Skip to main content
Financial Foundations™FCF™-Aligned · Jump$tart Standards · K through Career

The only K-through-career financial curriculum built on behavioral data.

Financial Foundations™ is a research-grounded, standards-aligned curriculum system spanning 7 life-stage bands — from kindergarten through retirement. Every lesson activates the FLIQ Score™, turning classroom decisions into longitudinal behavioral data that districts, funders, and families can act on.

7
Life-Stage Bands
473
Total Lessons
8
FCF™ Domains
34
Core Units
Request a Curriculum Sample →Talk to Our Team
The Financial Competency Framework™
8 domains thread through every band, every lesson, every grade.
💼Earning
🛒Spending
🏦Saving
🤝Giving
📋Borrowing
📈Investing
🛡️Protecting
🗺️Planning
Curriculum Bands

One system. Every life stage.

Each band is a complete, standalone curriculum with its own scope and sequence, pacing guides, and standards crosswalk. All 7 connect through the FCF™ framework.

Band 1 · Ages 5–8
Early Childhood
Kindergarten – Grade 2
40
LESSONS
Money Explorers4 Units · FLIQ Foundational

Money is a tool. We earn it, spend it, save it, and share it.

Hands-on, story-driven lessons designed for young learners. Vocabulary-first approach with read-aloud integration.

EarningSpendingSavingGiving
Deployed by
K-12 DistrictsAfter-School ProgramsFaith Communities
Band 2 · Ages 8–11
Upper Elementary
Grades 3–5
50
LESSONS
Money Builders5 Units · FLIQ Developing

Income comes in many forms. I can earn money and make a plan for how to use it.

Character-driven case studies build agency and economic awareness. Connects classroom to real-world earning.

EarningSpendingSavingPlanning
Deployed by
K-12 DistrictsAfter-School Programs4-HCommunity Centers
Band 3 · Ages 11–14
Middle School
Grades 6–8
60
LESSONS
Money Systems6 Units · FLIQ Applying

I understand how the financial system operates and how my decisions connect to larger economic forces.

Macro-to-personal bridge. Students trace how economic forces — inflation, wages, credit — show up in their own lives.

EarningSpendingSavingBorrowingPlanning
Deployed by
K-12 DistrictsYouth Development OrgsUrban League100 Black Men
Band 4 · Ages 14–18
High School
Grades 9–12
72
LESSONS
Money Mastery6 Units · FLIQ Analyzing

I can analyze my income architecture, build a debt strategy, and begin investing before age 25.

Career archetypes, real paycheck math, credit scoring mechanics, and the compound interest clock. College and career ready.

EarningSpendingSavingBorrowingInvestingPlanning
Deployed by
K-12 DistrictsJROTC ProgramsCollege Access OrgsYouth Employment Programs
Band 5 · Ages 18–24
Young Adult
Young Adults
60
LESSONS
Money Launch6 Units · FLIQ Applying+

I can build a positive net worth within 36 months of entering the workforce.

Built for first apartments, first paychecks, and first debt decisions. Net worth as the north star from day one.

EarningSpendingSavingBorrowingInvestingProtecting
Deployed by
Community CollegesWorkforce DevelopmentCredit UnionsHBCU Programs
Band 6 · Ages 25–54
Adult
Prime Working Years
98
LESSONS
Money Command7 Units · FLIQ Integrating

I can build and maintain a complete, real-time view of my financial health and take systematic action toward financial command.

All 8 FCF™ domains active. Peer-to-peer delivery format. 90-minute workshop sessions designed for busy professionals.

EarningSpendingSavingBorrowingInvestingProtectingPlanningGiving
Deployed by
Employers / HR BenefitsCredit UnionsWorkforce DevelopmentFaith Communities
Band 7 · Ages 55+
Pre-Retirement
Pre-Retirement & Legacy
65
LESSONS
Money Legacy5 Units · FLIQ Mastering

I have a documented retirement income plan and a legacy strategy that reflects my values.

Social Security optimization, Medicare strategy, withdrawal sequencing, estate documentation. Retirement readiness with a timeline.

InvestingProtectingPlanningGiving
Deployed by
Credit UnionsEmployers / HRFaith CommunitiesAARP Chapters
Deployment Matrix

Find the right band for your organization.

INSTITUTION TYPEB1B2B3B4B5B6B7COMMON FUNDING SOURCE
K-12 School DistrictsTitle IV-A, ESSER, State Discretionary
Community OrganizationsProgram Fees, Grants, WIOA
Workforce DevelopmentWIOA Title I, State Workforce Funds
Colleges & UniversitiesStudent Services, DEI Initiatives
Employers / Corporate HRBenefits Budget, L&D
Credit Unions & BanksCRA Obligations, Member Benefit
Faith CommunitiesProgram Budget, Donor Funds
Standards

Jump$tart Aligned

Every lesson maps to the Jump$tart National Standards for Personal Financial Education — the primary framework used in K-12 financial literacy evaluation and state policy.

Compliance

FERPA & COPPA Compliant

Student data is protected under FERPA and COPPA. The FLIQ Score™ is generated from behavioral decisions — not identifiable personal data — and stored under institutional data agreements.

Instructional Design

HQIM-Structured

Financial Foundations™ follows the High-Quality Instructional Materials (HQIM) framework — the same structure districts use to evaluate Amplify, Illustrative Mathematics, and EL Education.

Evaluation Ready

EdReports-Ready

The curriculum is structured to meet EdReports evaluation criteria: full lesson templates, pacing guides, standards crosswalk, facilitator guides, and assessment architecture.

The FLIQ Score™

The curriculum that proves it worked.

The FLIQ Score™ (Financial Literacy Intelligence Quotient) is not a test. It is a behavioral intelligence score — generated from the decisions students and participants make during simulation and reflection activities embedded throughout every lesson.

Eight sub-scores — one per FCF™ domain — give facilitators, administrators, and funders a longitudinal view of financial behavior change. Not just what students know. What they actually do differently.

Earning IndexSpending IndexSaving IndexGiving IndexBorrowing IndexInvesting IndexProtecting IndexPlanning Index
Sample FLIQ Report — District Cohort
Saving+36 pts
Pre: 42Post: 78
Borrowing+33 pts
Pre: 38Post: 71
Planning+35 pts
Pre: 45Post: 80
Investing+38 pts
Pre: 29Post: 67
Earning+28 pts
Pre: 61Post: 89
Overall FLIQ Gain+34 pts
Avg. across 847 students · 2 pilot schools · 14 weeks
Ready to Deploy

Every curriculum sample includes a scope & sequence, pacing guide, and sample lesson.

Requests are reviewed by our team within 2 business days. We match you to the right band and buyer pathway for your organization.

Request a Curriculum Sample →View Pricing