2010 Annual Report. m o n e y s m artw I. o rg. Governor s Council on Financial Literacy

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1 2010 Annual Report Wisconsin m o n e y s m artw I. o rg Governor s Council on Financial Literacy

2 Cover: A Dodge County girl learns about the importance of saving money. What is Money Smart Week? Dear Friends: OCTOBER Money Smart Week helps people better manage their personal finances. It is a financial literacy campaign that delivers hundreds of educational programs, classes and activities to consumers of all ages and income levels. Financial institutions, non-profit groups, government agencies, schools and libraries work together to carry out these events. These can vary from a class on the basics of buying a home to a fair with booths staffed by organizations offering free financial education services. Launched in Chicago in 2002, Money Smart Weeks are now held in more than 50 small to large cities in Illinois, Indiana, Iowa, Michigan and Wisconsin. In addition, Money Smart Week continues to spread beyond the Midwest in places like Denver, Houston, Kansas City, Nebraska, Washington, Oregon, New Jersey and West Virginia. Bringing together a wide variety of partners to offer classes and programs on money management showcases available educational resources, strengthens private-public partnerships, engages the media and connects people with those who can help them learn. The Chicago Fed coordinates the effort because individuals, communities and the overall economy benefit when consumers are making well-informed decisions about their personal finances. Money Smart Week continues to grow and help people manage their personal finances. We are very proud of the partners efforts in making it such a success. Charles L. Evans, President & Chief Executive Officer, Federal Reserve Bank of Chicago Congratulations on an outstanding 2010 Money Smart Week Wisconsin! We have much to be proud of on our fifth anniversary. It is amazing that in five years nearly 50,000 Wisconsin citizens of all ages, from young students to retirees, have taken part and improved their personal finance skills. We now have 27 regional planning committees that organize an average of 600 events annually with over 2,800 volunteer partnering organizations statewide. I appreciate your work for financial education! Especially in light of the continuing challenging financial times, I urge you to continue your efforts. There is a strong need, and you are making a real difference. I hope this report energizes you as you plan for the next Money Smart Week. Your spirit of cooperation, unbelievable support, and positive attitude form the heart of the campaign. Your communities greatly benefit from your actions. I know we are all very grateful to the Federal Reserve Bank of Chicago for their outstanding support. It has been a pleasure to serve as your honorary chair for the past several years. I wish you continued success in the years to come. Thank you for your contribution to excellence in financial literacy! Sincerely, Jessica Doyle First Lady of Wisconsin Money Smart Week is a registered service mark of the Federal Reserve Bank of Chicago.

3 n The Fox Cities region hosted Susan Beacham, a nationally recognized expert on kids and money and founder of Money Savvy Generation, at an event at Appleton North High School that was attended by more than 100 consumers. n The University of Wisconsin at Green Bay hosted the Green Bay kick off with more than 125 students and community members in attendance. County Executive Tom Hinz was the honorary kick-off person. The Money Smart Kid contest winners were announced at the breakfast along with a keynote speech about the good, the bad and the ugly of credit cards by Mike De Grand, President of Harbor CU. 3 n Money Smart Week Wisconsin welcomed six new regions to the campaign in First-time participant Ozaukee County hosted over 40 events and reached nearly 200 consumers. Also participating for the first time were Dunn/St. Croix Area, Lac du Flambeau, Southwest Wisconsin Region, Polk County and Shawano County. 4 1 In Action Money Smart Week activities appeal to many different consumers with events throughout the state of Wisconsin at convenient times and locations and in several different languages. Money Smart partners continued to expand their subject offerings and reach new audiences in Almost 700 events were offered and reported attendees and participants exceeded 12, Saukville police provide Child Identity Kits at the Kick Off event. 2 Children participate in Winnebago s Big Read. 3 Kids learn to SAVE at the Big Read. 4 Alice Wood of Wealth Watchers speaks at event in Winnebago County. 5 Ozaukee Members and contest winners at their Kick Off event. 