and wants. Participants will explore
The Institute for Financial Well-Being learning content and activities are aligned to the applicable K-12 educational learning
standards: The New York State Learning Standards: Career Development and Occupational Studies; The National Standards in
K-12 Personal Finance Education; and The Common Core Learning Standards; or the applicable adult learning standards: Institute
for Financial Literacy: National Standards for Adult Financial Literacy Education.
The Institute for Financial Well-Being's mission is to guide and encourage individuals to focus on achieving economic stability —
using innovative tools, making informed decisions, and encouraging positive habits.The Future is Now
Financial Capability:
The Future is Now
How Do I Pay for That? targeted financial and goal-setting
Understanding Checking concepts and skills.
Accounts, Credit Cards, Planning, Budgeting, Saving
and Cash 1 or 2 sessions
Recommended for ages 14-17 3 hours
By exploring the key differences
between wants and needs, learners will
discuss opportunity costs and trade-
My First Job:
offs. They will write personal checks Paycheck Basics
and record transactions in a check Recommended for ages 14-17
register and they will learn about the Participants will be exposed to key
key differences and appropriate uses of concepts about paychecks. They
debit cards, credit cards, and cash. will identify the differences between
Planning, Budgeting, Saving gross and net income, learn the kind
1.5 hours of information found on a pay stub,
payroll deductions, taxes, and payroll
forms such as the I-9, W-2, and W-4.
They will participate in a simulated
Financial Well-Being: Goal archaeological dig challenge to test
Setting for a Bright Financial their knowledge of content learned.
Future Planning, Budgeting, Saving
Recommended for ages 14-16 2 hours
Participants will identify what it takes
to become financially independent
by setting S.M.A.R.T.E.R. goals, Budgeting Basics:
creating a written financial plan, and Mad City Money™ Simulation
distinguishing between needs and Recommended for ages 15-18
wants. Participants will explore how
investing in their own personal human Learners will dynamically participate
capital can increase the likelihood of in the creation and implementation
career success. of a realistic budget through a
simulated experience. Learners will
They will learn ways to invest in their be assigned an occupation, income,
human capital – including completing and obligatory expenses before they
high school, pursuing post-secondary begin selecting expenses such as
education or training, and acquiring housing, transportation, entertainment,
skills. Working in teams, participants and other discretionary expenditures.
will develop a creative presentation During the activity, learners will keep
synthesizing their knowledge of the a record of all transactions using apersonal check register/debit register My Vehicle to Freedom: How
and spending plan. In the debriefing to Navigate an Auto Purchase
stage of this session, learners will discuss
Without Getting Lost
their personal experiences while in the
The Future is Now
Recommended for ages 16-18
simulation and apply acquired skills and
knowledge to create and enhance their Learners will apply a planned buying
own budgets. process to identify their needs and
wants in regard to making an informed
Planning, Budgeting, Saving, Investing
automobile purchase. They will compare
1.5 hours workshop version
earnings to vehicle cost and identify
3 hours for the full version with
guidelines for using debt responsibly.
local businesses and community
Learners will evaluate loan and insurance
representatives participating
terms, and the potential for fraud.
Planning, Budgeting, Saving, Investing,
Paying for Higher Education Debt
Recommended for ages 15-18 1.5 hours
Participants will explore the costs related
to funding higher education. Participants
will navigate the financial aid process
(FAFSA) and develop strategies to pay
for college by evaluating their current and
future financial means as compared to
their anticipated financial commitment.
They will be exposed to additional
financial resources that are available to
them. In addition, participants will gain a
better understanding of the hidden costs
of college. Parents or guardians of the
student who will be applying for financial
aid are strongly encouraged to attend.
Planning, Budgeting, Saving, Investing,
Debt
2 hours The Institute is the recipient of both the national and
statewide 2018 Desjardins Youth Financial Education
Award (more than $1 billion asset category).
FinancialWellBeing@sefcu.com
sefcu.com/FinancialEducation
(800) 727-3328 x4066
The Institute for Financial Well-Being learning content and activities are aligned to the applicable K-12 educational learning
standards: The New York State Learning Standards: Career Development and Occupational Studies; The National Standards in
K-12 Personal Finance Education; and The Common Core Learning Standards; or the applicable adult learning standards: Institute
for Financial Literacy: National Standards for Adult Financial Literacy Education.
The Institute for Financial Well-Being's mission is to guide and encourage individuals to focus on achieving economic stability —
using innovative tools, making informed decisions, and encouraging positive habits.Pursuing Economic Stability
Financial Wellness:
Pursuing Economic Stability
Budgeting Basics: How to decreasing liabilities. They will explore
Grow Your Dough with a different ways to build assets and
effective strategies for avoiding or
Personal Spending Plan
decreasing liabilities. They will develop
Recommended for ages 18+
a personal net worth statement and
Learners will review specific steps for recognize that their net worth will
developing a personal spending plan. fluctuate as the values of their assets
Participants will apply the 50-30-20 rule and liabilities change. Learners will
for determining fixed expenses, flexible experience the “Rule of 72” and apply it
spending, and financial goals. Learners to their own situations.
will explore the benefits of developing
Saving, Budgeting, Investing
a written spending plan, how to track
1.5 hours
income and expenses, and strategies
for record keeping through a scenario-
based applied learning approach. My Vehicle to Freedom: How
Planning, Budgeting, Saving
to Navigate an Auto Purchase
1.5 hours Process Without Getting Lost
Recommended for ages 18+
Understanding and Managing Learners will apply a planned buying
Credit process to identify their needs and
Recommended for ages 18+ wants in regard to making an informed
automobile purchase. They will
Financial decisions you make today compare earnings to vehicle cost
will greatly impact your future. When and identify guidelines for using debt
using credit you are spending your responsibly. Learners will evaluate loan
future income. This concept will be and insurance terms, and the potential
the backdrop of this session where for fraud.
learners will explore managing credit Planning, Budgeting, Investing, Debt
responsibly, how to obtain credit, and 1.5 hours
the meaning of credit scores and credit
reports.
