CIBC Private Wealth sponsors Extra Ed Inc for financial literacy programs

Financial literacy matters. Arguably, just as much as reading and writing. Yet, it's still missing from most classrooms. That gap leaves future generations unprepared for the complex realities that come with managing money. That’s why programs like Extra Ed Inc, and the support of organisations like CIBC, are so important. #CIBC #ProudToBeCIBC #TeamCIBC

At Grace Grants, we love sharing opportunities that uplift our community. 🌟 The Magic Johnson Foundation and the Angel Reese Foundation launched the Wealth Playbook, a 4-session financial literacy program created for Baltimore high school seniors. 📍 The first session took place at Saint Frances Academy with support from Merrill Lynch, where students learned the essentials of budgeting, building credit, and taking charge of their financial futures. Why this matters for parents and families: - It was free and designed specifically for high school seniors - It focused on real-life money skills teens need before graduation - It’s the beginning of a national movement to close the financial literacy gap This isn’t just a program, it’s the start of generational change. We’ll continue following the Wealth Playbook and sharing updates so Baltimore families can stay connected as new opportunities roll out. #WealthPlaybook #GraceGrantsDMV #FinancialLiteracy #FutureLeaders #BaltimoreYouth #AngelReeseFoundation #MagicJohnsonFoundation

Lately, I’ve been reflecting on how financial literacy and equity shape the lives of the people around us — and how often a lack of access keeps people trapped. When I have supported new American families and families living in poverty, I’ve seen firsthand how a lack of financial literacy and equity puts them at a severe disadvantage and means they can not access products and services that many of us don't think twice about and take for granted. It traps them or, even worse, sends them down a negative financial spiral. For example I have come across: - A parent who wanted to open a bank account but didn’t know where to start — and was too afraid of fees and hidden rules to try. - A family that lost hundreds to payday loan interest because they didn’t think they had another option for emergency funds. - A young adult who got their first job but didn’t understand how taxes, credit scores, or saving for the future worked — and was overwhelmed by debt within months. - A single mother who was evicted due to not paying rent, mainly due to a lack of knowledge about budgeting and saving. These aren’t just “finance” problems — they’re life problems. They affect mental health, relationships, opportunities, and a family’s sense of dignity and hope. I’ve seen the difference it makes when someone takes time to help — to explain how a savings account works, to point someone to a community program, to share tools for budgeting or building credit. The relief is visible. You can almost feel the weight lifting. We can all play a part in this. ✅ Offer to sit down with a neighbor and help them with online forms. ✅ Research and tell someone about a free financial education workshop - there are some if you look! ✅ Share your knowledge — in plain language — without judgment. Financial literacy is not just a skill — it’s a key that unlocks choices and freedom.

💡 Financial Literacy for All: Why It’s Essential for Building Strong Legacies At The Land & Legacy Group, we believe that land ownership and legacy planning isn’t just about what you own—it’s about how well you and your community can steward wealth over time. One foundational tool for that? Financial literacy. 📚 🔍 Key Takeaways Access to quality financial education is still uneven—especially in vulnerable and under-resourced communities. Early intervention (middle school / high school) with practical lessons—budgeting, understanding loans, interest rates—can build good habits that last a lifetime. Studies show that when individuals with lower incomes or education levels receive financial education, knowledge gaps shrink significantly. On average, many U.S. adults struggle with basic financial concepts: compound interest, inflation, risk diversification, etc. Increasing financial literacy has outsized benefits: more entrepreneurial activity, fewer predatory lending problems, better resilience during economic setbacks. 🌱 Why This Matters to Land & Legacy Owners & Planners Securing Your Legacy: Financial decisions—from debt structure to estate planning—are easier and more effective when grounded in knowledge. Empowering Your Community: As landowners, we often serve as stewards, neighbors, and role models. Supporting financial education helps build resilient local economies. Mitigating Risk: Lack of financial literacy can lead to avoidable losses—costly loans, bad deals, mis-managed assets. Educated clients and land owners make stronger, more sustainable choices. 🤔 What Could Be Done Embed financial education into youth programs tied to land, farming, and rural economies. Partner with community centers or nonprofits to offer practical financial workshops—tailored to those who need it most. Use legacy planning, trusts, land brokerage conversations to also address financial education as part of a holistic plan. 💬 Let’s Reflect What financial education tools or programs have you seen make a real difference in rural or land-owning communities? How are you incorporating financial literacy in your personal land & legacy planning? #FinancialLiteracy #LegacyPlanning #LandAndLegacy #CommunityEmpowerment #EstatePlanning #RuralEconomics #LandStewardship #GenerationalWealth