6 Document shredding at the Ozaukee Kick Off. 7 Dodge County kids learn the importance of financial planning. 8 Julie Cartwright of Fond du Lac dresses as a 100 Dollar Bill for the Big Read. 5 n s from the Fox Cities, Fond du Lac, Green Bay and Winnebago counties worked together to present The Big Read in 2010, dubbing it The Big Read Gets Bigger. Children received a free copy of the Little Critter book Just Saving My Money. The events included a story time, songs and other fun activities for kids. Nearly 500 parents and children participated in the event statewide. n Money Smart Week Sheboygan held their first ever financial makeover contest. Participants competed in a four month makeover challenge that included being paired with a certified financial counselor and attending classes on budgeting and credit to help increase their overall net worth. n Milwaukee is the first Money Smart Week city to set it up a My Money help line for consumers. During Money Smart Week, the hotline took calls from more than 750 consumers and helped nearly 500 of those reach an agency to assist with one of the following topics: homeownership, credit counseling, small businesses, foreclosure and/or energy assistance

4 1 Libraries promoted Money Smart Week with a Big Read flyer. 2 Money Smart Week Fox Cities helped local families through the Financial Makeover Challenge. 3 Kids pose with Ben Franklin at Fond du Lac Kick-Off Event. 4 Ozaukee County Kick Off event promotion. 5 Money Smart Week Sheboygan s print calendar. 6 Billboards across Wisconsin promoted Money Smart Week. 7 Fond du Lac promoted Money Smart Week through its library. 8 Sheboygan County hosted a Financial Makeover Challenge. 9 Susan Beacham taught parents how to raise Money Savvy Kids. 10 The Reporter promotes Alice Wood from Wealth Watchers. 11 Oshkosh Public Library promotes Alice Wood at Oshkosh North High School Local papers promoted Money Smart Week Promotion & Media Media played a big part in generating publicity for Money Smart Week and achieving greater public awareness of the importance of financial education. Newspaper, radio, television and the web covered stories by personal finance experts and featured specific programs and seminars to create interest and increase attendance at the events. A variety of promotional efforts and marketing strategies were also implemented. 9

5 2010 WISCONSIN PARTNERS 1st Wisconsin Wealth Management LLC 4 Square Home Inspections LLC AAII Madison Subgroup Abby Bank About Me Absolute Financial Access to Independence Inc AdviCoach Aegis Wealth Advisors LLC Aimees Graphics and More Albright Wealth Management AM Community Credit Union AmericaHomeKey Inc American Family Insurance AmeriCorps/VISTA AmeriCU Mortgage Amery Public Library AnchorBank Apple Blossom Books Apple Clinics Appleton Public Library Argyle Village Library Aspirus VNA Aspirus Wausau Hospital Asset Builders of America Inc Associated Bank Assured Mortgage Bakke Norman Law Offices Baldwin Woodville Community Education Baldwin-Woodville High School Bank First National Bank Mutual Barnes & Noble Books Beaver Dam Community Library Beaver Dam Senior Center Beckerman, Jesse Benton High School Benton State Bank Best Advantage Credit Union Best Way Driving School Bethel Baptist Church Blanchardville Public Library Blanke EA ChFC, Jean Ann Boyceville High School Boys and Girls Club Brainard Funeral Home Brandon Public Library Bremer Bank Brewer Public Library Bridge Lake Point Waunona Neighborhood Center Brown County Central Public Library Brown County Executive Brown County Kress Family Branch Public Library Brown County Library Brown County Library Southwest Branch Brown County University of Wisconsin Extension Business Developement/ Chamber of Commerce Butzin-Marchant Funeral Home Campbellsport Area Chamber of Commerce Campbellsport Public Library Capital Credit Union Catholic Charities Catholic Charities Budget Counseling CB Investment Services CBM Credit Education Foundation, Inc. Cedar Grove Library Cedar Home Health and Hospice Central Wisconsin Community Action Chippewa Housing Authority Chissy s Christ Child Academy Christian Faith Fellowship Church Christianson & Deja Funeral Home Cintas Corporation Citizens Bank Citizens First Credit Union City of Fond du Lac City of Fond du Lac Police Department City of Green Bay City of Madison City of Neenah City of Ripon Police Department City of Superior City of Wausau City of Wausau Community Development City Streets City-County Library Clare Bank Clear Lake Public Library Coalesce Inc Community Bank & Trust Community First Credit Union Community Foundation of North Central WI George L Geisler Fund Community Insurance Information Center Conceptual Financial