Home Buying 101
Planning, Budgeting, Debt Recommended for ages 18+
1.5 hours
Learners will become familiar with
Making Money, Building Assets several elements of home buying,
Recommended for ages 18+ including the role of the realtor, home
inspector, loan officer, buyer and seller.
Participants will discover the in addition, learners will explore the
importance of building positive net broad impact a home purchase can
worth by increasing assets and have on personal finances, and willidentify financial preparation steps needed will leave the session with ten solutions for
for success. Tips related to the property, planning for long-term care.
the transaction, and the move, as well as
Planning, Investing
advantages/disadvantages of home-buying
1.5 hours
Pursuing Economic Stability
will also be covered.
Planning, Budgeting, Investing, Debt
1.5 hours Navigating Retirement with a GPS:
Growing, Protecting and Saving
Tackle Your Debt Your Funds for Retirement
Recommended for ages 18+ Recommended for ages 18+
Learners will develop an effective debt Planning for a secure financial future can
pay-down strategy. They will consider be overwhelming. In this introductory
appropriate debt levels, and reflect on session, participants will be exposed to
what is considered good debt and bad a variety of topics regarding growing,
debt. A basic budgeting framework is protecting, and saving funds for retirement.
also discussed as part of scoring a debt Common ways to prepare for retirement
reduction plan. are identified, along with an introduction
Planning, Budgeting, Debt to the basics of wills, trusts, and social
1.5 hours security earnings. This session provides a
foundation to understand the importance of
early planning for retirement, and is non-
Basics of Estate Planning advisory.
Recommended for ages 18+
A Certified Estate Planner will discuss the Planning, Savings, Investing
crucial information that will help learners 1.5 hours
understand how to create a well-informed
and stable financial plan for themselves Role Reversal: Your Aging Parent
and their loved ones. Learners will and You
recognize the basic components of a will, Recommended for ages 18+
power of attorney, probate, and healthcare
A certified long-term care specialist will
proxies.
discuss the challenges we face when we
Planning become responsible for aging parents.
1 or 2 sessions Participants will learn the steps to protect
2 hours the well-being of their family and how to
devise a plan to safeguard family assets.
Alternative Solutions to Learn about the various resources and
FinancialWellBeing@sefcu.com
Long- Term Care financial options available.
sefcu.com/FinancialEducation
Recommended for ages 40+ Planning
A Certified Long-Term Care Specialist 1.5 hours
and Certified Estate Planner will discuss
(800) 727-3328 x4066
what long-term health care is, where an
individual can obtain services, and explore
the different solutions to help protect
home and assets. With proper planning,
participants will learn ways to achieve
their goals, protect the well-being of their
family, safeguard their assets and maintain
control of health care choices. Learners will
have an opportunity to ask questions andFraud Prevention: Isolating withdrawal rates to use to draw down
Your Personal Information and on your money, and the implications
that a long-term care need may place
Side-Stepping Scams
Pursuing Economic Stability
on your retirement.
Recommended for ages 18+
Planning, Investing
Learners will identify ways to protect
themselves and their personal financial 1.5 hours
information from scam artists and
identity thieves. Learners will recognize Wealth Management Strategies:
the tactics used to steal an individual’s Turn the Money You Have into
identity, information, and money. They Money You Will Need* **
will practice resolving identity theft Recommended for ages 40+
issues and become familiar with the
steps it takes to report a scam. Participants will learn that financial
planning is a not a single event, but
Planning a process. Learners will be exposed
1.5 hours to the three phases of financial
planning: accumulating assets to
21st Century Retirement: have a comfortable retirement while
Strategies for Managing taking care of family, preserving assets
Retirement Income* during retirement to ensure they do not
Recommended for ages 40+ outlive their money, and distributing
assets to leave a legacy. High points
Participants will learn that the new will also include retirement savings
realities of the 21st century require us all plans, college savings plans, retirement
to think and prepare differently for what income planning, and estate planning
could be a 30-year retirement. The considerations.
workshop will demonstrate to learners
the challenges and risks to retirement Planning, Savings, Investing
income, strategies that seek to help 1.5 hours
you not outlive your assets, appropriate
sefcu.com/FinancialEducation
FinancialWellBeing@sefcu.com
(800) 727-3328 x4066
Not NCUA Insured Not Credit Union Guaranteed May Lose Value
Not Insured by Any Federal Government Agency Not a Credit Union Deposit
*Securities and Advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC.
Insurance products offered through LPL Financial or its licensed affiliates. SEFCU and SEFCU Wealth Management
Services are not registered broker/dealers and are not affiliated with LPL Financial.
**Prospectuses that contain details about the investment objectives, risks, charges, and expenses as well as other
important information about investing in mutual funds will be available at the seminar. You should carefully read and
consider this information before investing.
The Institute for Financial Well-Being learning content and activities are aligned to the applicable K-12 educational
learning standards: The New York State Learning Standards: Career Development and Occupational Studies; The
National Standards in K-12 Personal Finance Education; and The Common Core Learning Standards; or the applicable
adult learning standards: Institute for Financial Literacy: National Standards for Adult Financial Literacy Education.
The Institute for Financial Well-Being's mission is to guide and encourage individuals to focus on achieving economic
stability — using innovative tools, making informed decisions, and encouraging positive habits.You can also read
