Subject: File No. 4-626
Affiliation: Adjunct Instuctor, Los Angeles Trade Technical College

April 25, 2011

The primary approach to educating the consumer investor is to teach and design successful financial education programs that will change the culture of how we teach, how we think and expose the concepts of managing money in our educational systems, from elementary school to college.
The academic vocational and financial institutions have a responsibilty to the future consumers and those already in the consumer market exposed to our financial systems, but with little knowledge to make adequate investment decisions for retirement or investing.
Knowledge helps to dispell fear and mistrust, empowering the consumer to desire to learn how to and when to be an effective and successfully investor in a safe environment.