Planning & Prospering Presents

The Financial
Literacy Platform
Built for Every Kid.

Financial Literacy for Every Child.
Every Background. Every Future.

FinSmarts Academy is a K–12 youth financial literacy platform delivering age-calibrated education through games, curriculum, certifications, and live programming — for families, schools, and community organizations.

Join the Waitlist → Explore the Platform

K–12 COVERAGE AGES 5–18 SCHOOL READY FERPA COMPLIANT GRANT ELIGIBLE

1,000+

Youth Reached

FinSmarts Academy Platform Now Enrolling

4Learning Tracks

6Platform Pillars

K–12Coverage

Learning Tracks

Explorer

Ages 5–7

Builder

Ages 8–10

Strategist

Ages 11–13

Investor

Ages 14–18

Why It Matters

Financial illiteracy is
preventable.

Yet despite its outsized impact on life outcomes, financial education remains absent from most American classrooms and households. The statistics are stark — but they are not inevitable.

US states require personal finance education for graduation — that number is growing fast

$1T+

in student loan debt — most attributable to financial decisions made without education

5 yrs

of hands-on youth financial literacy programming by Planning & Prospering

K–12

full curriculum coverage — the only platform designed to grow with every child

"Financial illiteracy is one of the most predictable and preventable causes of generational poverty. The solution requires a sustained, engaging, age-appropriate platform that meets young people where they are — and grows with them."

— FinSmarts Academy Vision Document, 2026

Existing solutions are either too academic (textbooks, worksheets) or too simplistic (basic games). Neither serves the full K–12 spectrum.

No platform connects meaningfully to the families, schools, and community organizations that influence young people most.

Financial literacy gaps disproportionately impact underserved communities — the exact communities FinSmarts Academy is built to reach.

Platform Architecture

Not an app.
An ecosystem.

FinSmarts Academy is a six-pillar youth financial literacy ecosystem. Each pillar serves a different audience and generates a different revenue stream — all reinforcing the same mission.

🎮

Learning App & Games

Interactive, game-based learning with age-calibrated modules, financial simulations, daily streaks, and achievement badges. The free front door that feeds every other revenue stream.

Lead Generator

📚

Curriculum Library

Standards-aligned lesson plans, video modules, worksheets, and assessments for parents, homeschoolers, and teachers. Organized by grade level and aligned to Jump$tart standards.

Recurring Value

🏫

School Licensing

B2B site licenses for schools and districts. Campus-wide access, educator dashboards, student progress reporting, and full FERPA/COPPA compliance.

High Value B2B

🎤

Live Programming

After-school clubs, Saturday academies, summer intensives, and virtual cohorts. In-person experiences no digital-only competitor can replicate.

Premium Revenue

🏆

Certifications & Badges

Level certificates students earn and parents share. Explorer, Builder, Strategist, Investor — printable, shareable, and meaningful enough to put on a college application.

Viral Growth

🏦

Institutional Partnerships

Co-branded experiences for banks, credit unions, and nonprofits. CRA-compliant investment vehicles that give financial institutions measurable community impact.

High Margin

Learning Tracks

Four tracks.
One journey.

Every child starts where they are. Every track meets them there. FinSmarts Academy is the only financial literacy platform with true K–12 curriculum continuity — designed to grow with every student from kindergarten through graduation.

Track 01 Explorer Ages 5 – 7 K – 2nd Grade

Coin identification & value
Counting money
Saving vs. spending
Needs vs. wants
Making change
Budgeting basics

Track 02 Builder Ages 8 – 10 3rd – 5th Grade

Banking & savings accounts
Earning & income
Expenses & budgeting
Goal setting
Intro to entrepreneurship
Smart purchasing

Track 03 Strategist Ages 11 – 13 6th – 8th Grade

Budgeting & the 40/20/40 method
Taxes & take-home pay
Credit scores & debt
Compound interest
Stock market basics
Business fundamentals

Track 04 Investor Ages 14 – 18 9th – 12th Grade

Portfolio building
Business P&L
Income taxes
Investing strategies
Retirement planning basics
Wealth building principles

Who We Serve

Built for the communities
that need it most.

FinSmarts Academy serves five distinct audiences — each with their own entry point, their own value, and their own role in building a financially literate generation.

👨‍👩‍👧

Families & Parents

Parents actively investing in their children's financial future — whether motivated by their own financial struggles or a desire to give their kids a competitive advantage.

Working parents seeking trusted screen time
Seminar attendees extending learning at home
Homeschooling families needing curriculum
Grandparents purchasing for grandchildren

🏫

Schools & Districts

As personal finance mandates grow across US states, schools are actively seeking compliant, engaging, and affordable curriculum solutions for every grade level.

Elementary schools lacking financial curriculum
High schools with new graduation requirements
Charter schools with flexible budgets
Districts seeking a scalable K–12 solution

🤝

Community Organizations

Our most immediate opportunity — built on five years of real relationships with mentorship organizations and community groups in underserved neighborhoods.

