2. Dear Friends, Trained over 320 educators in 30 distinct teacher training
courses on how to effectively meet the new state standards
Mission
The Economics Center is our region’s for economic and financial education. Those educators are tHe eConomICS Center IS tHe reGIon’S numBer one reSourCe For
leading provider of economic passing on that knowledge to 8,000 students locally.
information and resources for eConomIC anD FInanCIal eDuCatIon anD InFormatIon.
educators, students, businesses Provided 17 economic analyses to new and returning
and the community. Our economic clients. Work of this kind helps increase our visibility in the
education programs reach thousands community, strengthen and support the Economics Center’s COMMUNITy NEED
of students, and our research and overall education mission and, most directly, enables Economic and financial literacy is critical to the health of the
consulting activities inform policy business leaders and policy makers to make informed economy and to corporate profitability. Students attending
K-12 classrooms are the future economic drivers. The Center
Engaging Students,
and decision makers. Both serve as decisions that have a far-reaching and long-term impact on
building blocks of a strong economy our community. works to educate students and teachers, helping to build Empowering Educators,
and a prosperous community. a future workforce through comprehensive and relevant
Sean V. McGrory
On behalf of the Board of Trustees, I would like to thank the economic and financial education. Equipping Decision Makers
What sets the Economics Center apart is not only our mission
but the way in which we live it. Our education division works
Economics Center’s contributors; it is their dedication and
investment in the Center that is critical for the sustainability of our OUr MISSION through the Knowledge
The Economics Center exists to build a vibrant community
with teachers to improve their own content expertise, and by
implementing hands-on activities in classrooms that empower
work. I would like to recognize the University of Cincinnati and
Carl H. Lindner College of Business for its support and academic by inspiring students to appreciate and use their economic of Economics
students to develop their decision-making skills. We have taken leadership. Finally, I would like to acknowledge the Economics freedom and opportunities and by equipping policy makers
the lead in helping school districts develop ways to meet the Center’s staff: the impact their work has on the community is with sound economic analyses.
new state standards for financial education. impressive and I wish to thank them for their commitment to
the mission.
Through our research and consulting services, we help leaders of
many businesses, not-for-profits and governmental organizations As we embark on our 35th year, I am proud to see how our
make better policy and economic development decisions. Our work goes beyond the numbers and impacts the lives of young
expertise in key areas has earned the Center national renown.
Our approach –collaboration and empowering others to
students, knowledge of teaching professionals, and expertise of
business and government decision makers.
Donor Spotlight
succeed– reflects our core values and exemplifies the power of Mr. MALCOM (MAL) MyErS
the University’s engagement with the broader community. Sincerely,
Over 35 years ago, Mr. Malcolm Myers founded and the Center’s Director, Dr. George Vredeveld was
During the 2011 fiscal year, we have made great strides in and his business peers shared a vision hired to lead this mission. This visionary leadership and the
realizing our mission. Never has our mission been more relevant to educate youth about the economy, dedication of committed board members have played an
to the needs of the community. I am pleased to report that we: and to provide them with practical integral role in the Center’s success over the last three decades.
skills necessary to be productive To date, the Economics Center has trained 18,000 teachers and
Increased participation in the Stock Market Game by 12 citizens. That idea first gave way to impacted the lives of over 1,000,000 students.
percent over the previous year, engaging over 19,000 middle a series of summer seminars, held at
and high school students state-wide. Locally, 7,000 students the University of Cincinnati, that were “The Center has been fortunate to attract good people to serve
participated in this investment competition. The Stock designed to educate teachers about on the Board of Trustees,” states Mr. Myers. “It’s important to
Market Game has been shown to improve math scores and basic economic topics and provide keep them involved. They are the best advocates and supporters
educators deem it to be a leading tool for learning about them with tools to teach those concepts in classrooms. The for our work.” reflecting on the Center’s humble beginnings
saving and investing. business community and teachers involved found these and the dedication it took to build the organization that the
seminars to be valuable and informative. Center is today, Mr. Myers shares: “The Center has exceeded my
Involved 7,239 elementary students in the Student Enterprise expectations. I am passionate about the mission and continue to
Program (StEP), helping them understand basic economic Mr. Myers and a several other individuals who would later believe in the work.”
concepts. This year, we’ve been able to show that StEP become the Economics Center’s founding board of trustees,
provides a systemic change in the education of students recognized a need for reaching more teachers each year The Economics Center would like to thank Mr. Myers for his
and improves behavior, student confidence, and attendance and establishing an organization dedicated to the mission commitment to the Center and his continued support.
rates in urban schools. StEP has been integrated in half of all of economic education. In 1977, the Economics Center was
the elementary schools in the Cincinnati Public Schools and
Archdiocesan Catholic Inner-city Schools. In urban schools,
we are proud to have served over 2,400 students.
