FEF Page Headers-History

The Financial Education Foundation of Anne Arundel County, Inc, (“FEF”) was formed in realization of the fact that a large segment of the general public does not have access to the basic financial education that it needs (given that the proper attention to personal finance issues can enhance one’s “quality of life”), and that it can help serve as part of the solution. There are numerous reasons for this financial illiteracy. First of all, there are few, if any, formal financial education curriculum offered at any level of our public school system, nor are there many in our colleges. Relatedley, when “you don’t know what you don’t know”, nor appreciate the negative consequences of financial illiteracy, there is, often times, going to be no perceived incentive to proactively seek relevant financial education. Moreover, for those without the financial means to pay for such (financial) information (i.e. much of the middle-class), such information is, invariably, inaccessible.

“FEF” seeks to do its part to be part to address this concern, by providing relevant financial education to those who can benefit from it and don’t have access to it alternatively. We feel strongly that making better financial decisions better enables one to ensure a more secure financial future.


The “financial education” we provide is in the form of “pro bono” seminars to specified groups, on a variety of personal finance issues and, when necessary, customized to the needs of our audience. The financial information provided would be fairly basic and we’d be trying to enable our audiences to grasp essential financial planning concepts and precepts that will better allow them to make prudent financial decisions and choices, in order to enhance their financial well-being.

Unfortunately, in today’s society, studies indicate that far too many adults do not save any portion of their household’s annual income, and continue to carry relatively high credit card balances from month to month. Additionally, millions graduate each year from high school without a basic understanding of personal finance and are unprepared to make basic financial decisions; while both public and private schools have not been mandated to teach financial literacy programs. FEF feels strongly that Americans need to proactively save and invest, prepare financially for their retirement years, and manage their financial resources.

Examples of potential target markets to be served, include high school students, senior citizens, those with health and disability afflictions, and those dealing with special situations such as addiction and domestic violence. Specific subject matter includes goal setting, cash flow and budgeting, saving, consumer debt considerations, the principles of basic investing, company retirement plans, funding a college education, and basic estate planning.

FEF feels strongly that financially informed individuals are more able to foster a more stable future for themselves and their families.