Conference Overview .....................................................................................................................................................................3

Conference Agenda ........................................................................................................................................................................4

Conferrence Layout......................................................................................................................................................................10

Attendee Registration .............................................................................................................................................................. 11

Hotel Information ....................................................................................................................................................................... 12

Travel Guide .................................................................................................................................................................................... 13

Frequently Asked Questions .................................................................................................................................................. 14

From the Executive Director

It is my pleasure to invite you to attend the 11th Annual Conference on Financial Education on April 13-15, 2016 at the Caribe Royale in Orlando, Florida. Over the past 11 years, the Annual Conference has become the premier gathering for financial education professionals to showcase their success stories, network with peers, develop organizational partnerships and hear from speakers willing to share their tips, techniques, and experiences for the benefit of our profession.

Through the Annual Conference we aim to provide attendees with practical, hands-on experiences so they can return home with relevant, actionable plans to improve their education efforts. Speakers will present topics which have real-world application for financial educators and which will help all of us address the challenges and shape the future of the financial education field.

The Annual Conference on Financial Education also provides an exciting opportunity for sponsoring organiza-tions to showcase their products and services to financial professionals from across the country.

In addition to our general sessions, the conference will offer three concurrent session tracks that will allow at-tendees the opportunity to customize their learning experience. These tracks will focus on behavioral economics, program design and development and outcome assessment.

As part of the conference festivities, the Institute will also be presenting the Excellence In Financial Literacy Edu-cation (EIFLE) Awards to individuals and organizations that have shown exceptional innovation, dedication and commitment to the field of financial literacy education.

I look forward to seeing you in Orlando. Should you have any questions, please don’t hesitate to contact my office at (207) 873-0068 or via email at Conference@FinancialLit.org.

Sincerely,

Rachel Gordon Executive Director Institute for Financial Literacy

Thursday, April 14, 201610th Annual EIFLE Awards 6:00 pm – 8:00 pm The EIFLE (Excellence In Financial Literacy Education™) Awards promote the effective delivery of consumer financial products, services and education by acknowledging the accomplishments of those that advance financial literacy education. The EIFLE Awards are presented each year at the Annual Conference on Financial

Education in the following categories:

Educator of the YearOrganization of the YearBook of the YearEducation Program of the YearPublished Research of the YearInstructional Game of the Year

Hotel AccommodationsRoom reservations should be made directly with the hotel. Reservations can be made by:

phone: (800) 823-8300web: https://bookings.ihotelier.com/bookings.jsp?groupID=1529481&hotelID=5636

Conference room rate: $169 single or double per night, plus tax. Space is limited. Reservations will be honored on a first-come, first-served basis. Tell the hotel you are with the Annual Conference on Financial Education, Institute for Financial Literacy to get the conference room rate!Discounted Rates are available for a short time, so don’t delay.

April 13–15, 2016Caribe royale orlando, Fl

Keynote Speaker: Mark Kantrowitz

Mark Kantrowitz is a nationally-recognized expert on student financial aid, scholarships and student loans. His mission is to deliver practical information, advice and tools to students and their families so they can make informed decisions about planning and paying for college.

Mark writes extensively about student financial aid policy. He has testified before Congress and federal/state agencies about student aid on several occasions.

Mark has been quoted in more than 5,000 newspaper and magazine articles in the last five years. He has written for the New York Times, Wall Street Journal, Washington Post, Reuters, Huffington Post, U.S. News & World Report, Money Magazine, Bottom Line/Personal, Forbes, Newsweek and Time Magazine. He was named a Money Hero by Money Magazine. He is the author of four

bestselling books about scholarships and financial aid, including Twisdoms about Paying for College, Filing the FAFSA and Secrets to Winning a Scholarship.

Mark serves on the editorial board of the Journal of Student Financial Aid and the editorial advisory board of Bottom Line/Personal (a Boardroom, Inc. publication). He is also a member of the board of trustees of the Center for Excellence in Education. Mark previously served as a member of the board of directors of the National Scholarship Providers Association.

The Annual Conference on Financial Education promotes the effective delivery of consumer

financial products, services and education by hosting a national event for professionals providing these services. The Conference is a showcase for financial education success stories, offering attendees proven strategies, tips and

techniques to achieve intended outcomes, funding goals and program sustainability.

ConferenceOverview

Page 4

Conference Agenda

Day 1Wednesday, April 13, 2016

Welcome Remarks 8:30am - 9:00am

General Session I: 9:00am-10:15am

Learning by doing beats sitting and listening: The Power of Experiential Learning!