3. Community Impact: Engaging Students
2011 Market
STOCK MArKET GAME Madness: Over 700
third through fifth
In 2010-2011, the Economics Center increased participation grade students from
in the Stock Market Game by 12 percent over the prior year, 13 local schools came
together to buy,
engaging more than 19,000 students throughout the state. sell and advertise
The Stock Market Game is an online market simulation products from their
in which students manage and invest a virtual portfolio student-operated
of $100,000. For ten weeks each fall and spring, students businesses.
compete against other teams throughout the region to build
and manage the best-performing portfolio. A few notable
accomplishments:
The Center’s Stock Market Game partnered with StEP students from Hartwell Elementary (below left) and Prince
Newspapers in Education, a program dedicated to of Peace Elementary (below right) at school stores. Students
providing teachers with ideas and resources on how to have the choice to purchase goods with their earned school
use newspapers as a teaching tool in the classroom. This currency or save their money for “big-ticket” items.
collaboration expanded our reach to 10 new schools and
over 300 students. SMG Portfolio Challenge winners:
Cincinnati Country Day and McGuffey Foundation School (above)
eighth graders visit New York City investment firms-Jennison,
Partnership with Citigroup Financial Services allowed the
Lazard, and Goldman Sachs to present their winning portfolios.
Center to recruit more Cincinnati Public Schools teams,
providing many students in Western Hills High School,
Hughes High School, Shroder High School and several
others with the opportunity to participate in the program
for the first time.
In May, the Center hosted the 2nd Annual regional Stock
Market Game Portfolio Challenge. The top three student
teams were invited to present their winning portfolios to
a panel of judges; students competed for a chance to win
a trip to New york City, an effort supported each year by STUDENT ENTErPrISE PrOGrAM (StEP)
Ohio National Financial Services.
The Economics Center impacted 7,239 third through StEP students collectively earned more than three million
TODAy’S LEArNErS, TOMOrrOW’S LEADErS (TL ) 2
fifth grade students in Student Enterprise (StEP); 2,400 dollars in school cash throughout the year. On average,
of those students attended urban schools. StEP connects 44% of students chose to save more than half their
During the summer, twelve high school juniors participated the classroom to the “world of work” through practical earnings throughout the school year to buy “big-ticket”
in the Center’s three-week Today’s Learners, Tomorrow’s learning. The program teaches fundamental concepts items such as digital cameras, MP3 players or basketballs.
Leaders (TL2) program. Each student completed a rigorous 2011 Class: Today’s such as earning school currency for positive classroom This behavior exhibited students’ understanding and
college-level economics course. For the majority of students Learners, Tomorrow’s behaviors and academic improvement. These earnings can practice of good money management.
Leaders (above).
in this program, TL2 was their first college experience and be used to purchase real goods at a school store. During
Students toured Procter
a great opportunity to learn about career opportunities & Gamble and learned the year, 30 student-organized businesses were created in In May, the 5th Annual Market Madness event took
at leading businesses in our region. TL2 supplemented about supply and StEP classrooms. A few other noteworthy highlights of the place at the University of Cincinnati. More than 700 area
classroom instruction with practical learning that provided demand (left). program over the year: elementary students from 13 local schools put their
students with an inside look at the operations of companies entrepreneurial spirit to practice. Students showcased
such as Procter & Gamble, Citigroup Financial Services, The Community partners have become critical to StEP’s their businesses, received a college campus tour and
Ford Motor Plant and University Hospital. sustainability. Luxottica, Klosterman Bakery, WesBanco, used “debit cards” to purchase products and services from
Seton High School, Purcell Marian High School and peers in other schools.
reading Hilltop PTA each adopted a StEP elementary
school and helped carry out the program’s activities. This
partnership allowed the Center’s staff to expand StEP to
additional schools.
