2016 Annual Report. Nancy Brown, President & Board Chair Opportunity Alliance Nevada

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1 2016 Annual Report Nancy Brown, President & Board Chair Lynne Keller, Executive Director December 2016 opportunityalliancenv.org

2 2016 Annual Report 1 Executive Summary December 2016

3 2016 Annual Report 2 Contents 2 ORGANIZATION DESCRIPTION AND ACTIVITIES 3 FINANCIAL COACHING 1 POLICY COMMITTEE 3 YOUTH COMMITTEE 3 FINANCIALS 4 December 2016

4 2016 Annual Report 3 Organization Description and Activities As a statewide entity that partners with organizations to serve Nevadans, Opportunity Alliance Nevada seeks to integrate asset-building tools and resources into already established organizations and their programs to assist those organizations in helping their clients achieve long-term economic independence. The Board of Directors consists of nine members: Nancy Brown, President (Charles Schwab Bank) Amy Nelson, Vice-President (University of Nevada, Reno) Vacant, Secretary (Community Member) Lynne Keller, Treasurer (Community Member) Kathy Carrico (Small Business Development Center (SBDC) Nevada) Mark Giuliano (Reno Sparks Gospel Mission) Ta-Tiana Anderson Hall (Boys & Girls Club) Lynda Hascheff (AARP) Lisa-Marie LIghtfoot, (Washoe County School District Volunteer Services) operations are currently led by Lynne Keller, Executive Director, Jana Shuler, Operations Assistant, and Deb McDermed, Master Coach. December 2016

5 2016 Annual Report 1 Financial Coaching Financial Coaching The Financial Coaching Committee provided a national certification program for organizations seeking to integrate financial coaching into their current services to A Success Story My direct contribution to OANV mission for the financial improvement of local Nevadans. As the coordinator/facilitator for Summit Christian Church's Financial Peace University, I facilitate the 9 week class series of FPU as a volunteer and made myself available for any financial questions, training, and counseling the student desires. Since they are already seeking to improve their financial stories everyone finishes in a much better financial situation then when they started (learn budgeting, paying off debts, putting together a fully funded emergency reserve, retirement, etc.). Having attended OANV coaching training has helped me better assist families with how to ask verses tell, but the majority of people come to me with specific questions from the material they are learning expecting a direct answer. Today my current class series graduated 20 household representing 28 people. Every one of them is now budgeting, paid off $30,435 of debt, saved $21,505, and cut up 67 credit cards during the 9 week series. I've offered free counseling or coaching to all the graduates and so far 3 have said yes. I have found that being part of OA- NV has proved valuable training of programs and procedures that I share with my FPU students. I also use many more questions before providing answers to their situation. improve the long-term financial wellbeing of their clients. In partnership with the Community College of New Mexico, Opportunity Alliance Nevada held its second financial coaching training program in Nevada and certified another 30 individuals to become financial coaches who could provide one-on-one sessions with their clients to assist their clients in establishing and reaching their financial goals and to help their clients take greater control of their personal finances. OA-NV currently has trained 47 certificated financial coaches throughout the community. Opportunity Alliance also provided the services and on going support of a master coach to assist newly certified financial coaches in providing services to their clients. As an example of s integration of resources into established programs, the master coach and one financial coach provided coaching services as part of a pilot program with Truckee Meadows Community College. Master Coach and one newly certified coach participated with 6 coaching clients. At completion of the coaching pilot 4 participants had the opportunity for 4 coaching sessions, and 2 participants had 3 coaching sessions. 4 out of 6 clients participated in all of their appointments. The four sessions held were very good all clients feeling that they were making progress! One client who did participate is shifting to a place of empowerment over their finances and is feeling really good! It was determined that more financial education might be needed on the front end (i.e. YMYG) or more of an assessment as to what has been the obstacle for clients previously so the coaches know where to focus. December 2016