💡 Wealth Creation + Wealth Protection = Legacy We often talk about creating wealth, but what good is it if it isn’t protected? And what good is protection if we don’t teach the next generation how to build on it? 👉 Wealth Creation – building income streams through business, investments, and skills development. 👉 Wealth Protection – securing that wealth with estate planning, insurance, trusts, and smart financial structures. 👉 Wealth Education – especially in disadvantaged communities, where knowledge is the missing link. Without education, wealth fades. With it, cycles of poverty can be broken. 🔑 The true formula for generational wealth: Create it. Protect it. Teach it. When we extend financial education to disadvantaged communities, we’re not just teaching people how to manage money – we’re empowering families to rise, to preserve what they earn, and to pass on a stronger legacy. ✨ Because real wealth is not just about what we accumulate, but what we empower others to achieve after us.

The Freedom Recovery Fund (FRF) has officially launched its 2025 Financial Empowerment Program (formerly the Personal Incentive Account Program)! 🎉 This year’s fourth cohort brings together nine Porter County residents—up from six last year—who are pursuing goals like homeownership, higher education, and small business growth. Over the coming months, participants will build financial knowledge, grow savings, and unlock up to $10,000 each to invest in their futures. A big thank-you to 1st Source Bank for their partnership and expertise, helping break down barriers to wealth-building. Together, we’re carrying forward Project Neighbors’ mission of closing racial wealth gaps by investing directly in housing, education, and entrepreneurship. 

Berea College has received a grant from Bank of America to bolster the MoneyWi$e initiative, designed to equip students with essential skills to build lasting financial wellness. This partnership will allow the program to grow through the addition of peer coaches, create a financial capability certificate program, and increase financial educational opportunities for students across campus. 🔗 Learn More: https://lnkd.in/eYJn4fr2

💡 Financial aid isn’t just about distributing funds—it’s about using data to make smarter decisions. The start of the semester is the perfect time to review what worked, gather feedback, and use real insights to shape a stronger scholarship cycle. We share 3 priorities for financial aid officers this semester that can improve both efficiency and student outcomes. 📊 Read the post: https://lnkd.in/eQJDbjSY #FinancialAid #ScholarshipManagement #HigherEd #AwardSpring

Financial literacy can change lives and empower generations. This is an amazing example of how the Goalsetter Foundation, in collaboration with the Wells Fargo Foundation and NYC Public Schools, did just that in Brooklyn, New York. #WeAreWellsFargo

Partnerships Fuel Impact. On August 16, 2025, we partnered with Chase Bank to deliver a financial education workshop for our young moms at the 6650 S. Stony Island Ave. branch in Chicago. Led by Brandon Mells, Community Manager, the Intro to Banking and Credit Basics session used hands-on activities to make learning engaging and practical. The setting included a dedicated classroom space, plus a welcoming children’s area—ensuring accessibility for families. 💸Participants left with: Knowledge to strengthen financial well-being Backpacks filled with school supplies A financial health workbook for continued learning We are deeply grateful to Ingrid Williams, Financial Specialist at Chase Bank in Homewood, for her added expertise and support. Given the overwhelming success, we’re excited to continue our partnership with Chase, with another financial education session planned for early 2026. 💜Together, we’re equipping teen moms with tools to build strong, thriving financial futures. #ThePuddleProject #PartnershipsForImpact #FinancialEducation #CommunityGrowth #Chase