4. Community Impact: Empowering Educators
FINANCIAL EDUCATION INITIATIVE
The Economics Center’s Financial Education Initiative provides Provided teacher training through a full certificate program
and Equipping Decision Makers resources to local schools to better prepare them to meet the
new state mandate for economic and financial education.
to educators in the region with a goal of helping them
develop a solid understanding of economics and personal
Ohio Senate Bill 311, the “Ohio Core,” now requires that all high finance.
Volunteer Spotlight
school students must receive economics and personal finance
EDUCATOr PrOFESSIONAL DEVELOPMENT as a requirement for graduation. School districts that have worked with the Center to enhance
their financial education program include Madeira, reading,
Knowledge of basic economics is essential for every student, Kathy Hamm, President of Principled Over the course of the year, the Center’s Why Money Matters Mason, Winton Woods, Milford, Mt. Healthy, Princeton, ross,
and teachers are the Economics Center’s key partners in Wealth Advisors, took her passion for high school financial education program offered teacher Sycamore, Waynesville, and West Clermont.
working toward that goal. Well-trained educators are the best financial education to a new level by training opportunities, volunteer speakers from the business
and most sustainable vehicle for reaching several thousand teaching a 15-week personal finance community, and curriculum consultation services to local “As a new Economics teacher, the Center helped me out
students year after year. The Center’s teacher training program class at the Glen Este High School in school districts. tremendously in organizing the scope and sequence for a semester
is designed to increase depth of knowledge in financial West Clermont school district. Kathy course. I participated in several professional development courses
and economic concepts, sharpen instructional skills, and volunteered her time and helped the Specific milestones the Center reached this year: and received best-in-class resources. In addition, the Center
provide best-in-class resources for educators. The instructors’ Economics Center pilot financial literacy lessons that are provided contacts for classroom speakers, ranging from bank
collaborative approach encourages teachers to participate in intended to be taught by business community members. She Developed a full-semester course model that offers a branch presidents, insurance and financial agents, and the
discussions and share best practices with one another. The began her course by discussing the importance of goal setting; rigorous curriculum and pacing of lessons to help educators director of the Stock Market Game. It is clearly evident that the
Center is a valued, trusted partner for educators across the each student was required to set personal goals, such as saving teach foundational elements of personal finance. The leaders at the Economics Center are passionate about ensuring
region, committed to providing courses that are relational, for college or a car. The course content helped guide students course has been adopted by five local school districts. that students and teachers in Greater Cincinnati are learning
rigorous, and relevant. toward understanding what behaviors and actions were For districts that need to offer financial education in the Economics and Financial Literacy from resources that work.
required to achieve these goals. Kathy covered basic financial context of an existing course, the Center has designed an Thanks again.”
During the 2010-2011 academic year, the Center offered 30 literacy concepts including investing, money management integration model. This model integrated personal finance
professional development courses and trained 320 educators, and banking options, savings, credit and debt. content into existing curriculum over six weeks; typically in – Jim O’Connor,
ultimately impacting the quality of economic instruction for Government, Social Studies, or Business courses. Social Studies Department Chair,
8,000 local students. She stated, “Students seemed to really enjoy the class and Princeton High School
expressed gratitude for the information.” Kathy felt she got as
Thanks to the support from The Alpaugh Family Foundation, much, if not more, than she gave. “I felt both gratitude and love
the Center recruited education leaders from 13 districts to from these kids throughout the fifteen weeks. It was certainly well rESEArCH & CONSULTING DIVISION
participate in the Alpaugh Scholars Leadership Program. worth my time.”
Participants met several times throughout the year to The Center’s research and Consulting division provides
discuss community issues such as healthcare, social services, Since the lessons have been tested in the classroom, the economic data and analyses to help leaders respond to
government, and economic development. To date, over 180 curriculum Kathy has helped develop will be used to train new changing economic conditions, strengthen the local economy
education leaders from over 35 school districts have completed volunteers and give other business volunteers ready-made and improve the quality of life for residents. In fiscal year 2011,
this program. curriculum for teaching personal finance. the Center completed 17 projects and earned $553,883. A few
notable projects included:
World Choir Games Economic Impact Study which allowed
local organizers to effectively communicate the importance
of bringing this event to the region. The study estimated
that in 2012, this choral festival event will produce a total
economic impact of $73.5 million and attract 20,000 visitors
from more than 70 countries around the world.