6 2016 Annual Report 2 The Financial Committee had the privilege of hosting a training program on behalf of the Consumer Financial Protection Bureau (CFPB) in two locations in Nevada. The program was a day-long train-the-trainer class for Your Money, Your Goals training. The April 18 th class in Reno, Nevada had 41 participants and the June 23 rd class in Las Vegas, Nevada had 27 participants. The 68 individuals represented 47 agencies in Nevada. Subsequent to these sessions, 32 sessions were held with 234 line staff being trained to provide Your Money, Your Goals sessions to their clients In September of 2016, OA-NV received a grant from the William G. McGowan Charitable Fund. The use of these funds was directed to From Poverty to Opportunity with Crossroads Reno. The Crossroads Program is a collaboration between Washoe County Social Services (WCSS) and Catholic Charities of Northern Nevada that began in January of The program provides a supportive living arrangement for men and women transitioning out of homelessness. Clients in the program are given a safe and caring environment to live in, along with wrap-around social services including drug and alcohol counseling, employment support, volunteer/work opportunities, and other tools to help them establish a new, more productive path in life. The goal of Crossroads is to prevent relapses into homelessness and substance abuse, and to reduce public costs associated with jail, hospital and other emergency services. The program has shown tremendous success with many community partners, and Washoe County estimates that Crossroads is saving the community about $7 million per year. The first of three (3) sessions began October 4 th with 13 participants with 11 participants graduating December 2 nd. The group worked hard and close to keep each other accountable to attending classes (twice per week for 8 weeks) and completing assignments. Each participant completed a future story and was motivated to move forward, find employment, and change their financial story. The remaining two sessions will be held in In 2017, the Financial Coaching committee plans to pursue formation of its own certification training programs and to create a financial coach directory and to formalize a financial coaching referral network for nonprofit organizations and private sector companies who seek the services of a financial coach. At the same time the Financial Coaching committee expects to expand and grow its learning network run by the master coach to support its financial coaches and to utilize the data it collects from its coaches to assist the Policy Committee in identifying areas that need to be addressed. December 2016

7 2016 Annual Report 3 Policy Committee The Policy Committee serves as a resource for public, private and non-profit stakeholders on the causes and effects of the financial challenges facing many Nevadans and on best practices for programs and strategies to increase economic opportunity and reduce financial insecurity in Nevada. In 2016, the Policy Committee is focused on work with CFED to support their Can t Wait Campaign to encourage the CFPB to enact regulations protecting consumers from predatory payday lenders. The Policy Committee will also monitor the results of the data produced by the financial coaching network and the youth committee to identify additionally policy areas that should be a focus for the 2017 state legislative session to increase the financial well being of Nevadans and assist them in meeting their financial challenges. Youth Committee The Youth Committee works in partnership with the Washoe County School District Volunteer Program, Junior Achievement and other organizations to integrate savings and financial education into the elementary school curriculum and to communicate information on the financial benefits of the State Treasurer s College Kick Start program. The committee is currently preparing for pilot Financial Wellness program centered around the Kick Start program to be held the first quarter of 2017 at two pilot elementary schools in Washoe County. This will begin with a Your Money, Your Goals program for parents and lead in to a college savings account enrollment campaign providing incentives to students for their 529 accounts In addition, the Youth Committee has identified a need for an asset map data base of youth financial education services and worked with Washoe County School District Volunteer Services and the University of Nevada, Reno to create such an asset map. This tool can be used by the schools, parents of school-aged children, and the entire community to identify services provided to each school and gaps in services provided. December 2016

8 2016 Annual Report 4 Financials The following pages are a report of the financial position of for the calendar year December 2016

9 1:07 PM 12/09/16 Accrual Basis Statement of Financial Position As of December 31, 2016 Dec 31, 16 Dec 31, 15 $ Change % Change ASSETS Current Assets Checking/Savings Wells Fargo Bank 96, , , % Wells Fargo Savings Account 5, , % Total Checking/Savings 101, , , % Total Current Assets 101, , , % TOTAL ASSETS 101, , , % LIABILITIES & EQUITY Equity Opening Balance Equity 6, , % Unrestricted Net Assets 4, , , % Net Income 90, , , ,448.77% Total Equity 101, , , % TOTAL LIABILITIES & EQUITY 101, , , % Page 1 of 10