Planning Inc Confidential Records Inc Connexus Credit Union Consumer Credit Counseling Service Coulee Bank Country Financial CoVantage Credit Union Crawford County Crawford County Human Services Crawford County Culver s CWCA Dane County Credit Union Dane County Darlington Johnson Public Library Darlington Senior Center DeForest Area Chamber of Commerce DeLisle, Derek Dempsey Law Firm Destination Faith Destiny Development Corporation Destiny Youth Plaza Digiprint Discover College Education Council of America Dodge County Dodge County Dodgeville Public Library Douglas County Douglas County Downtown Sheboygan Rotary Dresser Public Library Dunn County Sheriff's Dept Dunn Energy Cooperative Dynamix Eastern Shores Library System EconomicsWisconsin Edgewood College Educated Investor Eernisse Funeral Home Ella s Della Eric Von Schledorn (EVS) Express Employment Professionals Family 1st Financial Education and Resource Center Inc Family Enrichment Center Family Forum/Head Start Family Service Association Fantastic Sams Farmers & Merchants Union Bank Federal Reserve Bank of Chicago Festival Foods Feucht Financial Group LLC Financial Education Center Financial Educator Network Financial Information & Service Center (FISC) Consumer Credit Counseling (CCCS) Financial Literacy Council Financial Wellness of Portage County First American Credit Union First Bank Financial Centre First Banking Center First Financial Bank Centre First National Bank Fox Valley First Street Station First United Lutheran Church First Weber Group Fond du Lac Area United Way Fond du Lac County Fond du Lac County Economic Development Corp Fond du Lac County Fond du Lac Credit Union Fond du Lac Public Library Fond du Lac School District Fond du Lac Senior Center Fox Communities Credit Union Fox Valley Savings Bank Fox Valley Technical College Frank L Weyenberg Library of Mequon-Thiensville Friends of the Financial Education Center Friends of the Polk County Libraries Gaenslen Elementary School Germantown Community Library Germantown Senior Activity Center Get $mart Wausua Coalition Glacier Hills Credit Union Gloe, Ron Goodwill North Central WI Goodwill/FISC Governor s Council on Financial Literacy Grant County Great American Senior Benefits Great Lake Higher Education Guaranty Corp Great Lakes Inter-Tribal Council Inc Great Lakes Staffing and Training Great Lakes Training & Developement Corp Green Bay Area Chamber of Commerce Green Bay Area Partners in Education Green Bay Press-Gazette GreenPath Inc Greentree Glen Apartments Guaranty Bank Melinda Gustafson Gervasi, Attorney at Law H&R Block Harbor Credit Union Harmony Café Harris Bank Hartford Public Library Hartford Senior Center HC Denison Co Health Care Credit Union Heartland Credit Union Hillcrest School Home Depot Horace Mann Middle School Horicon Bank Hortonville Community Center Independence Financial LLC Indianhead Credit Union ING Financial Services Innovative Solutions for business LLC Internal Revenue Service Intun Chiropratic Care Investors Community Bank Iowa County Jackson Community Center Johnson Public Library Judy's Restaurant Juneau Public Library Junior Achievement of Wisconsin Brown County Kath, Alderman Julie Kaukauna Public Library Kemp, Jeff Kennedy Heights Community Center Kevin McKinley On Your Money Media LLC Kewaskum Public Library Kimberly Public Library Klein & Stangel Funeral Home Koeppl Law Offices S C Kohler Company Kohler Credit Union Kvindlog s La Causa Charter School La Causa Resource Center La Crosse County La Follette High School Lac du Flambeau Band of Lake Superior Chippewa Indians Lac du Flambeau Higher Education Dept Lac du Flambeau Indian Bowl Lafayette County Lafayette County Sheriff s Dept Lafayette County Treasurer Lafayette County Lafayette Development Corporation Lake Superior Elementary School Lakeland College Lakeshore Community Action Program of Wisconsin Inc Lakeshore Technical College Lakeshore Technical College Center for Entrepreneurship Lakeview Credit Union Lamar Outdoor Advertising Law Offices of Isabell M Mueller LE Phillips Memorial Public Library Lester Public Library Levy & Levy SC Lincoln Park Oribiletti Center Lone Rock Public Library Lowe s Store # 2308 Luck Public Library M&I Bank M&I Investment Management Corporation Madison Area Metropolitan School District Madison Gas & Electric Co Madison Metropolitan School District Madison Public Library Alicia Ashman Branch Madison Public Library Meadowridge Branch Madison Public Library Pinney Branch Make a Difference Wisconsin Manitowoc Public Library Marathon County Employees Credit Union Marathon County Marathon Savings Bank Marine Credit Union Marshall s Gas n Goods Marshfield Area United Way Marshfield Clinic Martinson, Bill Matt Wegner Financial Coaching Maxim Wealth Management McCoy Public Library McKenzie Financial Mead Public Library Memorial Hospital s Family Resource Center Menasha Public Library Menominee Business Center Menominee Casino Bingo Hotel Menominee Indian School District Menominee Tribal Clinic Wellness Nutrition Program Menominee Tribal Enterprises Menominee Tribal School Menomonie Public Library Metlife Midwest Advantage Insurance & Financial Services Milwaukee Public Library Capitol Street Branch