People Working Cooperatively (PWC) Program Evaluation Cincinnati USA regional Chamber of Commerce Growth
was a successful collaboration with national energy report was produced as a result of an ongoing strategic
consultant, The Cadmus Group, Inc. The Center determined relationship with the region’s largest economic development
qualitative benefits of PWC’s local energy program. This organization. Annually, the Center quantifies the economic
evaulation project helped the Center’s research team and fiscal impacts of local businesses. In 2010, businesses
develop a new field of expertise. analyzed in the growth report generated $2.4 billion in
economic activity and directly accounted for 20,255 new or
retained jobs.
2010-2011Class of Alpaugh Scholars (above) touring Cincinnati with
Regional Chamber USA’s historian Dan Hurley.
5. 2011 2010
Statements revenues & gains unrestricted
temporarily
restricted total revenues & gains unrestricted
temporarily
restricted total
of Activities Contributions 614,388 24,725 639,113 Contributions 513,205 79,340 592,545
for the years ended Program revenue 1,079,796 — 1,079,796 Program revenue 1,021,727 — 1,021,727
Investment income 9,442 104,517 113,959 Investment income 7,642 121,057 128,699
June 30, 2011 & 2010 Gain on investments 50,440 99,328 149,768 Gain on investments 13,743 29,514 43,257
In-kind contributions 167,514 — 167,514 In-kind contributions 165,595 — 165,595
Net assets released from restrictions 259,007 (259,007) — Net assets released from restrictions 314,217 (314,217) —
total revenues & gains 2,180,587 (30,437) 2,150,150 total revenues & gains 2,036,129 (84,306) 1,951,823
temporarily temporarily
Expenses unrestricted restricted total expenses unrestricted restricted total
These financial statements
do not represent the complete
Program services 1,547,573 — 1,547,573 Program services 1,480,798 — 1,480,798 set of audited financial
Management & general 307,984 — 307,984 Management & general 576,431 — 576,431 statements for the Economics
Fundraising 142,063 — 142,063 Fundraising 152,122 — 152,122 Center. A complete set of
financial statements also
total expenses 1,997,620 — 1,997,620 total expenses 2,209,351 — 2,209,351 includes the Auditor’s report
and the Footnotes to the
Financial Statements, which
are omitted herein.
Change in net assets 182,967 (30,437) 152,530 Change in net assets (173,222) (84,306) (257,528) The Economics Center’s
complete audited financial
statements for the year ended
Net assets at beginning of year 865,009 1,253,956 2,118,965 Net assets at beginning of year 1,038,231 1,338,262 2,376,493 June 30, 2011 may be obtained
by visiting the Center’s Web site
Net assets at end of year 1,047,976 1,223,519 2,271,495 Net assets at end of year 865,009 1,253,956 2,118,965 at www.economicscenter.org.
Statements ASSETS 2011 2010 LIABILITIES 2011 2010 NET ASSETS 2011 2010
of Financial Cash & cash equivalents 468,882 457,443 Payable to related party 119,291 95,376 Unrestricted 1,047,976 865,009
Accounts receivable, net 233,934 177,823 Accounts payable & accrued expenses 15,434 4,765 Temporarily restricted 1,223,519 1,253,956
Deferred revenue 249,500 168,000
Position
Pledges receivable, net 244,985 215,053
Investments 1,705,867 1,523,846 Total net assets 2,271,495 2,118,965
Property & equipment, net 2,052 12,941 total liabilities 384,225 268,141
total liabilities 2,655,720 2,387,106
at June 30, 2011 & 2010 total assets 2,655,720 2,387,106 & net assets
6. Thank you to our Contributors
Individual Donors Board of trustees
edmund J. adams Kathleen C. Daly adrienne James William l. neyer Howard J. taragano
Mr. Chuck Abbott Mr. Michael J. Conaton Andy Holzhauser Timothy P. Murphy Marvin H. Schwartz
Mr. Edmund J. Adams Maggi Cook Mr. David A. Jackson Malcolm and ruth Myers Ms. Jaclyn Smith Frost Brown Todd LLC Messer Construction Sycamore Community Al Neyer, Inc. Macy’s Credit and