10 12:47 PM 12/09/16 Accrual Basis Statement of Financial Income and Expense January through December 2016 McGowan Grant CrossRoads - Other (CrossRoads) (CrossRoads) Total CrossRoads Ordinary Income/Expense Income Direct Public Support Corporate Contributions Corp Contribution - US Bank Corp Contribution - CFED Total Corporate Contributions Gifts in Kind - Goods Individ, Business Contributions Total Direct Public Support Grant Income Charles Schwab Bank Grant FHLBSF Ahead Grant Other Institutional Grants 50, , Total Grant Income 50, , Investments Interest-Savings, Short-term CD Total Investments Other Types of Income Financial Coaching Services , , Total Other Types of Income , , Program Income Program Service Fees Total Program Income Total Income 50, , , Gross Profit 50, , , Expense Advertising & Promotion Business Expenses Business Registration Fees Total Business Expenses Contract Services Outside Contract Services Finan Coaching Sv - Crossroads 7, , , Outside Contract Services - Other 1, , Total Outside Contract Services 8, , , Total Contract Services 8, , , Facilities and Equipment Rent, Parking, Utilities Total Facilities and Equipment Operations Bank Charges Books, Subscriptions, Reference Internet-Website 2, , Printing and Copying Page 2 of 10

11 12:47 PM 12/09/16 Accrual Basis Statement of Financial Income and Expense January through December 2016 McGowan Grant CrossRoads - Other (CrossRoads) (CrossRoads) Total CrossRoads Supplies , Total Operations 2, , Other Types of Expenses Insurance - Liability, D and O Other Costs Special Events Expense YM/YG Training expense Financial Coach Training Expens Reno Works Project Expenses Crossroads expenses Special Events Expense - Other Total Special Events Expense Total Other Types of Expenses 1, , Travel and Meetings Conference, Convention, Meeting Conference - CFED Conference, Convention, Meeting - Other Total Conference, Convention, Meeting Travel Travel - CFED Conference Travel - Other Total Travel Travel - Lodging Lodging CFED Conference Travel - Lodging - Other Total Travel - Lodging Travel - Meals & Entertainment Total Travel and Meetings Total Expense 13, , , Net Ordinary Income 37, , , Net Income 37, , , Allocate to , Note 2 CrossRoads project due to complete 6/30/2017 Child Protective Service, Foster Grandparents, NV Note 1 Hopes due to complete first quarter 2017 Ahead Grant $25,000 received 12/2016 for 2017 Note 3 operations Net income 2016 Page 3 of 10

12 12:47 PM 12/09/16 Accrual Basis Statement of Financial Income and Expense January through December 2016 CFED Conference Child Protective Services Foster Grandparents NvHopes Total Coaching Services (Financial Coach Training) (Coaching Services) (Coaching Services) (Coaching Services) (Financial Coach Training) Ordinary Income/Expense Income Direct Public Support Corporate Contributions Corp Contribution - US Bank Corp Contribution - CFED Total Corporate Contributions Gifts in Kind - Goods Individ, Business Contributions Total Direct Public Support Grant Income Charles Schwab Bank Grant FHLBSF Ahead Grant Other Institutional Grants Total Grant Income Investments Interest-Savings, Short-term CD Total Investments Other Types of Income Financial Coaching Services Total Other Types of Income Program Income Program Service Fees Total Program Income Total Income Gross Profit Expense Advertising & Promotion Business Expenses Business Registration Fees Total Business Expenses Contract Services Outside Contract Services Finan Coaching Sv - Crossroads Outside Contract Services - Other Total Outside Contract Services Total Contract Services Facilities and Equipment Rent, Parking, Utilities Total Facilities and Equipment Operations Bank Charges Books, Subscriptions, Reference Internet-Website Printing and Copying 20,00 20,00 20, , , , , , , , , , , , , , , , , , , , , , , , , , , , Page 4 of