Presenters: Mark Lynch

Participants will gain an understanding about experiential learning techniques and hear about three experiential learning programs - a Student Reality Simulation aimed at middle and high school students, a Retirement Simulation aimed at adults of all ages and a Poverty Simulation aimed at students and adults. In each program, participants learn by experiencing real life challenges through realistic exercises.

Break 10:20am - 10:35am

General Session II: 10:35am - 11:50am

Going Social: The Future of Financial Education

Presenters: Rod Griffin, Experian

An inside look at how and why Experian has aggressively incorporated social media into its overall public education program, the keys to its success, managing leadership expectations, avoiding potential pitfalls and managing risk.

Networking Lunch 11:50am - 1:00pm

General Session III: 1:05pm - 2:20pm

60 Sites in 60 Minutes: Librarian Approved Information Resources for Financial Educators and Clients

Presenters: Lauren Reiter

In 60 minutes, Lauren Reiter, Penn State University’s librarian specializing in finance, economics, risk management and financial literacy, will discuss 60 excellent resources for financial learning that are available freely online or via libraries that meet a picky librarian’s high standards for reliable, accurate, objective and useful information. Laura will provide quick tips on evaluating resources on your own.

Break 2:25pm - 2:40pm

About our Keynote: Gail

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Conference Agenda

Day 1(Continued)

General Session IV: 2:40pm - 3:55pm

What is “5s”?

Presenters: Jan Elsasser & Jessica Greenstein

The “5S” is a way of learning about how people feel about their financial situation and their relationship with money. Those at the top of this continuum feel that they have more than enough for themselves and their families. This “Surplus mindset” is not simply about having a “surplus” of assets, but is one in which financial wellbeing, joyful generosity, and gratitude come together. Thrivent’s goal is to help our members and society increase their financial wellbeing, move toward this mindset of surplus or abundance, and to facilitate ways for them to live their lives generously.

Sponsor Fair 4:00pm - 5:00pm

EIFLE Awards Dinner 6:00pm - 8:00pm

Day 2Thursday, April 14, 2016

Continental Breakfast 8:00am - 8:30am

Special Guest Remarks - Leslie Linfield 8:30am - 9:00am

Concurrent Session I: 9:00am - 10:15am

Outcome AssessmentFinancial Capabilities and Their Effects on Financial Behavior: Evidence from Mexico

Presenter: Juan Luis Ordaz

This session will discuss the effect of financial capabilities on certain financial behaviors related to formal savings and credit card utilization of the banked Mexican population, based on two research articles from a national survey. This session will also share the evidence of the effect of a financial education program on some financial indicators of the participants of the program, based on the results of an impact evaluation research.

Program Design and Development

Developing Youth Financial Capability

Presenter: Sunaena Chhatry & Leslie Jones

Adults who have high levels of financial well-being feel in control of their day-to-day and month-to-month finances. How do children become adults with high levels of financial well-being? In this session, learn more about classroom tools and resources you can use to help youth build financial capability. We will spotlight the CFPB’s Curriculum Review Tool and teaching pedagogy, a new framework designed to help teachers select learning and teaching strategies that build youth financial capability.

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Conference Agenda

Day 2(Continued)

Concurrent Session I (Continued): 9:00am - 10:15am

Behavioral Economics

Behavioral Economics Panel

Presenter: Steve Beaman & Bryan Foltice

Behavioral Economics In Building 21st Century Wealth and Gaining Interest in Compound Interest

Break 10:20am - 10:35am

Concurrent Session II: 10:35am - 11:50am

Outcome Assessment

Survey Says: The Strengths of Continual Student Input

Presenter: Brenda Campbell

What seems like the end of a financial literacy program may well be the best place to start. Surveys, evaluations and studies – and how you can craft them – give incredible insight on hits and misses with your financial literacy lessons. Brenda Campbell, a financial literacy nonprofit leader for 10 years, will provide attendees with a framework for culling valuable information from those you’re serving today to impact how you go about business tomorrow.

Program Design and Development

Financial Coaching

Presenter: Jose Medina

This session will look at financial coaching and guiding individuals towards financial freedom. The program provides key elements to establishing personal financial coaching, by applying 5 strategies that individuals need to become financially empowered. Attendees will look at this program as a tool for personal financial coaching and counseling by the Institute of Personal Finance of Puerto Rico and will explore ways to apply these coaching techniques in their own environments.