Company Schools
raye Allen Dave Dougherty Barbara M. Johnson Bill and Karen Neyer Melissa Solazzo peter a. alpaugh michael B. packard Customer Services
Peter Alpaugh Mr. Scott E. Durkee Ms. Jeannette Jones Shanna Osborne Mary Stagaman J. Jeffrey edmondson Donald Kaplan
Cincinnati Equitable HPO Ophthalmics margaret K. Valentine
In memory of Mr. Warren C. Falberg Mr. James Kautz Ms. Joan Peck Timothy & Katherine Insurance KnowledgeWorks Foundation Kaplan, Litwin, Kaplan &
Walter G. (Pete) Alpaugh Matt Fearn Shawn Kelley Lorrie and Gordon Penner Stautberg Associates Barry porter Valentine research
thomas a. Barefield Warren C. Falberg
Linda Antus Thomas L. & Mary E. Finn Ms. Christina Kelso Mr. David C. Phillips Sara A. Stearns Shawn F. Kelley Cincinnati, Ohio George m. Vredeveld
Greg & Vickie Baker Michael and Maria Fox Dr. Tom and Jane Kessinger Ms. Jennifer Pitzer Carol G. Talbot Ohio National Financial Visiting Nurse Association
Services Northwestern Mutual William t. robinson III University of Cincinnati
Brendan Banker Mr. Chad Frank Mr. Marvin Kolodzik Mr. Barry Porter Mr. Howard Taragano Crystal l. Faulkner Financial Network –
Tom and Carol Barefield Mr. John J. Frank Jr. Adrijana and Stefan Kowatsch Mrs. Patricia L. ragio Ms. Jennifer r. Taunton Douglas Bolton Kelley Financial Services Frost Brown Todd LLC ellen G. van der Horst
Cooney Faulkner &
Mr. David L. Belew Al Gaspari Dr. Valerie Krugh Mr. and Mrs. Dale D. rayney John and Susan Tew Cassidy Turley mary ronan Cincinnati USA regional
Mr. Greg Berting Mr. David Ginsberg Lisa Kuethe Megan reed Woodrow and Barbara Uible Stevens, LLC lisa Kuethe Chamber of Commerce
tony t. Brown Cincinnati Public Schools
David Brecount Mr. Donald Gorbandt John Lame Tom regan Ms. Margaret Valentine michael e. Fox nick Vehr
Huntington National Bank James russell
Otto Budig Lawrence L. Grypp Phillip Lanham Jeff and Theda rexhausen Dr. George M. Vredeveld T. Brown Consulting Group
Deloitte & Touche LLP margaret lawson Vehr Communications, LLC
Mr. robert W. Buechner Chris & Angela Habel John T. Lawrence, III Mark roberto Ms. rea Waldon t. Brian Brockhoff US Bank
Mr. Gregory Burgess richard Hansman Ms. Erika Lehman Mr. Gerald robinson Mr. Don Weston John J. Frank, Jr. Taft Stettinius & Hollister, LLP rea n. Waldon, phD.
Bailey Capital Partners timothy e. Stautberg
Margaret Burks Douglas and Diana Haskell Ms. Leslie Maloney Harry S. robinson Van and robin White Cassidy Turley Urban League of Greater
Gary lindgren The E.W. Scripps Company
Barbara and Jim Bushman Steve Hater James r. & Deborah B. Mason Mr. Wm. T. (Bill) robinson III Mr. Carl r. Whittenburg mark Cinquina Cincinnati
Christopher S. Habel Cincinnati Business
W.P. (Bill) Butler Ms. Nadyne Hayden Michael S. McGraw Ms. Mary A. ronan Mr. Steven A. Wilson PNC real Estate Banking David m. Szymanski roberta a. White
Frost Brown Todd LLC Committee
Mr. Hugh F. Campbell Lisa Hayes Mr. Howard McIlvain Mr. Steve rosfeld Mr. Chip Workman University of Cincinnati
richard o. Coleman Sean V. mcGrory Great Oaks
Ms. Chris Carleton Lucinda T. and Thomas D. Kathryn Merchant Marianne rowe Ann M. Wurster Carrie Hayden
Heekin Doug Moormann Jay rush Dr. Sourushe Zandvakili NextLevel Transportation Carol G. talbot Susan Zaunbrecher
Diane and William Carney Cincinnati, OH Miller-Valentine Group
Services
Edward F. Castleberry Mr. David F. Heflin Mr. John Morris James E. russell Mr. and Mrs. Allen Zaring Cincinnati, Ohio
terence l. Horan Howard mcIlvain Dinsmore & Shohl
Mr. Charles A. Cerino Neil Hensley Marjorie Motch Mr. Thomas r. Schiff michael J. Conaton
Oreson H. Christensen Denice Hertlein Sudesh Mujumdar Mr. John J. Schiff, Jr. Horan Associates LPK
The Midland Company
Paul W. Christensen, Jr. Christine E. & Alan F. Hollatz Julia Muntel Vivian & Jim Schwab
economics Center
Business and Foundation Donors StaFF
AK Steel Foundation
Al Neyer Inc.