13 12:47 PM 12/09/16 Accrual Basis Statement of Financial Income and Expense January through December 2016 CFED Conference Child Protective Services Foster Grandparents NvHopes Total Coaching Services (Financial Coach Training) (Coaching Services) (Coaching Services) (Coaching Services) (Financial Coach Training) Supplies Total Operations Other Types of Expenses Insurance - Liability, D and O Other Costs Special Events Expense YM/YG Training expense Financial Coach Training Expens Reno Works Project Expenses Crossroads expenses Special Events Expense - Other Total Special Events Expense Total Other Types of Expenses Travel and Meetings Conference, Convention, Meeting Conference - CFED Conference, Convention, Meeting - Other Total Conference, Convention, Meeting Travel Travel - CFED Conference Travel - Other Total Travel Travel - Lodging Lodging CFED Conference Travel - Lodging - Other Total Travel - Lodging Travel - Meals & Entertainment Total Travel and Meetings Total Expense Net Ordinary Income Net Income Allocate to 2017 Note 2 CrossRoads project due to complete 6/30/2017 Child Protective Service, Foster Grandparents, NV Note 1 Hopes due to complete first quarter 2017 Ahead Grant $25,000 received 12/2016 for 2017 Note 3 operations Net income , , , , , , , , , , , , , , , , , , , , , , , , Page 5 of 10

14 12:47 PM 12/09/16 Accrual Basis Statement of Financial Income and Expense January through December 2016 Financial Coach Training - Other (Financial Coach Training) Total Financial Coach Training Operations TOTAL Ordinary Income/Expense Income Direct Public Support Corporate Contributions Corp Contribution - US Bank Corp Contribution - CFED Total Corporate Contributions Gifts in Kind - Goods Individ, Business Contributions Total Direct Public Support Grant Income Charles Schwab Bank Grant FHLBSF Ahead Grant Other Institutional Grants Total Grant Income Investments Interest-Savings, Short-term CD Total Investments Other Types of Income Financial Coaching Services Total Other Types of Income Program Income Program Service Fees Total Program Income Total Income Gross Profit Expense Advertising & Promotion Business Expenses Business Registration Fees Total Business Expenses Contract Services Outside Contract Services Finan Coaching Sv - Crossroads Outside Contract Services - Other Total Outside Contract Services Total Contract Services Facilities and Equipment Rent, Parking, Utilities Total Facilities and Equipment Operations Bank Charges Books, Subscriptions, Reference Internet-Website Printing and Copying 1, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Page 6 of

15 12:47 PM 12/09/16 Accrual Basis Statement of Financial Income and Expense January through December 2016 Financial Coach Training - Other (Financial Coach Training) Total Financial Coach Training Operations TOTAL Supplies Total Operations Other Types of Expenses Insurance - Liability, D and O Other Costs Special Events Expense YM/YG Training expense Financial Coach Training Expens Reno Works Project Expenses Crossroads expenses Special Events Expense - Other Total Special Events Expense Total Other Types of Expenses Travel and Meetings Conference, Convention, Meeting Conference - CFED Conference, Convention, Meeting - Other Total Conference, Convention, Meeting Travel Travel - CFED Conference Travel - Other Total Travel Travel - Lodging Lodging CFED Conference Travel - Lodging - Other Total Travel - Lodging Travel - Meals & Entertainment Total Travel and Meetings Total Expense Net Ordinary Income Net Income Allocate to 2017 Note 2 CrossRoads project due to complete 6/30/2017 Child Protective Service, Foster Grandparents, NV Note 1 Hopes due to complete first quarter 2017 Ahead Grant $25,000 received 12/2016 for 2017 Note 3 operations Net income , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Page 7 of 10

