Junior Achievement of Central Maryland annual report 2014

InspiRing our Youth to AspiRe to GReatness

future

2014 annual report

f o R wa r d

2014

impact data

ouR impact on Young minds

26

1,119

Allegany

Carroll

4,276

washington

2,265

Harford

5,990

861

baltimore

650

Frederick

5,778 student reach

“every person passing through this life will unknowingly leave something and take something away. most of this something cannot be seen or heard or numbered or scientifically detected or counted. it’s what we leave in the minds of other people and what they leave in ours. memory. nothing counts without it.”

– Robert Fulghum

Author of All I Really Need to Know I Learned in Kindergarten

inside page 02 partnership

Inspiring a Commitment

a message from our

thing? That one thing is qualified applicants. There are complex reasons behind this gap—chief among them: lack of preparation.

T arthur flach

Managing Partner, Grant Thornton Board Chair, Junior Achievement of Central Maryland

Inspiring a Legacy

page 10

Letter excerpts

ja events

2014

page 14

listings

Partner organizations Participating schools Honor roll Financial statement Board of directors

Queen Anne’s

nearly four million U.S. jobs are available and waiting for just one

Inspiring a Vision

page 08 thank you

Anne Arundel

1,424

Did you know that despite ongoing challenges with unemployment,

page 06 volunteers

8,678

baltimore city

leadeRship

page 04 ja job shadow

Howard

by county

kent

11,780

jennifer bodensiek

President & CEO, Junior Achievement of Central Maryland

eachers work hard to get our young people ready for the real world. In fact, teachers are our heroes. But as they will tell you, they cannot do everything on their own. You already know it takes active and engaged parents, too. But many young people need even more support. They need someone to show them, really show them, what it takes to succeed. They need to hear your story. They need to hear what you overcame. They need to see you – in person – and know you care enough about their future to give of your time and resources to help them own their economic success and open their eyes to world of possibilities.

Junior Achievement works strategically to bridge the gap between business and education leaders. You will see shining examples in this annual report. These are truly inspiring highlights. But there were also more than 2,000 volunteers who also made meaningful impressions throughout Central Maryland last year. Together, we connected the dots between classroom learning and the business world. Together, we showed students how to successfully apply for jobs, manage their money, or start and grow a business to create jobs and drive innovation.

And outside the classroom, we were busy too. We ignited interest in high-growth careers through onsite job shadow opportunities. We invited students to visit us at Junior Achievement for a deeply powerful, hands-on learning experience called JA BizTown®.

As a result, the tens of thousands of students our volunteers reached now have something in their minds: a memory. Or better yet, an experience to shift their beliefs and eventually, their actions.

This annual report is our heartfelt thank you for inspiring our students to aspire to greatness.

Together, we fostered a spirit of entrepreneurialism and “can-do” attitude among our young people that will never, ever go out of style.

Together, we were truly there for the more than 42,000 students we served.

Together, we are Junior Achievement—for our young people and for our future.

Sincerely,

annual report 1

Partners in Student Success

inspiRing A

commitment

When you think of the term “partner,” certain words come to mind—like collaborator, teammate, comrade, and colleague. T. Rowe Price is all of those things to JA, and more. In fact, 2014 marked a banner year for support, which expanded from the

firm’s already generous funding, volunteerism, bowl-a-thon participation and board service, to the addition of a branded shop in JA BizTown, a JA Job Shadow™ experience for high school students, and a national partnership with JA USA. “JA and the T. Rowe Price Foundation have a shared commitment to financial education, and, in particular, developing kids' financial capabilities,” says Ann Boyce, president of the T. Rowe Price Program for Charitable Giving.

“The Foundation financed a special JA web portal in honor of the firm’s 75th anniversary in 2012 that offers educational content for kids, parents, educators, and JA volunteers. The content reinforces beneficial financial concepts and behaviors, such as setting goals, promoting savings, understanding inflation, and diversifying assets.”

A highlight of the portal is the online game, The Great Piggy Bank Adventure, developed by T. Rowe Price in collaboration with Walt Disney Imagineering. JA of Central Maryland was one of several pilot sites to bring the game to thousands of students across the country.

above: This past year, T. Rowe

Price opened a storefront in JA BizTown, and launched a nationwide partnership with JA USA featuring The Great Piggy Bank Adventure online game.

2 ja maryland

“We wanted The Great Piggy Bank Adventure to be a bridge for families to have financial conversations. The national partnership with JA USA also allowed us to sponsor a JA BizTown storefront to expose kids to the concepts of investments,” adds Renee Christoff, head of Corporate Social Responsibility for the firm. “Within the next year, we will add a storefront in Colorado Springs and a kiosk in Tampa. This will give us a physical and educational presence in each of our major U.S. locations where our associates live and work.

Our associates have already been involved in volunteering for JA BizTown and classroom programs, so this is an even more visible way to be involved.”

Few understand the impact of volunteerism and philanthropy more than Suzanne Ricklin, head of U.S. Investment Services – Registered Investment Advisors, and a long-time JA board member, volunteer, and donor. Suzanne spends time coordinating a company bowl-a-thon event that raises more than $40,000 each year, as well as volunteering in the classroom. For the past 15 years, she has served as a positive role model and mentor to at-risk youth in elementary schools. This past year, she was one of 52 T. Rowe Price associates who volunteered for a range of JA programs.