CIC Agency Inc.
Cincinnati Bell Foundation, Inc.
The Helen Steiner rice
Foundation
PNC Bank
The Procter & Gamble Fund
University of Cincinnati
Provost Office
economics Center George m. Vredeveld, phD
President and Director
Ben passty, phD
Assistant research
Horan Associates US Bank aDVISory BoarD Professor
The Alpaugh Foundation The Cincinnati Enquirer Quadrant Financial
Douglas Haskell
The Andrew Jergens Foundation Insuresoft rotary Foundation of Cincinnati Vehr Communications, LLC Terrance L. Ashanta-Barker Barbara B. Henshaw Jeff rosen Assistant Director, lorrie penner
Foundation The Cincinnati Equitable J D Cloud Company LLP Scripps Howard Foundation Warren County Foundation Michael D. Baker robert L. Hoverson Fritz A. russ Academic Executive Assistant
Anonymous Insurance Company Jack J. Smith, Jr. Charitable John F. Barrett Thomas H. Humes Donald E. Schmidt
St. Elizabeth Hospital WCPO
Bailey Capital Partners The Cincinnati Woman’s Club Trust, PNC Bank and Karen B. David Belew David A. Jackson James E. Schwab David Heflin Jennifer pitzer, phD
State Farm Insurance Wells Fargo Advisors
Cooney Faulkner & Stevens, LLC Wachs, Co-Trustees Adrian Breen Jane Juracek-reherman William P. Sheehan Business Manager research Associate
Bank of Kentucky Strauss & Troy Wesbanco
Jostin Concrete J. Michael Brandt ralph Katerberg David O. Smith
Bardes Fund/ILSCO Corp. Council for Economic Education
Taft, Stettinius & Hollister LLP Western & Southern Foundation Lawrence H. Braun Jan-Michele Lemon Kearney Tom A. Steele adrijana Kowatsch Jeff rexhausen
Deloitte & Touche LLP Construction Inc
Bartlett & Company Diane C. Carney Kathleen L. Klink Barbara J. Stonebraker Assistant Director, Associate Director,
Thompson Hine LLP
Dinsmore & Shohl LLP Keating, Muething, & Klekamp Samuel M. Cassidy Charles P. Koch Michael A. Webb Development research
Boys and Girls Clubs of Greater Towne Properties
Cincinnati Duke Energy LPK Edward F. Castleberry Pranav G. Kothari John r. Westheimer
UBS Charles A. Cerino Donald D. Larson Donald E. Weston Valerie Krugh, phD Stephen Samuels
The C.W. Zumbiel Company Family Investment Services, Inc. MCF Advisors
United Way of Greater raymond r. Clark Charles D. Lindberg Harry M. Whipple Director, Student Business Development
Cassidy Turley The Fifth Third Foundation Messer Construction Company Phillip r. Cox James M. Lippert Chad P. Wick Enterprise (StEP)
Cincinnati
Castellini Foundation First Financial Bancorp Miller-Valentine Group richard K. Davis Stephen MacConnell Wayne r. Wickens Jaclyn Smith
University of Cincinnati
NAACP, Cincinnati Branch Michael A. Fisher ronald H. McSwain robert P. Wiwi Claire luby Marketing Manager
Central Clinic Behavioral Health Frisch’s restaurants, Inc. University of Cincinnati Jerry M. Galvin Juanita Mills John H. Wyant Development Coordinator
Services Frost Brown Todd LLC Ohio Insurance Institute
Carl H. Linder College Bill O’Gara Quentin Nesbitt Allen G. Zaring Jennifer taunton
Charles H. Dater Foundation Greater Cincinnati / Northern Ohio National Financial Services Victoria Gluckman Stan Pontius tom macDonald Assistant Director,
of Business
The Christ Hospital Kentucky African American Paycor Payroll Services Lawrence L. Grypp ronald B. raley Director, Financial Student Enterprise (StEP)
Chamber of Commerce J. Joseph Hale, Jr. Dale D. rayney Education Initiatives
Tom Heekin
Kimberly moon
Program Manager,
Student Competitions