6 Milwaukee Public Library Tippecanoe Branch Milwaukee Public Library Washington Park Branch Milwaukee Public Library Zablocki Branch Miniature Precision Components Inc Dane County Planning Dodge County Planning Douglas County Planning Dunn/St Croix Counties Planning Eau Claire Area Planning Fond du Lac County Planning Fox Cities Area Planning Green Bay Planning Kenosha Area Planning La Crosse Area Planning Lac du Flambeau Area Planning Manitowoc County Planning Marshfield Area Planning Menominee County/Nation Planning Milwaukee Area Planning Northwest WI Planning Ozaukee County Planning Polk County Planning Rice Lake Area Planning Shawano County Planning Sheboygan County Planning Southwest WI Planning Spooner Area Planning Washington County Planning Wausau Area Planning Winnebago County Planning Moraine Park Technical College Mound City Bank Movin Out Inc Mueller Funeral Home Mueller Law Offices My Org Myrhum-Patten Funeral & Cremation Service National Bank of Commerce National Exchange Bank & Trust National Mutual Benefit National Mutual Benefit & Packerland Brokerage Services Neenah Public Library Neighborhood Housing Services of Richland County NeighborWorks Green Bay NEW Credit Union New England Financial New London Public Library New Richmond High School New York Life Insurance Company Next Financial Group NiiJii Capital Partners Inc North Fond du Lac Library North High School North Shore Bank Northcentral Technical College Northeast WI Technical College International Student Organization Northeast Wisconsin Technical College Northeast Wisconsin Technical College Shawano Regional Center Northern Lights Elementary School Northland Wisconsin Financial Wellness Northwest Wisconsin Community Services Agency Northwestern Mutual Financial Network Northwoods Community Credit Union Northwoods NiiJii Enterprise Community Inc Nurturing & Parenting Support Collaboration Oak Tree Financial ServicesLLC Oakfield Public Library O Connell Financial Services Office of the Wisconsin State Treasurer Oostburg Elementary School Oostburg Library Oostburg State Bank Operation Fresh Start Organizing Your Life the Easy Way Osceola Public Library Oshkosh Area Community Pantry Oshkosh Area United Way Oshkosh Community Foundation Oshkosh North High School Oshkosh Police Dept Oshkosh Public Library Oshkosh Senior Center Oshkosh United Way Our Lady of Guadalupe Parish Outagamie County University of Wisconsin Extension Ozaukee County Partners for Community Development LLC Peace Lutheran Church Pfeffer Funeral Home PFH Family Services Piggly Wiggly Oostburg Piggly Wiggly Plymouth Platteville Public Library Plymouth High School Plymouth Police Dept Plymouth School District Polk County Library Federation Polk County Port Abstract & Title Port Washington State Bank Prairie du Chien High School Prairie du Chien Memorial Library Prairie Oaks Apartments Premier Community Bank Premier Financial Credit Union Primerica Principal Financial Group Raabe, LUTCF, LTCP, Romeo Racine/Kenosha Nutrition Education Program Random Lake Lakeview Community Library Reinhart Partners Inc Renard Law Office Richland County Richland County Ripon Chamber of Commerce Ripon Police Dept Ripon Public Library River Valley Bank Rodriguez Accounting & Tax LLC Rose Bertram LLC Royal Credit Union Ruder & Ware Saether Funeral Home Sauk County Saukville Police Dept Savant Capital Management Inc Sawyer County University of Wisconsin Extension Schenck SC Schmidt & Schmidt SCORE Manitowoc Branch Second Look Inspection Service SEEK Careers/Staffing Inc Select Milwaukee Inc Shawano City-County Library Shawano Community Education Shawano Community Middle School Shawano County Dept of Social Services Shawano County Shawano Job Center Shawano Municipal Utilities Shawano School District Sheboygan and Plymouth Area United Way Sheboygan Area Credit Union Sheboygan Area School District Sheboygan County Chamber of Commerce Sheboygan County Detention Center Sheboygan County Economic Support Sheboygan County Health & Human Services Sheboygan County Private Schools Sheboygan Housing Authority Sheboygan Police Dept Shepherd Law Office Shoreline Credit Union Shullsburg Community Bank Shullsburg School District Shullsburg Senior Center SII Investments Inc Slinger Community Library Smith