Behavioral Economics

Acknowledging Biases and Solutions

Presenter: Ryan Decker & Alper Ozgit

This presentation defines behavioral economics and how it can be used to tackle the current state of Millennial and Youth personal financial education. Through interactive games and supporting academic literature, speakers demonstrate three central biases (exponential, procrastination, and myopic) linked to financial decision-making. This session concludes with references to books such as Nudge, demonstrating that countering prevalent biases offer opportunities for improving the financial state of youth.

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Conference Agenda

Day 2(Continued)

Keynote Lunch 11:55am - 1:00pm

Keynote Speaker: Mark Kantrowitz

Mark Kantrowitz is a nationally-recognized expert on student financial aid, scholarships and student loans. His mission is to deliver practical information, advice and tools to students and their families so they can make informed decisions about planning and paying for college. Mark writes extensively about student financial aid policy. He has testified before Congress and federal/state agencies about student aid on several occasions. Mark has been quoted in more than 5,000 newspaper and magazine articles in the last five years. He is the author of four bestselling books about scholarships and financial aid. Mark serves on the editorial board of the Journal of Student Financial Aid and the editorial advisory board of Bottom Line/Personal (a Boardroom, Inc. publication). He is also a member of the board of trustees of the Center for Excellence in Education. Mark previously served as a member of the board of directors of the National Scholarship Providers Association.

Concurrent Session III: 1:05pm - 2:20pm

Outcome Assessment

Research from the National Disability Institute

Presenter: National Disability Institute

Banking Status and Financial Behaviors of Adults with Disabilities

Program Design and Development

Financial Education: One “REAL” Piece at a Time

Presenter: Jeannette Bennett & Barbara Flowers

Looking for ways to enhance and expand the financial education curriculum? Try current topics from the REAL world! This session focuses on three REAL and relevant pieces: Buying a Car, Thinking About Gasoline, and Paying for Expenses. Attendees will receive FREE informational text articles with classroom activities written according to national finance standards. Strategies will be shared for addressing financial education not as an isolated “subject” but an exciting adventure in learning.

Behavioral Economics

Understanding Consumer Debt

Presenter: Abril Hunt

What do you need to know about growing consumer debt? This session looks at the psychology of debt, the growing trend of having too much debt, the reality of having children and self-employment, how much debt is too much, and what to do if debt becomes unmanageable.

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Conference Agenda

Day 2(Continued)

Break 2:20pm - 2:30pm

General Session V: 2:30pm - 3:30pm

Using Technology to Empower Families to Make Better College Financing Decisions

Presenter: John Hupalo

College now ranks as the greatest financial commitment a family can make other than home ownership, but overwhelming costs and a burdensome planning process makes success in Higher Education seem even more challenging. This session will explore the following questions: How can financial educators connect with families to help them through this process and make a difference? What are some of the economic, technological and social influences affecting the issue? How can financial educators begin to look at the “Big Picture” of college planning?

Break 3:30pm - 3:45pm

Roundtable Workshop 3:45pm - 5:00pm

Networking Social 5:00pm - 6:00pm

Day 3Friday, April 15, 2016

Continental Breakfast 8:00am - 8:25am

General Session VI: 8:30am - 9:10amThe Wisconsin Idea: Matching Volunteer Experts with Eager Students

Presenter: Brenda Campbell

Every community has a pool of financial literacy experts, you just have to find them and let them know the incredible impact of their expertise. In Wisconsin, we have crafted a method for attracting, training and keeping professionals from the business community that is the envy of the Midwest. Relying on a decade of proven success, nonprofit financial literacy President and CEU Brenda Campbell will outline how you can build and retain a pool of volunteer experts in financial literacy.

Break 9:10am - 9:15am

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Conference Agenda

Day 3(Continued)

General Session VII: 9:15am-9:55am

Opportunities to Advance Financial Education Through Schools

Presenter: Meina Banh

This session will examine the challenges and opportunities that community leaders face in advancing financial education in schools. Incorporating financial education in the classroom can help students gain the skills they need to make sound financial decisions. This session will discuss the current policy landscape and existing tool and research to help make the case for financial education, including the Consumer Financial Protection Bureau’s Advancing K-12: A Guide for Policy makers.

Break 9:55am - 10:10am

General Session VIII: 10:10am-12:15pm

Ethics

Presenter: John Linfield

This session discusses ethics, giving those working in financial services a better idea of what is expected of them by employers, clients and co-workers. It will assist individuals in understanding their own values and finding ways to implement these values into their busi-ness practice. The course will look at business ethics, ethics in the workplace, and the responsibilities attendees have to the clients they serve, organizations they work for, individuals they work with, and to themselves. Attendees will explore and apply concepts to a real-world example.