“Board service is important to me because I am able to make contributions that impact the support system around bringing JA’s mission to life. I also like volunteering because I can see the kids and the lives it touches first-hand,” she explains. “It’s so fulfilling to see the light bulbs go off when young people start to make connections to personal finance in their own lives. Teaching these concepts in the critical younger years helps them gain knowledge and decision-making skills to be empowered adults.”

t. rowe price strives for client success and business excellence. the firm also believes it has a role in bettering the communities where its associates live and work.

“Providing financial education for young people is an area of focus for us. JA and its various programs—from BizTown to its work readiness and entrepreneurial classroom programs— align closely with T. Rowe Price’s efforts to build communities’ financial capabilities by improving financial behaviors in children and their parents.”

Edward Bernard

Vice Chairman, T. Rowe Price Group

annual report 3

right: During their JA Job Shadow at BGE, Atholton High School students observed a safety demonstration and learned what coursework is required for engineering careers.

JA Job Shadow Makes the World of Work Come to Life

vision

inspiRing A

“It was good to learn that even though BGE is an electric company, people with different degrees can work together.”

– student Atholton High School

“I was so glad to be a part of the JA Job Shadow. It allowed me to pay it forward, and I hope that my story and words of encouragement will inspire confidence in the students that they, too, can follow their dreams to a successful future.” – Krystin Starks Millennial Media

Outside of the classroom, high school students spend a lot of time studying, participating in sports and being with friends. They don’t often have the opportunity to see what many adults do in their day-to-day professions. It’s a gap that leaves teens largely unprepared for the realities of the workplace. But when a vision appears—when young people have the chance to see what their futures might hold—their path becomes clear.

above: Federal Reserve Bank of Richmond welcomed

students from Benjamin Franklin High School, who benefitted from a panel discussion featuring a variety of professionals, facility tour, and networking lunch.

4 ja maryland

JA Job Shadow presents that path, providing the opportunity for students to visit an organization and learn about industries, careers, educational requirements and performance expectations. With the support of host sites, community volunteers have the opportunity to reveal their authentic, real-world job experiences and allow students to explore a variety of diverse work environments.

“The JA Job Shadow was an outstanding experience that broadened my mind about my career and my life.”

– student Baltimore Leadership

School for Young Women below: Atholton High School students asked BGE leadership about job rotation and employment opportunities.

above & below: Students from Seton Keough High School had a “stellar” experience at the Space Telescope Science Institute, where they gleaned words of wisdom from a panel of female scientists, software engineers, and IT professionals. They also learned about advances in space exploration and participated in hands-on activities to spark innovation.

thanKs t o t h e f o ll o w i n g o r g a n i z at i o n s In school year 2013-14, Junior Achievement of Central Maryland provided JA Job Shadow opportunities to more than 1,500 students at these host sites.

AT& T BGE m ayo r's office o f e m ployment d e v e lopment, ba lt i more city e Bay/Pay Pal F e d e r al R eserve Ba n k o f Richmond

“STScI is committed to showing girls the variety of career options that are available in STEM fields and exposing them to female role models. This effort will bolster our country’s ability maintain its science and technology leadership in the competitive new world of the 21st century.”

– Christine Rueter Space Telescope Science Institute

GE C apital ba lt i more city p u b l i c schools M i l l e n nial M edia R 2 i n tegrated S pac e Telescope S c i e n c e Institute T. R owe Price Wa s h i n gton C ounty P u b l i c Schools

annual report 5

Community Service to the Core

inspiRing A

legacy

Every day at JA BizTown is different. But when Capital One volunteers are “in the house,” there are some

things we can always count on: matching T-shirts, team spirit, enthusiasm, preparedness, and a desire to serve. In the 2013-2014 school year alone, Capital One volunteered in JA BizTown five times, thanks to the

dedication of 93 associates who made it their business to bring the world of business to JA kids.

“I always know it’s going to be a good day when I see the Capital One volunteers signed up for a JA BizTown visit,” says Rebecca Golloub, JA BizTown Program Manager. “They arrive on-time and are consistently ready to work hard. Their positive attitudes, and their persistence to guide the students to success, is what we look for in every volunteer that walks through our doors.”

And JA fits the bill. In fact, Junior Achievement is a nationwide partner with Capital One, which provides financial support as well as volunteers for several programs, including JA BizTown, JA in a Day and JA Finance Park. In Central Maryland, the focus is JA BizTown. Capital One believes that JA curriculum is in line with its mission and supports the importance of financial literacy at all ages.

That commitment is part of the fabric of Capital One. And their tag line “Capital One: Investing for Good” is more than just a catchy phrase.

“JA prepares students for what the real world looks like,” says Stephen Hazard, a District Manager for Capital One and veteran JA volunteer. “It gives them a perspective of careers, how cash moves and what you have to do to make a business run. It brings all of this together in an age-appropriate way that isn’t simplistic. It connects the dots for them.”

“It is absolutely a core value for us to be part of the community, and that means more than writing a check,” explains Haley Rosengarten, Senior Associate of Community Affairs. “It’s a priority for us to make a deeper investment in our community through volunteerism. We want to connect our associates with clients, students and topics that are meaningful to them.”

above/right: Capital One volunteers always bring their best to the kids of JA BizTown. Says coordinator Haley Rosengarten, “I don’t send volunteers anywhere I haven’t been myself. We want associates to have an incredible experience, as well as create an incredible experience for the people we’re serving.”