16 7:56 AM 12/10/16 Accrual Basis Budget vs. Actual by Programs/Projects January through December 2016 McGowan Grant CrossRoads - Other CFED Conference (CrossRoads) (CrossRoads) Total CrossRoads (Financial Coach Training) Jan - Dec 16 Budget Budget Jan - Dec 16 Budget Budget Jan - Dec 16 Budget Budget Jan - Dec 16 Budget Budget Ordinary Income/Expense Income Direct Public Support Corporate Contributions Corp Contribution - US Bank Corp Contribution - CFED , , Total Corporate Contributions , , Gifts in Kind - Goods Individ, Business Contributions Total Direct Public Support , , Grant Income Charles Schwab Bank Grant US Bank - Family College Night Wells Fargo Bank Grant Bank of the West Grant FHLBSF Ahead Grant Other Institutional Grants 50, , , , Non-Institutional Grants Total Grant Income 50, , , , Investments Interest-Savings, Short-term CD Total Investments Other Types of Income Financial Coaching Services , , , , Total Other Types of Income , , , , Program Income Program Service Fees Program Income - Other Total Program Income Total Income 50, , , , , , , , Gross Profit 50, , , , , , , , Expense Advertising & Promotion Business Expenses Business Registration Fees Total Business Expenses Contract Services Accounting Fees Legal Fees Outside Contract Services Finan Coaching Sv - Crossroads 7, , , , , , , , , Outside Contract Services - Other 1, , , , , , Total Outside Contract Services 8, , , , , , , , , Contract Services - Other Total Contract Services 8, , , , , , , , , Facilities and Equipment Rent, Parking, Utilities Total Facilities and Equipment Operations Bank Charges Books, Subscriptions, Reference Internet-Website 2, , , , Printing and Copying Supplies , , , , , Total Operations 2, , , , , , Other Types of Expenses Insurance - Liability, D and O Other Costs , , , , Special Events Expense YM/YG Training expense Financial Coach Training Expens Reno Works Project Expenses Crossroads expenses Special Events Expense - Other Total Special Events Expense Total Other Types of Expenses 1, , , , , , Travel and Meetings Conference, Convention, Meeting Conference - CFED , , Conference, Convention, Meeting - Other Total Conference, Convention, Meeting , , Travel Travel - CFED Conference , , , Travel - Other Total Travel , , , Travel - Lodging Lodging CFED Conference , , Travel - Lodging - Other Total Travel - Lodging , , Travel - Meals & Entertainment , , Total Travel and Meetings , , , Total Expense 13, , , , , , , , , , , , Net Ordinary Income 37, , , , , , , , Net Income 37, , , , , , , , Roll Over to 2017 Note (2) 41, Page 8 of 10

17 7:56 AM 12/10/16 Accrual Basis Budget vs. Actual by Programs/Projects January through December 2016 Ordinary Income/Expense Income Direct Public Support Corporate Contributions Corp Contribution - US Bank Corp Contribution - CFED Total Corporate Contributions Gifts in Kind - Goods Individ, Business Contributions Total Direct Public Support Grant Income Charles Schwab Bank Grant US Bank - Family College Night Wells Fargo Bank Grant Bank of the West Grant FHLBSF Ahead Grant Other Institutional Grants Non-Institutional Grants Total Grant Income Investments Interest-Savings, Short-term CD Total Investments Other Types of Income Financial Coaching Services Total Other Types of Income Program Income Program Service Fees Program Income - Other Total Program Income Total Income Gross Profit Expense Advertising & Promotion Business Expenses Business Registration Fees Total Business Expenses Contract Services Accounting Fees Legal Fees Outside Contract Services Finan Coaching Sv - Crossroads Outside Contract Services - Other Total Outside Contract Services Contract Services - Other Total Contract Services Facilities and Equipment Rent, Parking, Utilities Total Facilities and Equipment Operations Bank Charges Books, Subscriptions, Reference Internet-Website Printing and Copying Supplies Total Operations Other Types of Expenses Insurance - Liability, D and O Other Costs Special Events Expense YM/YG Training expense Financial Coach Training Expens Reno Works Project Expenses Crossroads expenses Special Events Expense - Other Total Special Events Expense Total Other Types of Expenses Travel and Meetings Conference, Convention, Meeting Conference - CFED Conference, Convention, Meeting - Other Total Conference, Convention, Meeting Travel Travel - CFED Conference Travel - Other Total Travel Travel - Lodging Lodging CFED Conference Travel - Lodging - Other Total Travel - Lodging Travel - Meals & Entertainment Total Travel and Meetings Total Expense Net Ordinary Income Net Income Roll Over to 2017 Child Protective Services Foster Grandparents NvHopes Total Coaching Services Financial Coach Training - Other (Coaching Services) (Coaching Services) (Coaching Services) (Financial Coach Training) (Financial Coach Training) Jan - Dec 16 Budget Budget Jan - Dec 16 Budget Budget Jan - Dec 16 Budget Budget Jan - Dec 16 Budget Budget Jan - Dec 16 Budget Budget , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Note (1) 4, Note (1) 2, Note (1) 7, , Page 9 of 10