Closing Remarks 12:15pm - 12:30pm

Conference Layout

Grand Sierra

Ballroom

Antigua

Bonaire

Curacao8 7 6 5

3 2 1

4 3 2 A

E2 1

AttendeeRegistration

Attendee InformationFirst Name: _______________________________________ Last Name: _______________________________________Title: ____________________________________________ Organization: _____________________________________Work Address: ______________________________________________________________________________________City: ____________________________________________ State: ____________________ ZIP: ___________________Work Phone: ______________________________________ Email: ___________________________________________

I will be attending the following events:

q Annual Conference on Financial Education (please select rate):Early Registration (received on or before 2/15/2016) q $375Regular Registration (received after 2/15/2016) q $475

q EIFLE Awards (complimentary with conference registration)

Do you have any food allergies or special dietary restrictions we should be aware of?q Yes (Please note) ____________________________________________________________________

How did you learn about the Conference? _______________________________________________________________

Payment Informationq Check enclosed, payable to Institute for Financial Literacy

q Credit Card/Debit Card (MC, Visa, AmEx, Discover)

Amount to be charged $

Name as it appears on card: _____________________________________________ Exp. Date: Card Number (16 digits): ________________________________________________ CVV:

Is the Billing Address the same as the Work Address? q Yes q NoBilling Address: _____________________________________________________________________________________City: ____________________________________________ State: __________________ ZIP: _____________________

Signature: _________________________________________________________ Date: Signature above authorizes IFL to charge the listed card for the amount marked

Fax or mail this form to: Institute for Financial Literacy

Attn: ACFE Conference RegistrationPO Box 1842, Portland, ME 04104

Fax: (207) 221-3681registration will not be aCCepted without payment

Questions? Call (207) 221-3613, email Conference@FinancialLit.org or visit www.ACFEonline.org

Cancellations & Refunds• Requests made by February 1, 2016 will be charged a service fee of $50.00

• Requests made by March 1, 2016 will be charged a service fee of $100.00

• Requests made after March 1, 2016 will not receive a refund

• Requests for a refund must be emailed to Conference@FinancialLit.org by the registrant or their employer if the employer paid the registration fee. Refund requests must include the name, phone number and email of the registrant, the reason for the refund request , and proof of payment.

Attendee substitutions may be made in writing by the original registrant.

photo disclosure: By attending this conference, all attendees agree that their image or likeness may be captured in one or more media, and that said images may be reproduced by the Institute for Financial Literacy for its reasonable business purposes.

Hotel Information

Caribe Royale, Orlando, FL8101 World Center Drive Orlando, FL 32821 Phone: (407)-238-8000 Web: http://www.cariberoyale.com/

Conference room rate: $169 single or double per night, plus tax.

Space is limited. Reservations will be honored on a first-come, first-served basis.

To obtain the discounted rate, you must reserve a room by March 1, 2016.

To reserve on-line visit:

https://bookings.ihotelier.com/bookings.jsp?groupID=1529481&hotelID=5636To reserve by phone, call 1-800-823-8300 and tell the hotel you are with the Annual Conference on Financial Education, Institute for Financial Literacy.

About the Caribe Royale At the Caribe Royale All-Suite Hotel and Convention Center, business and pleasure go hand in hand. From the very beginning, we’ve redefined and elevated the standards of the meeting, conference and family vacation experience in Florida.

Here among our more than 53 lush, tropical acres, guests will discover 1,218 spacious, well-appointed one-bedroom suites, 120 luxurious two-bedroom lakeside villas, expansive state-of-the-art meeting and event facilities, unmatched hospitality and service, and a wealth of desirable dining options and hotel amenities that will appeal to both families and business professionals alike. And it all can be found just minutes from the area’s world famous theme parks and attractions. The Caribe Royale is located just 1.5 miles from the Walt Disney World® area.

Travel Guide

Restaurants located in the Caribe RoyaleEnjoy one of the desirable dining options available to you at Caribe Royale, and their sister property Buena Vista Suites. The Caribe Royale is located just 1.5 miles from the Walt Disney World® area. At the Caribe Royale, you can enjoy a variety of delectable flavors from some of the best restaurants in Orlando, including the elegant AAA Four Diamond, award-winning, fine dining restaurant, The Venetian Room. Other restaurant selections include the Tropicale, Café 24, Java’s Coffee Café and Calypso’s Pool Bar & Grille, as well as The Loft lobby bar and The Falls Lounge. You also have the choice of ordering from Room Service which is available 24 hours. Additionally, Buena Vista Suites offers a great steakhouse option in Vista Bistro, open for lunch and dinner. Your Vista Bistro meals can be charged to your folio at Caribe Royale.