6 ja maryland

In his numerous roles with Capital One across the country, Hazard has volunteered for JA about 25 times in JA BizTown and classroom settings. Now a manager of multiple associates, he also encourages others to serve.

“Being in the community is where we need to be. It’s better than any advertising,” he explains. “And what better place to have an impact than JA? It’s a respected name, has tested curriculum, and is very portable. We can spend quality time working with kids and not so much time preparing for it.

What we take back is the great feeling of being able to support a student’s success.”

In the Words of Our Students

How JA BizTown Volunteers Taught Them Real-Life Lessons

“I could use this experience for a lot of things when I get a job. I learned that if you work hard, you can succeed in life.”

“Thank you for working hard to help me learn more about the grown-up world. I am so happy you took time out of your day to help me.

Nobody has really done that for me that didn’t get paid. I really wish you could be there to see me write my first check to a real bank and know that it was all because of you.”

“I learned that being my parents is very stressful having to work for a long time, paying bills, and making sure you keep the money up.”

“It was a pleasure to work at JA BizTown, and it was fun. I would love to go there again. And when I’m old enough, I would like to volunteer there and help the younger kids.”

“I got to be an adult for a day. I got to learn what a CEO does and that was the best. All of the things I learned, enjoyed and experienced, I will take with me in my life.”

annual report 7

excerpts from student thanK you letteRs

Our students say THANK YOU to the JA partners, volunteers and educators who believe in the boundless potential of young people…

I really want to thank you for taking time out of your life to teach me.

I a lso wa nt to th ank you for mak ing me mo r e i nsp ir ed to be an ent r epr eneu r. When I become an ent r epreneu r, I w ill use the sk ills you taught me, l i ke a dvertis ing and how to m ake mone y i n business. I hope to be ve ry successful so th at I can become wo r ldw ide and h ave m y a dvert isements on TV and bill boar ds. My busi ness would probably be clothes o r shoes. Because of you, all of thi s j ust might h appen. You ar e awesome, a nd I appr eciate what you did fo r me.

– JA in a Day student

I’m soRry I cost so much.

Thank you, Mom, for paying all these bills.

Making choices and spending money is hard.

– JA Personal Finance Experience student

8 ja maryland

Thank you, thank you, thank you to all the helpers at JA BizTown.

I can’t stop saying thank you. You have been most helpful. Your ideas have given me thoughts of owning my own shop. I like the way you helped me understand money. It went along well with what I have learned in school. – JA BizTown student

Thank you for coming into our class and donating your time.

When you came in, you made it really easy for our class to understand the smartest ways to spend our money. It’s kind of hard to concentrate in class when doing bookwork, so when you came in we all really learned something. If you went into other classes, you could make them excited about their future! – JA high school program student

thanK You

Thank you for giving us the opportunity to see science and engineering at work and discuss careers with some amazing women.

– JA Job Shadow student

I like that I got to

expeRience what adults go thRough.

My perception of money has changed drastically. Now that I know about taxes and all of the money that everything costs, I appreciate what I have more.

Also, I’ve learned that school is extremely important when it comes to my future. This is because if I do well in school, I could get a good job that pays well enough to pay my expenses. For these good jobs, I have to be smart and do well in school – JA Finance Park Virtual student

Also, I had to make tough decisions at the end of the day. I enjoyed this experience, having fun while trying to stay in a real-life budget situation.

– JA Personal Finance Experience student

Thank you for sharing information that we can use almost every day of our whole adult life.

– JA in a Day student

annual report 9

events 2014

“what an event! the staff of PrimeLending had a great time at the bowl-a-thon. we thoroughly enjoyed helping such a great

50

20 new

collectively as a team!”

teams

160,000

participating companies

cause, while working

250

raised

super bowl-a-thon

ScoReboard Special thanks to the bowlers, coordinators, sponsors and donors who scored a strike for JA kids!

– Sharon M. Brown-Egbunine

Bowl-a-Thon Coordinator and Eastern Division Administrative Supporter, PrimeLending

15 events JA Super Bowl-a-Thon

scores big

10 ja maryland

What a win! Last year’s JA Super Bowl-a-Thon season was one for the record books—surpassing all previous records for fundraising. During the spring, JA of Central Maryland hosted fifteen events across the state, which raised a total of $160,000. More than fifty companies and their teams joined us for games, prizes, raffles, giveaways and much more.

“Supporters of JA understand that our ability to reach over 40,000 students in a school year depends on the success of our fundraising events, especially the Bowl-a-Thon, which continues to be our largest and most profitable,” said Colleen Ensor, JA Manager of Operations and Special Events. “Our 2014 Super Bowl-a-Thon companies used these events as a platform for engaging their employees in an activity that not only built morale, but also supported the local community in which they do business. They are participating to educate and empower students who could one day be members of their workforce.”

over

100

%

sponsorship growth

12

%

participation increase

Team Roster T h e s e pa r t i c i pat i n g c o m pa n i e s b r o u g h t t h e i r “ A ” g a m e t o t h e S u p e r B o wl - a - T h o n .

Veterans

Target Marketing Group

Accenture

Toyota Financial Services

ADP

Transamerica

BB&T

UBS

C.E.A. Scholtes & Associates

Weyrich, Cronin & Sorra

Cohn Reznick

Zurich north america

Ernst & Young

Rookies

IKEA

21%

Accountability Experts, Inc.

