Grades K–2
Explorer
Ages 5–8
- Coins, Bills & Making Change
- Needs vs. Wants
- Saving vs. Spending
- The Piggy Bank Game
- My First Budget
K–12 · Every student, every grade
K-12 Financial Literacy Platform
Financial Confidence for every student.
FinSmarts Academy helps schools, families and youth programs teach money skills through guided lessons, simulations, games, real-world challenges and progress tracking that grows from kindergarten through graduation.
Standards-based lessonsDecision-based learningProgress dashboards
Student Progress Preview Sample
4Learning tracks
K–12One continuous journey
Money Mission CompleteStudents earn badges for budgeting, saving, credit, investing and entrepreneurship.
Why FinSmarts Exists
Financial illiteracy is not a small gap. It follows students into adulthood.
FinSmarts Academy was created because students need more than definitions. They need guided practice before real money decisions become real financial pressure.
We are not just teaching kids about money. We are helping them build confidence, choices, discipline and a future they can own.
Stats summarize findings from the TIAA Institute-GFLEC, the FINRA Foundation’s National Financial Capability Study, and the Council for Economic Education.
49%
Adults are missing key money concepts.
U.S. adults correctly answered only about half of the 2025 P-Fin Index questions, showing financial literacy remains low and stagnant.
Source: TIAA Institute-GFLEC, 202526%
Spending pressure is rising.
FINRA’s 2024 study found the share of adults spending more than their income rose to an all-time high for the study.
Source: FINRA Foundation NFCS, 202463%
Money stress is becoming normal.
Nearly two-thirds of adults said thinking about personal finances can make them feel anxious in the latest NFCS wave.
Source: FINRA Foundation NFCS, 202410M+
The education gap is being recognized.
New personal finance requirements are expanding guaranteed access for millions of K–12 students, but communities still need practical implementation support.
Source: Council for Economic Education, 2024
The Learning Method
Learn it. Practice it. Apply it. Track it.
A simple four-step loop that turns money concepts into real habits.
STEP 1
Learn the Concept
Age-appropriate lessons explain money in plain language.
Example: What is interest, and why does it matter for saving or borrowing?STEP 2
Practice the Decision
Scenarios, games and guided money missions let students choose, compare, adjust and reflect.
Example: Where should $25 in earnings go: save, spend, give or invest?STEP 3
Apply the Habit
Lessons connect to everyday behavior like setting goals, delaying spending and thinking long term.
Example: Build a savings goal and weigh tradeoffs to reach it faster.STEP 4
Track the Growth
Families, teachers and program leaders see completed modules, badges, strengths and areas needing support.
Example: Review missions and skills that need reinforcement.
Learning Tracks
Four tracks. One continuous journey.
Grades 3–5
Builder
Ages 8–11
- Ways to Earn Money
- The Future-First Formula™
- Savings Goals & Banking
- Intro to Investing
- Entrepreneurship Basics
Grades 6–8
Strategist
Ages 11–14
- Credit Scores & Debt
- Taxes & Take-Home Pay
- Compound Interest
- Budgeting & Money Systems
- Stock Market Basics
Grades 9–12
Investor
Ages 14–18
- Portfolio Building
- Business Profit & Loss
- Income Taxes
- Retirement Planning
- Real Estate & Net Worth
NOW ENROLLING · LIVE PROGRAM
Reserve a Seat
FinSmarts Presents: Money Masters
Earn it. Save it. Grow it. Own it. Four Saturdays of games, challenges and real money skills for kids in grades 3–5, ending with our Money Masters Market and graduation.
WEEK 1 · NOV 14Think Like a Money Detective
WEEK 2 · NOV 21Earn Like an Entrepreneur
WEEK 3 · DEC 5Save Like a Banker
WEEK 4 · DEC 12Budget Like a Boss
Money Masters is a live, in-person program. For our online learning tracks, see Builder above.
SatNov 14, Nov 21, Dec 5 and Dec 12, 1:00–2:00 PM. No class Thanksgiving weekend.
4one-hour Saturday sessions
12seats only, first come first served
$125per child for all 4 sessions, all supplies provided
WhereThe Club at New Territory
Who We Serve
One platform. Every learning community.
Families & Parents
- Parent-guided money lessons
- Homeschool-friendly support
- Visible progress for students
Schools & Districts
- Grade-level tracks
- Teacher-friendly activities and reporting
- Support for financial literacy mandates
Community Organizations
- After-school and summer delivery
- Flexible cohorts and workshops
- Focus on community impact and access
Financial Institutions
- Community impact partnerships
- Sponsored learning cohorts
- Co-branded education
Pricing
Simple plans. Every plan includes all 20 modules.
Choose what fits your household, classroom, school or district.
Individual
One child
$99
per year
- 1 student profile
- All 4 tracks
- Progress tracking
- Certificates
Family
Up to 4 children
$149
per year
- Up to 4 profiles
- Parent dashboard
- Certificates
- Priority support
Classroom
1 teacher, up to 35 students
$299
per year
- Teacher dashboard and reporting
- Standards-based lesson map
- Onboarding support
School License
Up to 10 teachers, unlimited students
$2,499
per year
- Admin dashboard
- School-wide reporting and analytics
- Live session add-ons
- Dedicated onboarding
District & Partner
Multi-school districts, nonprofits, institutions
From$8,000
per year
- Unlimited teachers and students
- Custom implementation planning
- Live and in-person programming
- Co-branding
- Grant guidance
Virtual workshopsLive sessions are available with any plan.
from $149per session
In-person sessionsLive sessions are available with any plan.
from $499per session
| Feature | Individual | Family | Classroom+ |
|---|---|---|---|
| All 20 modules | Included | Included | Included |
| All 4 tracks | Included | Included | Included |
| Completion certificates | Included | Included | Included |
| Multiple student profiles | – | Included | Included |
| Teacher and cohort reporting | – | – | Included |
| Live session add-ons | – | Optional | Included |
| Grant funding support | – | – | Included |
Early Access
Be first to bring FinSmarts Academy to your students.
Join the early access list for platform updates, pilot opportunities, founder pricing and rollout support.
- Platform updates as tracks launch
- Pilot opportunities for schools and programs
- Founder pricing
- Rollout support
Emmanuel S. Desmolieres, CLTC®Founder, FinSmarts AcademyFinancial Professional · Financial Educator · Insurance Strategist
Founder’s Vision
Meet Emmanuel
I founded FinSmarts Academy because financial literacy is a right, not a privilege. Teaching kids how money works early gives them the confidence to build a secure future.
A Planning & Prospering Initiative
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.