18 7:56 AM 12/10/16 Accrual Basis Budget vs. Actual by Programs/Projects January through December 2016 Ordinary Income/Expense Income Direct Public Support Corporate Contributions Corp Contribution - US Bank Corp Contribution - CFED Total Corporate Contributions Gifts in Kind - Goods Individ, Business Contributions Total Direct Public Support Grant Income Charles Schwab Bank Grant US Bank - Family College Night Wells Fargo Bank Grant Bank of the West Grant FHLBSF Ahead Grant Other Institutional Grants Non-Institutional Grants Total Grant Income Investments Interest-Savings, Short-term CD Total Investments Other Types of Income Financial Coaching Services Total Other Types of Income Program Income Program Service Fees Program Income - Other Total Program Income Total Income Gross Profit Expense Advertising & Promotion Business Expenses Business Registration Fees Total Business Expenses Contract Services Accounting Fees Legal Fees Outside Contract Services Finan Coaching Sv - Crossroads Outside Contract Services - Other Total Outside Contract Services Contract Services - Other Total Contract Services Facilities and Equipment Rent, Parking, Utilities Total Facilities and Equipment Operations Bank Charges Books, Subscriptions, Reference Internet-Website Printing and Copying Supplies Total Operations Other Types of Expenses Insurance - Liability, D and O Other Costs Special Events Expense YM/YG Training expense Financial Coach Training Expens Reno Works Project Expenses Crossroads expenses Special Events Expense - Other Total Special Events Expense Total Other Types of Expenses Travel and Meetings Conference, Convention, Meeting Conference - CFED Conference, Convention, Meeting - Other Total Conference, Convention, Meeting Travel Travel - CFED Conference Travel - Other Total Travel Travel - Lodging Lodging CFED Conference Travel - Lodging - Other Total Travel - Lodging Travel - Meals & Entertainment Total Travel and Meetings Total Expense Net Ordinary Income Net Income Roll Over to 2017 Total Financial Coach Training Operations TOTAL Jan - Dec 16 Budget Budget Jan - Dec 16 Budget Budget Jan - Dec 16 Budget Budget 1, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Note (3) 25, Total 81, Page 10 of 10