IKEA Direct

Allen & Shariff

Katz Abosch

Baltimore Business Journal

KPMG

revenue growth

Laureate Education, Inc. M & T Bank

Continental Title Group

MECU Miles & Stockbridge, PC

bowlers

Bechtel Power Corporation Brian Kurtzman & Family

McCormick & Co.

1,230

Bank of America

New York Life

eBay/PayPal First National Bank GE Capital

Northrop Grumman

Gliknik, Inc.

Ober Kaler PricewaterhouseCoopers, llp SB & Company, LLC

MACPA PrimeLending Randstad Professionals

SC & H Group, LLC Securityplus Federal Credit Union

Sandy Spring Bank Trusted Wealth Advisors LLP

Stanley Black & Decker

Wells Fargo Advisors

SunTrust Bank

Woodforest Bank

T. Rowe Price

Zentech

over

4,000

EndoRsements

JA students supported

Baltimore Beats Pittsburgh!

Go team! In a friendly competition between JA USA areas, JA of Central Maryland beat out JA of Western PA in the percent increase in fundraising and total amount raised per bowler.

Above, Jennifer Bodensiek (far right), President of JA of Central Maryland, accepts an award for these victories in The Great American Bowl-aThon Challenge. Also pictured are Kris Ponciroli of JA USA and Dennis Gilfoyle, our worthy opponent and President of JA of Western PA.

Cheers to the sponsors of our 2 0 1 4 s u p e r B o wl - a - T h o n e v e n t s !

BB&T

Miles & Stockbridge

SB & Company

New York Life

Stanley Black & Decker

Fogo de Chao

Ober Kaler

T. Rowe Price

GE Capital

PHH

IKEA

Randstad professionals

The Law Office of Jane Frankel Sims

Baltimore Business Journal

McCormick

annual report 11

events 2014

the way leading

merriment meals and

The Gathering Food Truck Festivals In October and May, JA participated in The Gathering’s popular food truck festivals in Owings Mills. The family-friendly events included many of Baltimore’s fabulous food trucks, drink specials, live music, and local vendors. What’s more, the festivals raised more than $1,600 for JA programs. We would like to thank The Gathering for selecting JA as a beneficiary and partnering with us to support our work with Central Maryland students.

JA Seminar Series Over 80 businessmen and women joined JA in a series of two leadership seminars last year. During the first workshop, “From Manager to Leader,” Alan Dobzinski—a JA board member, author, executive coach, and America's Accountability Expert—detailed ways that managers can get the best out of their teams to fuel innovation and foster a culture of excellence. Participants learned ways to lead people instead of managing tasks, and to motivate employees while holding them accountable for results. The interactive session raised more than $5,800 for JA programs in Central Maryland. Our thanks go to Dobzinski for donating his time and talents, and to our events sponsors, Zia's Cafe, Trusted Wealth Advisors, Laureate Education, Inc., Northwest Savings Bank and Centennial Surety Associates for supporting this career advancement opportunity for Baltimore-area businesspeople.

JA also hosted a second seminar featuring Sandler Training curriculum. The session, led

by Chris McDonell, President of McDonell Consulting & Development, Inc., included detailed strategies to effectively handle the most pressing and challenging conversations with employees. Attendees benefitted from tactics for preparing for difficult conversations and delivering feedback without damaging relationships. Thanks to the generosity of Sandler Training, McDonell and our sponsor, Laureate Education, Inc., we raised $5,500 to benefit JA kids.

12 ja maryland

a f e ast f o r

Fogo de Chao Benefit Dinner

foodies

For the fourth year running, Fogo de Chao presented their award-winning, authentic Brazilian cuisine to the delight of JA supporters. As in years past, the event was held in April to commemorate Financial Education Month. The dinner was our most successful ever—serving 165 diners and raising $8,250.

Guests enjoyed a gourmet dinner package that featured slow-roasted meats prepared and served by gaucho chefs. The experience also included a gourmet salad and sides bar, beverages and dessert – for a discounted price of only $50 per person. Fogo de Chao generously donated all proceeds to JA to support our financial literacy, work readiness and entrepreneurship programs.

summer camp super

JA BizTown Summer Venture Many kids imagine what it would be like to be a grown-up, and this past June, JA gave them the opportunity through its exclusive summer camp, the JA BizTown Summer Venture. During this week-long experience, students ages 9-12 had the opportunity to step into an adult’s shoes and operate a business, create marketing plans, develop money management skills and run the JA BizTown economy. The program featured special visits from employees and interns at PwC and KPMG, who served as mentors for our campers. The Y of Central Maryland’s Fit N Fun van also dropped by for some exciting activities that got the kids moving.

Thanks to the support of camp sponsor PwC, JA was able to offer this reality-based, hands-on program for local youth.

annual report 13

where your dollars go Allegany County Bishop Walsh Anne Arundel County Annapolis Elementary/Middle Arnold Elementary Arundel Bay Christian Academy Broadneck Elementary Central Elementary Corkran Middle Crofton Elementary Davidsonville Elementary Deale Elementary Eastport Elementary Folger McKinsey Elementary Germantown Elementary Glen Burnie Park Elementary Hilltop Elementary Jacobsville Elementary Jones Elementary Linthicum Elementary Lothian Elementary Magothy River Middle Marley Middle Meade Heights Elementary Monsignor Slade Catholic North County High Northeast High Pasadena Elementary Pershing Hill Elementary Rolling Knolls Elementary School of the Incarnation Severna Park Elementary Severna Park Middle South Shore Elementary Southern High St. John the Evangelist St. Mary's Annapolis St. Philip Neri Sunset Elementary Tracey's Elementary Windsor Farm Elementary Woodside Elementary

16 ja maryland

in 2014, funds were used to help students in the following maryland schools.