Shuttle/Taxi ServiceShuttle service to/from the airport is provided by Mears Global the city’s official airport shuttle. Shuttle service runs 24 hours a day, 365 days per year. Shuttle ticket prices are estimated at $23 one way or $37 round trip per adult. Tickets can be purchased on-line or calling Mears at 1-855-463-2776.

For more information please visit their website at www.mearstransportation.com

Taxi service from the airport can vary due to traffic delays and detours. The fare is not impacted by the number of passengers so if more than one person is traveling, this is may be your best option. Reservations are not required.

Additional Resources

There is so much to do in the Orlando area, we just can’t list everything. The Caribe Royale’s website has a vacation guide to assist you in learning all there is available to you. Please visit their site at

http://www.thecaribehotelsorlando.com/orlando-vacation-guide/

For those of you that would like to explore more of what Orlando has to offer, please visit the Orlando’s visitors center website at http://www.visitorlando.com/ for an in depth list of Attractions, Museums, Events and Shopping.

Frequently Asked

Questions

Will I be able to attend sessions in multiple concurrent session tracks?Yes. Attendees are able to participate in any session throughout the conference.

Will I be able to attend the Excellence In Financial Literacy Education (EIFLE) Awards Dinner?Yes. All attendees and sponsors receive complimentary attendance at the EIFLE Award Dinner and are encour-aged to attend. Please indicate whether you will attend the EIFLE Awards Dinner on your registration to ensure we have the correct number of meals available.

Will I be able to bring a guest to the Excellence In Financial Literacy Education (EIFLE) Awards Dinner?Yes. All guests not registered for the conference will be able to attend the EIFLE Awards Dinner for an additional $50.00 per meal.

If I am presenting at the conference, do I need to complete an attendee registration form?Yes. Upon selection as a presenter, you will be provided with a special link for registration.

Will I be able to attend the conference if I register as a sponsor?Yes. Sponsorship covers the cost of the exhibit booth, all conference meals, the EIFLE Awards Dinner and at-tendee registration (number of attendees will depend on Sponsorship level). Any additional staff will be required to pay an additional attendee registration fee.

Will I be required to stay at the Conference Hotel?No. Attendees are welcome to make their own lodging arrangements, but the Institute for Financial Literacy has arranged for discounted room rates for all conference attendees staying at the conference hotel. In addition, stay-ing at the conference hotel helps the Institute to keep the Attendee Registration Fee as low as possible. Informa-tion about this year’s conference hotel and discounted room rates can be found on our Hotel Accommodations page.

Can I transfer my registration to another person?Yes, subject to conditions. Requests for attendee substitutions must be emailed to Conference@FinancialLit.org by the original registrant or their employer if the employer paid the registration fee. Requests must be made at least 15 days prior to the conference, and must include the name, phone number and email of the original regis-trant, the name, phone number and email of the new registrant, the reason for the transfer request, and proof of payment if the request is being made by an employer.

Frequently Asked

Questions

Frequently Asked

Questions

Can I get a refund if I am unable to attend the conference?Yes, a partial refund may be obtained subject to conditions. Requests made by February 1, 2016 will be refunded all but $50.00 of registration fee paid; requests made by March 1, 2016 will be refunded all but $100.00 of registration fee paid; requests made after March 1, 2016 will not receive a refund. Requests for a refund must be emailed to Conference@FinancialLit.org by the registrant or their employer if the employer paid the registration fee. Refund requests must include the name, phone number and email of the registrant, the reason for the refund request, and proof of payment if the request is being made by an employer.

How many attendees can I expect at the conference?Approximately 200.

What industries do attendees represent?Anyone with an interest in financial literacy, counseling and education is welcome to attend. Attendees typically volunteer or have work-related duties in personal finance and represent a broad cross section of industries. These industries include but are not limited to social services, non-profits, K-12 education, higher education, government, military, debt management, banks, credit unions and other financial services indus-tries. The exact mix varies from year to year.

Are international attendees welcome?Yes. While attendees are mostly from the United States, each year we have a small but growing representa-tion from around the globe. Previous attendees have represented Canada, Mexico, the Philippines, Turkey, and the U.K.