Center in the MARC Social Development Commission SOFA The Society for Financial Awareness Sommer s Automotive Southwest Library Spooner Ag Research Station Spooner Health System Nursing Home St Adalbert Parish St Josaphat School State Farm Insurance State Farm Insurance The Julie Bass Agency Stoughton Area Senior Center Straight Ahead to Independent Living (SAIL) Students in Free Enterprise (SIFE) University of Wisconsin-Green Bay Summit Credit Union Sun Prairie Public Library Superior Choice Credit Union Superior High School Superior Public Library Superior School District Superor Choice Credit Union TB Scott Free Library Terwilliger Law Firm The Burish UBS Wealth Management The Checkered Churn The Country Doctor The Entrepreneur's Source & AdviCoach The History Museum at the Castle The Long Term Care Guy The Sheboygan Sun The Sign Shop thinkmarriage.org Thrivent Financial for Lutherans Time Federal Savings Bank Trigs Food & Drugs Trinity Lutheran Church Tri-Par Gas station Twohig Funeral Home Uecker-Witt Funeral Home Union State Bank Unison Credit Union United Healthcare s Medicaid Division United Migrant Opportunity Services United Way of Kenosha County United Way of Polk County/United Way of St Croix Valley UnitedOne Credit Union Unity High School University of Wisconsin Fond du Lac University of Wisconsin Green Bay University of Wisconsin LaCrosse Small Business Development Center University of Wisconsin-Platteville Small Business Development Center University of Wisconsin Colleges University of Wisconsin Cooperative Extension University of Wisconsin Extension/Financial Education Center US Bank US Dept of Agriculture Rural Development US Dept of Agriculture Rural Housing US Postal Service Cascade USS Liberty Memorial Public Library UW Credit Union Valley Bookkeeping Service Valley Communities Credit Union Van De Kreeke & Associates SC Van Horn, Atty Tom Veritas Financial Services LLC Via Compass Vigil Trust Village of Belmont Village of Saukville Police Dept Vitense Golfland W J Niederkorn Library Waldo Cafe Waldo State Bank Washburn County Washington County Aging & Disability Resource Center Washington County Convention & Visitors Bureau Washington County University of Wisconsin Extension Waters, Renee Wautoma High School WEA Trust Member Benefits Wealth Watchers International Wellauer, Jennifer Wells Fargo Bank Wells Fargo Home Mortgage West Bend Community Memorial Library West Bend Senior Center Western Dairyland EOC Inc Western Technical College Weyenberg Library WHBY Whyte Hirschboeck & Dudek SC WI Benefits Planning WI Better Business Bureau WI Dept of Agriculture Trade & Consumer Protection Office of Privacy Protection WI Dept of Financial Institutions WI Dept of Health & Human Services Adult Protective Service WI Educational Communications Board WI Financial Group WI Housing & Economic Development Authority WI Indianhead Technical College Hayward WI Indianhead Technical College Spooner WI Indianhead Technical College Washburn County Learning Center WI Nutrition Education Program WI Public Service WI Women s Business Initiative Corp Wisconsin Jump$tart Coalition Wisconsin Department of Transportation Wigamig Owners Loan Fund Inc Winnebago County University of Wisconsin Extension Winneconne Public Libary Women s Fund for the Fox Valley Region Workforce Development Center W-O-W Workforce Development (Waukesha-Ozaukee-Washington) Wurtz Roth Basler & Brock SC Youth & Ag Center Zhoonyia Gikendasowin (Money Knowledge) Zimmermann Printing Zip Prints

7 Getting Involved Partner Guidelines Organizations with an interest in financial education are encouraged to become Money Smart Week partners. n Partners generally include banks, financial institutions, schools, government agencies and non-profit community organizations. n All workshops, seminars and activities must be educational in nature, designed to improve knowledge of personal finances, and free and open to the public. n Invitation-only events are acceptable for appropriate audiences. n Sales pitches and/or commercial marketing are strictly prohibited. n A designated representative should manage Money Smart Week activities and attend monthly planning meetings leading up to the event. n Information about scheduled events should be submitted as directed. For more information or questions, contact: Alejo Torres, Senior Outreach Program Manager, Federal Reserve Bank of Chicago, at , Alejo.Torres@chi.frb.org or David D. Mancl, Director of the Office of Financial Literacy, Wisconsin Department of Financial Institutions, at , david.mancl@wisconsin.gov m o n e y s m art W I. o rg Money Smart Week is a registered service mark of the Federal Reserve Bank of Chicago. Governor s Council on Financial Literacy State of Wisconsin