Baltimore City Abbottston Elementary Archbishop Borders Elementary Arlington Elementary/Middle Armistead Gardens Bais Yaakov Baltimore International Academy Baltimore IT Academy Baltimore Leadership School for Young Women Ben Franklin High Bluford Drew Jemison Bnos Yisroel of Baltimore Carver Vocational Tech High Cecil Elementary Commodore John Rodgers Coppin Academy Curtis Bay Elementary Digital Harbor High Dr. Martin Luther King Jr. Elementary Dr. Rayner Brown Academy Edgecombe Circle Elementary Middle Edmondson Westside High Eutaw Marshburn Excel Academy at Francis M. Wood Fallstaff Elementary Middle Francis Scott Key Elementary/Middle Furman Templeton Elementary George W.F. McMechen George Washington Elementary Gilman Graceland Park Elementary Green Street Academy Hampden Elementary/Middle Hampstead Hill Academy Holabird Elementary Middle James Mosher Elementary Lakeland Elementary Middle Maritime Industries High Monarch Academy Montbello Middle Morrell Park Elementary/Middle Mother Seton School Mt. Royal Elementary/Middle

New Era Academy Northeast Middle Northwood Appold Community Academy II Northwood Elementary Patterson Park Public Charter Paul Laurence Dunbar High Reginald F. Lewis High Rognel Heights Elementary/Middle Seton Keough High St. James and John St. Thomas Aquinas Tunbridge Public Charter Vanguard Collegiate Middle Waverly Elementary Middle William Paca Elementary Windsor Hills Elementary/Middle Yorkwood Elementary Baltimore County Bear Creek Elementary Elmwood Elementary Franklin Elementary Garrison Forest Gunpowder Elementary Imagine Discovery Charter Immaculate Conception Immaculate Heart of Mary John Paul Regional Catholic Lansdowne Middle Maryvale Preparatory Milford Mill Academy High New Town High Our Lady of Grace Our Lady of Hope - St. Luke Our Lady of Victory Overlea High Randallstown Elementary Randallstown High Riderwood Elementary Riverview Elementary Sacred Heart of Glyndon Sandy Plains Elementary School of the Cathedral of Mary Our Queen Shady Spring Elementary

St. Casimir Catholic St. Joseph, Cockeysville St. Joseph, Fullerton St. Michael the Archangel St. Stephen St. Ursula The Carver Center for Arts & Technology Villa Cresta Elementary Winand Elementary Woodholme Elementary Carroll County East Middle School Elmer Wolfe Elementary Mt. Airy Middle New Windsor Middle North Carroll Middle Northwest Middle Oklahoma Road Middle Robert Moton Elementary Shiloh Middle St. John Catholic Sykesville Middle West Middle Frederick County Ballenger Creek Middle Brunswick High Brunswick Middle Crestwood Middle Frederick High Gov Thomas Johnson Middle Heather Ridge Middle Linganore High Middletown Middle Monocacy Middle New Market Middle Oakdale High Oakdale Middle The Banner School Thurmont Middle Tuscarora High Urbana High Urbana Middle Walkersville High

Walkersville Middle West Frederick Middle Windsor Knolls Middle St. John Regional Catholic Visitation Academy Harford County Halls Cross Roads Elementary Mountain Christian Ring Factory Elementary St. Margaret Middle St. Margaret St. Joan of Arc Howard County 21st Century Learning HCPSS Applications and Research Lab Atholton High Bonnie Branch Middle Burleigh Manor Middle Clarksville Middle Dunloggin Middle Elkridge Landing Middle Ellicott Mills Middle Folly Quarter Middle Glenwood Middle Hammond High Hammond Middle Harpers Choice Middle Homewood Middle Howard High Lake Elkhorn Middle Laurel Woods Elementary Lime Kiln Middle Long Reach High Mayfield Woods Middle Mount View Middle Murray Hill Middle Oakland Mills Middle Patapsco Middle Patuxent Valley Middle Reservoir High River Hill High Stevens Forest Elementary West Friendship Elementary Wilde Lake High Wilde Lake Middle

St. Louis Resurrection-St. Paul St. Augustine Our Lady of Perpetual Help Kent County Galena Elementary Henry Highland Garnett Elementary Kent County Middle Millington Elementary Rock Hall Elementary Worton Elementary Queen Anne’s County Centreville Middle Grasonville Elementary Kent Island High Matapeake Middle Stevensville Middle Sudlersville Elementary Sudlersville Middle Washington County Boonsboro Elementary Boonsboro Middle Clear Spring Middle E. Russell Hicks Middle Hancock Middle/Senior High Northern Middle Springfield Middle St. Mary School Western Height Middle

annual report 17

the honor roll The Valedictorians: $50,000+

The Allstate Foundation OneMain Financial Services T. Rowe Price Associates, Inc. Toyota Financial Services The Salutatorians: $20,000+