Junior Kappa League — 5-year existing partnership
Boys & Girls Clubs, Big Brothers Big Sisters
Faith-based youth education programs
HBCU pipeline and community programs

🏦

Financial Institutions

Banks, credit unions, and financial advisors with CRA obligations and a strategic interest in attracting the next generation of customers and clients.

Community banks & credit unions (CRA)
National institutions seeking youth CSR
Financial advisors serving families
Corporate financial wellness sponsors

Pricing

Accessible at
every level.

Every tier includes full platform access. No child is priced out. No school is left behind. No organization faces a barrier to entry.

01 — Family

Family Membership

For parents who want trusted, ad-free financial literacy at home. Unlimited children per household.

$9.99

Per month · or $79/year

✓All 4 learning tracks · ages 5–18
✓Interactive games & simulations
✓Progress tracking & certifications
✓Printable worksheets & guides
✓Works offline on any device

Join the Waitlist

Educator Bundle

For seminar hosts, coaches, and educators sharing FinSmarts Academy with their audience.

$49

One-time · unlimited sharing

✓Everything in Family
✓Unlimited family distribution
✓Branded with your name & logo
✓Printable parent & teacher guides
✓Custom welcome messaging
✓Priority support

Get Educator Bundle

03 — Institution

School License

For schools and districts requiring campus-wide deployment, reporting, and curriculum documentation.

$499+

Per year · whole school

✓Everything in Educator
✓School-wide deployment
✓Teacher dashboard & reporting
✓Standards alignment documentation
✓FERPA & COPPA compliant
✓Dedicated onboarding call

Contact for Schools

Grant Funding

Purpose-built
for grant funding.

Financial literacy, youth development, equity in education, and community economic empowerment are among the most consistently funded areas in philanthropy. FinSmarts Academy qualifies for all of them.

Jump$tart CoalitionEducation grants & partnerships

CFPBYouth financial education

Charles Schwab FoundationFinancial literacy funding

Citi FoundationCommunity empowerment

JPMorgan ChaseWorkforce & financial literacy

CRA SponsorshipsBank & credit union compliance

About

Meet the founder.
Emmanuel S. Desmolieres, CLTC®

Emmanuel S. Desmolieres, CLTC® is a financial professional and insurance strategist affiliated with New York Life Insurance Company, and the founder of FinSmarts Academy and Planning & Prospering.

What separates FinSmarts Academy from every other financial literacy platform is simple: the founder actually does this work. Emmanuel brings active professional expertise in insurance strategy, retirement planning, and wealth protection — translated into age-appropriate curriculum that reflects how money actually works.

Emmanuel's professional practice spans retirement planning, full protection planning — including long-term care, disability, and life insurance — as well as legacy planning and business solutions. That real-world financial expertise is the backbone of every curriculum, every lesson, and every program FinSmarts Academy delivers.

Proven Track Record

5+ years of hands-on youth financial literacy programming

Hundreds of young people taught. Real outcomes documented.

Flagship Partnership

Junior Kappa League — 5-year existing relationship

Built-in pilot audience and institutional validation from day one.

Professional Affiliation

Financial Professional · New York Life Insurance Company

Retirement planning · Protection planning · Legacy planning · Business solutions

Standards Aligned

Jump$tart National Personal Finance Standards

School-ready curriculum that meets every state mandate.

Founder of FinSmarts Academy — Planning & Prospering

CLTC® Certified

Emmanuel S. Desmolieres, CLTC^® Financial Professional & Insurance Strategist · New York Life

Get Started

Two paths.
One mission.

Whether you're a parent ready to invest in your child's financial future, or a school and organization ready to bring FinSmarts Academy to your community — there's a path for you.

👨‍👩‍👧

For Families

Join the waitlist for the FinSmarts Academy family membership. Be first to access the platform when we launch — and get early-bird pricing.

Early access to the full platform
Founding member pricing locked in
First to access new content and tracks
Direct line to the FinSmarts Academy team

Your Name

Email Address

Children's Ages

Join the Waitlist →

🏫

For Schools & Organizations

Book a 30-minute discovery call to explore how FinSmarts Academy can serve your school, district, or community organization.

School and district site licensing
Community organization partnerships
Corporate and institutional sponsorships
Custom programming and workshops

Contact Name

Organization

Email Address

Organization Type

Book a Discovery Call →

Financial Literacy for Every Child

Every child deserves a
financial foundation.

Financial literacy is not a privilege reserved for certain families or certain schools. It is a right — and FinSmarts Academy is how we make it a reality for every child, every background, every future.

Join the Waitlist → Book a Call for Schools Explore the Platform

The FinancialLiteracy PlatformBuilt for Every Kid.

Financial illiteracy ispreventable.

Not an app.An ecosystem.