19 Notes to Financial Statement Note 1: entered into three pilot projects centered around financial coaching utilizing its Master Coach, Deb McDermed, and various volunteer coaches. While they were funded in October, 2016, completion is not anticipated until sometime in the first quarter of As a result, a portion of the funds received will be carried forward into 2017 for budgetary purposes. These projects are: Children Protective Services Financial Stability is one of several areas in which families striving for re-unification with their children, need to know how to build. This is a new pilot effort combining (3) award winning efforts to build stability for Nevadans. Financial Empowerment through Your Money Your Goals will be provided in a group setting of participants. As they are learning the keys to building a greater level of freedom with handling their finances; they will be engaged in a National Award Winning program, entitled Getting Ahead in a Just Getting By World. In 2015 a National study of the efficacy of this program showed statistically valid increases in motivation, mental health and well-being, self-efficacy, goal-directed behavior and hope for a better life. This will be the first coupling of financial capability, learning the rules of the game, building an empowered self-plan and having coaching services provided during and after graduation. Steps: Work with CPS to define target group for pilot Provide Bridges ½ day update for staff who have taken the full Bridges program previously Meet with potential participants to explain the program and enrollment Set dates, location and logistics Determine Program outcomes and measurement method Order all necessary materials Tasks: Provide Modular Instruction from Your Money Your Goals Integrate the material with Getting Ahead modules RE-design some modules as appropriate Facilitate Sessions including pre-work Work with participants on goals, and smart plan Communicate with CPS and OA/NV on progress Program will be a minimum of 12 weeks, maximum 16 weeks (2.5 hours weekly) The amount carried forward into 2017 is $4,800 Nevada Hopes Work with Nevada Hopes leadership and staff to introduce a pilot for staff that potentially addresses the following: Determine Staff interest and need in financial empowerment and resources Provide modular approach to the above through CFPB s Your Money Your Goals program Provide opportunity for financial coaching concurrent with education modules STEPS: Meet as appropriate, with leadership or staff to describe and design approach

20 Tasks: Provide 3-5 sessions of financial empowerment to group of 10 at 1.5 hours each Offer coaching sessions to above group on areas of interest and need ( 40-min to 1 hr per participant for 5-6 coaching sessions) Design milestones and assessments needed in the pre and post phases. Determine HOPES measurement for value within the organization (co-design) Plan de-brief and celebration at conclusion of program as appropriate. Determine participants and invitation mode (co-design with HOPES) Select and prepare all materials for sessions Manage communication with both organizations- (mode and frequency) Plan and set up all sessions including on site location for coaching The amount carried forward into 2017 is $7, Foster Grand Parents Provide orientation to Foster Grand Parents and Coaches on Financial Empowerment, and Financial Coaching. Select coaches to deliver one on one sessions of 1 hour per participant for 4-5 sessions. We will be utilizing 3-4 coaches to deliver this service as a pilot opportunity. This may include the use of YMYG toolkit with participants as well as coaching material Tasks: Meet with Foster Grandparents to determine direction interest (done in August) Set Date for Orientation- October 10 at 1:30 pm. Select Coaches to participate Coach the coaches on process for this special group Act as liaison for FG organization Work with coaches on the use of YMYG and tracking project Responsibilities: All aspects of the project with the exception of actual coaching Provide Financial Well Being forms to coaches Gather Tracking info and forms referenced above Determine on going need for FG The amount carried forward into 2017 is $2, Note 2: received a grant from the William F. McGowan Charitable Funds, Inc. in the amount of $50,000 in September, 2016 for the following pilot program The Crossroads Program: Duration of grant: 1 year through June 30, 2017 Clients to be served: 36 (3 groups of 12) Programs to be offered in sequence: 1. Getting Ahead in A Just Getting by World (for the workplace)- 16 sessions 1 per week for 2.5 hours.

21 2. Your Money Your Goals as part of the SMART plan created from Getting Ahead- 3-5 hours. 3. Financial Coaching and Resource delivery-5 hours maximum per client Considerations: 1. Measuring outcomes- (data tracking management). 2. Creating a video based story of what clients gained from the program Provisions: 1. Stipends to be paid at the rate of $10 per hour to participants who complete requirements. 2. All materials for program. 3. Facilitators- (2) for GA- (1) for YMYG. 4. Volunteer financial coaches (2-5) The amount carried forward to 2017 is $41, Note 3: applied for a grant from the FHL Bank of San Francisco s Ahead Grant program. The original requested amount was $50,000. Project Use of Funds: $12,000 Marketing/media production $36,000 Contract Service Provider to establish coaching programs $2,000 Travel The ultimate goal for sustainability is fee-based services from partners after initial pilot programs prove themselves. OA-NV received commitment of $25,000 effective September 7, 2016 with a term of 18 months of this effective date. Funds were received November 16, This amount will be carried forward to 2017 and be allocated to Contract Service Provider to establish coaching programs.