Aegon Transamerica Foundation AT&T Baltimore Business Journal Bank of America Bechtel Corporation Capital One Citi Foundation E*Trade Maryland State Department of Education The Marion I. & Henry J. Knott Foundation McCormick & Co. Merritt Properties, LLC Northrop Grumman PricewaterhouseCoopers, LLP Sam’s Club Giving Program Stanley Black & Decker Wells Fargo Foundation Zurich North America The Principal’s List: $10,000+

BGE Carmax Dominion Foundation Goldseker Foundation Henry and Ruth Blaustein Rosenberg Foundation Legg Mason & Company, LLC MECU Mid-Shore Community Foundation P & G Fund of The Greater Cincinnati Foundation PNC SECU Venable Foundation, Inc. Wells Fargo Bank 18 ja maryland

The Dean’s List: $5000+

The Achievement Foundation Allegis Group Foundation Baltimore Life Companies BB&T Brown Advisory Group The Community Foundation of Howard County Continental Title Group CSX Transportation Ernst & Young First Financial Credit Union of Maryland Fogo De Chao Mr. Chris Giermek Goodwill Industries of the Chesapeake Groove Commerce Helen P. Denit Charitable Trust IBM International Brotherhood of Electrical Workers Mr. Chuck Langmead Mr. Gerry Lindner Miles & Stockbridge P.C. New York Life Insurance Company Obrecht Riehl Properties Ms. Suzanne Ricklin SunTrust Bank Y of Central Maryland Mr. William Yerman The Achievement List: $1000+

Accenture ADP, Inc. Baldwin Foundation Mr. Robert Barnes Ms. Jennifer Bodensiek BottomLine Growth Strategies Mr. Troy Brewer Mr. Joseph Bunch Mr. and Mrs. Nigel and Barbara Burdett Ms. Susan Burkom

ja gratefully acknowledges the support of the following donors.

Ms. Karen Campbell Mr. Ron Causey Mr. and Mrs. Bill and Ruth Clark CohnReznick Ms. Carol Coughlin Mr. Shawn Davis Delaplaine Foundation, Inc. Mr. Alan Dobzinski Don Splawn Chartiable Foundation Mr. Scott Dorsey eBay Foundation Eddie C. and C. Sylvia Brown Family Foundation Mr. Arthur Flach Mr. Marty Fletcher Foundation for Making Change Mr. Gene Frazier Freedom Federal Credit Union The Gathering GE GE Aviation Grant Thorton, LLP Hirschhorn Foundation Howard County Rotary Columbia Patuxent Huether-McClelland Foundation Ikea Ikea Direct The John J. Leidy Foundation Mr. Gregory Kallmyer Kent County Public Schools Laureate Education, Inc. Lehigh Cement Company Mr. Darrell Luzzo M&T Bank MassMutual Mr. Lee McChesney Metlife Morton and Sophia Macht Foundation P. Browne And Associates Consulting Mr. Edward Paulis PHH Arval PhRMA PrimeLending Randstad Professionals

Rosedale Federal Savings Mr. Jim Ryan Saul Ewing, LLP SB & Company, LLC SC&H Group, LLC Sylvan Laureate Foundation Ms. Karen Syrylo Talcott Gran Charitable Trust Target Mr. Matt Turpin UBS Financial Services WalMart WBAL Kids Campaign Weyrich, Cronin & Sorra, Chartered Whiteford, Taylor & Preston, LLP ZenTech The Rising Stars List

Mr. and Mrs. Edye and Steven Abrams Mr. and Mrs. William and Amy Adams Ms. Jenna Adle Mr. Frederick Albrecht Ms. Sandra Jones Albright Allen & Shariff AmazonSmile Mr. Roland Anna Mr. Bob Altieri Ms. Christina Antoniades Arundel Federal Savings Bank Atlantic Broadband Ms. Melissa Becker Mr. Tom Beckett Mr. and Mrs. Blumenthal Ms. Kaitlin Bowman BP Foundation Mr. Ryan Branon Ms. Rebekah Brown Ms. Patricia Browne Mr. Bradley Burgunder Ms. Kelly Burke Business Volunteers Unlimited Mr. Shawn Cahall Ms. Joy Cain Mr. Sheldon Caplis

Mr. Brandon Carrera Ms. Lolita Carter-Ross Mr. Matt Casciano Mr. Brian Casto C.E.A. Scholtes Mr. Carlos Celis Centennial Surety Associates Ms. Erin Charles Ms. Kelly Chin Ms. Robyn Ciurca Ms. Stephanie Clancy Ms. Shelva Clemons Mr. and Mrs. J Fred & Jean Close CNB Mr. Jason Cooke Ms. Elizabeth Cowell Mr. W. Tal Daley Ms. Angela DeMoreland Ms. Kimberly Denis Mr. Marvin Diaz Mr. John Dinkel Sharma Diwaker Ms. Karen Dojan Ms. Shobita Dubois Eastern Savings Bank Mr. Norman Endlich Ms. Colleen Ensor Ms. Penny Ethridge Ms. Kim Fabian and Mr. Ian Mutton Mr. Sean Fanning First National Bank Ms. Jonaye Ford Ms. Carol Frontera Ms. Karen Gibbs Ms. Aileen Gibson Mr. Terry Gilleland GiveCorps Foundaiton Gliknik Ms. Rebecca Golloub Ms. Janet Gomez Ms. Kimberly Gooder The Great Cookie Greater Horizons Habitat for Humanity

Haha Brands Mr. and Mrs. Don and Lisa Hall Ayedh AL Hajri Ms. Eileen Harrington Mr. Stephen Hazard Ms. Amy Herko Mr. Paul Holden Mr. Albert Homiak Mr. Matthew Jackson Ms. Stephanie Jacobs Ms. Loretta Jergensen Ms. Janet Jett JP Morgan Chase Ms. Eva Kantorow Katz, Abosch, Windesheim Ms. Stephanie Keemer Kent County Chamber of Commerce Mr. Johnny Kim Ms. Tiffany King Ms. Lori Kirby Mr. George Kirkley Mr. Jeffrey Klima Ms. Melissa Komenski Ms. Randy Komenski Mr. WIlliam Knoll KPMG Mr. Brian Kurtzman Ms. Jennine LaCroix Ms. Jo Lare Law Offices of Jane Frankel Sims, LLC Ms. Catherine Lawrence Ms. Kimberly Levush Mr. Lou Leyes Ms. Sandra Liotta Ms. Jocelyn Lopez Mr. Thomas Lyons M. S. Electrical Training, LLC MACPA Mr. George Magnotta Ms. Kathleen Marshall Ms. Patrick Masler Mr. and Mrs. Julia and Michael Mazzola Ms. Kathleen McIntyre

Ms. Kimberly Mercaldo Ms. Sarah Merchant Mergis Group Ms. Elizabeth Mescher Ms. Kellie Miller Ms. Monica Mitchell Mr. Frank Monyeh Ms. Lynn Mosby Mr. Bradley Myers Network for Good Northwest Savings Bank Mr. Adam Novotny Ms. Kelly Oakey Ober Kaler Ms. Carol Obrecht Mr. John Olson Ms. Jeannemarie Patella Ms. Lisa Pedersen The Peoples Bank Ms. Kathleen Rand Mr. Don Rea Ms. Diana Redding Mr. and Mrs. Robert & Lauren Reiners Mr. and Mrs. Mitchell and Elisabeth Reiss Ms. Christine Reshetiloff Mr. James Rich Ms. Nancy Roes Ms. Sylvia Rudy Mr. Jeff Rupp Ms. Kirsten Sandberg Sandy Spring Bank Ms. Tricia Schilling Ms. Tammy Schneider Ms. Jane Schroeder Schuh Family Foundation Mr. Michael Schuncke Ms. Stacey Schwink Ms. Victoria Sciortino Ms. Malinda Seagraves Security Plus FCU Mr. Scott Shannon Mr. Tom Shen Mr. and Mrs. John and Ellen Shull

Ms. LaRee Siddiqui Ms. Jane Frankel Sims Mr. Steve Smalley Ms. Rosa Matos-Snowden Ms. Mandy Snyder Mr. Daniel Solomonraj Ms. Sheryl Stollof Ms. Michelle Stutz Target Marketing Thomas, Bennett & Hunter, Inc. Tiboni Associates Trusted Wealth Advisors Mr. Samuel Twene Mr. David Vahos Ms. Anna Vasquez Vision Tech Services Ms. Laura Visioni Mr. Dan Ward Mr. Dave Webb Ms. Beth Van Wie Mr. and Mrs. Christopher and Angelina White Mr. Daniel White Mr. James Wilhelm Ms. Rene Wilkins Woodforest Bank Ms. Erica Yamaner Ms. Angela Sue Yerecic Mr. and Mrs. Roger and Kristin Young

annual report 19

partner organizations 21st Century Learning Centers Anne Arundel County AVID Program Anne Arundel County AVID Advisory Board Assurant Educational Alliance Baltimore City Teachers Union Baltimore County Academy of Finance Baltimore County AVID Program Baltimore County Public Schools Business, Management, and Finance Advisory Board Baltimore County Workforce Development Council Boys and Girls Clubs Bridges Over Howard County Carroll County Chamber of Commerce Child First Authority, Inc. Elev8! Baltimore Engaging Youth Entrepreneurs for Change Financial Planning Association of Maryland Future Business Leaders of America Higher Achievement Baltimore Homeschoolers Hanging Out Howard Community College Howard County Academy of Finance

Howard County Chamber of Commerce Howard County Financial Education Alliance Howard County Housing and Community Development

Career Academy

Howard County Public Library

Owings Mills Chamber of Commerce

Howard County Public Schools Business Management and Finance Board Howard County Youth Development Coalition

Stevenson University St. Francis Neighborhood Center

Learning, Inc.

Target Community and Educational Services Inc.

makingCHANGE

Towson University

Maryland Association of CPAs

Washington College Students in Free Enterprise

Maryland Business Roundtable for Education Maryland Chamber of Commerce Maryland Coalition for Financial Literacy Maryland Council on Economic Education

We Work for Health University of Maryland Baltimore County University of Maryland School of Social Work Urban Alliance Baltimore

Maryland DECA

Y of Central Maryland

Maryland State Department of Education Business Management and Finance State Advisory Council

Yo! Baltimore Westside Community Center

Maryland State Department of Education Financial Literacy Design Team Mayor’s Office of Employment Development – Baltimore City

annual report 15

Unrestricted net aassets Revenue and Support

Contributions $1,173,210 Special Events $166,819 Government $65,106 Fees for Service In-kind $180,537 Other Income $15,248 Net Assets Released from Restrictions $2,859 Total Revenue and Support

$1,603,779

EXPENSES Program Services Supporting Services Total Expenses

$1,366,279 $217,132 $1,583,411

CHANGE IN UNRESTRICTED NET ASSETS

$20,367

Unrestricted Net Assets, Beginning of Year

$599,345

UNRESTRICTED NET ASSETS END OF YEAR

$619,712

Assets Current Assets Cash and Cash Equivalents Investments Pledges and Other Receivables Prepaid Expenses

$228,796 $18,143 $286,582 $19,814 $553,335

Total Current Assets

Long Term Assets Long Term Pledges and Other Receivables Property and Equitment Total Long Term Assets

$66,170 $52,813 $118,983

Total Current Assets

$672,318

Liabilities and Net Assets Current Liabilities Accounts Payable and Accrued Expenses Deferred Revenue

$43,406 $9,200

TOTAL LIABILITIES

$52,606

Net Assets Unrestricted

$619,712

TOTAL NET ASSETS

$619,712

TOTAL LIABILITIES AND NET ASSETS

$672,318

annual report 21

“junior achievement is able to impart knowledge in a non-threatening way that resonates among our children and connects classroom learning to real life.”

– JA of Central Maryland board member

ja boaRd of diRectoRs office R s Arthur Flach Chair Managing Partner Grant Thornton Gerry Lindner Vice Chair AABS/Partner Ernst & Young, LLP William L. Yerman Vice Chair Chairman Continental Title Group

22 ja maryland

Susan Burkom Secretary Managing Director Internal Audit Services KPMG, LLP Roger Young Treasurer Financial Advisor Wells Fargo

membeRs Robert A. Altieri Executive Vice President President, Mortgage Division Chief of Specialty Lending Howard Bank Robert T. Barnes Former Manager of Lean Initiatives & Manufacturing Best Practices Northrop Grumman

Carol L. Coughlin CPA, MBA, CEPA CEO/Founder BottomLine Growth Strategies, Inc. W. Talbot Daley Managing Director ClearBridge Advisors, LLC John Dinkel Publisher Baltimore Business Journal

C. Gregory Kallmyer CFP, Vice President The Kallmyer Group UBS Financial Services Inc.

Suzanne Ricklin Vice President, U.S. Investment Services T. Rowe Price Group, Inc.

Tiffany T. King, CPA Vice President and Controller The Baltimore Life Companies

Jeff Rupp Managing Partner SERVPRO

Louis Leyes Advisor, Trusted Wealth Advisors, LLP

Jim Ryan Chief Marketing Officer OneMain Financial

Jennifer Bodensiek President & CEO Junior Achievement of Central Maryland, Inc.

Alan Dobzinski President Accountability Experts, Inc.

Darrell A. Luzzo, Ph.D. Divisional Vice President of Academic Operations Laureate Education, Inc.

Kirsten E. Sandberg Senior Vice President Private Client Advisor Bank of America

Ryan Branon Sales Executive, IBM

Scott Dorsey President Merritt Properties, LLC

Lee McChesney CFO, CDIY Group Stanley Black and Decker

Troy Brewer Senior Vice President Investment Officer The Brewer Investment Group of Wells Fargo Advisors, LLC

Marty Fletcher Managing Partner Whiteford, Taylor & Preston, LLC

Monica Mitchell Vice President, Wells Fargo

Lisa Schwartz Business Banking Regional Manager M&T Bank

Patricia Browne President & CEO P. Browne and Associates Consulting Joseph G. Bunch Director, Regional Electric Operations North/East, BGE Brian W. Casto General Counsel GEA Process Engineering, Inc. Ron Causey Managing Director SC&H Group, LLC Shelva Clemons Spokesperson The Allstate Foundation

Gene Frazier Branch Manager PrimeLending David J. Garbarino Baltimore Market President BB&T Christopher P. Giermek Partner PricewaterhouseCoopers, LLP Paul Holden Senior Vice President Bank of America Ranak Jasani Principal, Miles & Stockbridge

Bradley Myers Vice President Sandy Spring Bank Ed Paulis Corporate Law Department, VP & Assistant General Counsel, Zurich North America Deborah Phelps Director, The Education Foundation of Baltimore County Public Schools Donald Rea Attorney at Law/Partner Saul Ewing, LLP

Karen T. Syrylo, CPA Principal, State and Local Tax Altus Group Mac Tisdale President First National Bank Matt Turpin President, Zentech David D. Webb Executive Vice President OutsourceIT Rene Wilkins HR Business Partner, P/CS and Sykesville Campus Northrop Grumman Electronic Systems

Robert J. Reiners Vice President, Global Industrial Strategy McCormick U.S. Industrial Group annual report 23

helping young people thrive in our rapidly changing world

JA is the largest organization dedicated to giving young people the knowledge and skills they need to own their economic success, plan for their future, and make smart academic and economic choices.

Junior Achievement’s programs—in the core content areas of work readiness, entrepreneurship, and financial literacy—ignite the spark in young people to experience and realize the opportunities and realities of work and life in the 21st century.

10711 Red Run Blvd Suite 110 Owings Mills, MD 21117

phone 443.394.7211 web jamaryland.org 24 ja maryland