IV Foundations of Personal Finance IV
The authors and publisher would like to thank the following industry and teaching
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Laura S. Beaton
GED Instructor
Mount Vernon Adult Complex
Henrico, Virginia
David M. Candelaria
Tech Coordinator, Department Chair
Career and Technical Education
Del Norte High School
Albuquerque, New Mexico
Maureen M. Demers, CFP®
Principal
Demers Financial Planning
Methuen, MA
Suzanne Dowd, G-W Advisory Council
Team Leader, Family-Consumer Science
Family-Consumer Science Teacher
Plano West Senior High School
Plano, Texas
Lynn Falk, G-W Advisory Council
Business Educator
Bemidji High School
Bemidji, Minnesota
Delia Fernandez, MBA, CFP®
President
Fernandez Financial Advisory, LLC
Los Alamitos, California
Laura Hildebran
Business Teacher
River Bend Middle School
Claremont, North Carolina
Clarissa R. Hobson
CFP® /Senior Financial Planning Advisor
Carnick & Kubik, LLC
Colorado Springs & Denver, Colorado
Michael Koch
Vice President
Insurance Services
Wilder, Kentucky
Christy R. Sellers
Business & IT Teacher
Robert E. Lee High School
Staunton, Virginia
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IBCC Coordinator/ BIT-CTE Teacher
J.E.B. Stuart High School
Fairfax County Public Schools, Virginia
Randy R. Sims
Mortgage Loan Offi cer
Huntington National Bank
Columbus, Ohio
John L. Sorah, EdS
Financial Literacy Instructor
Mill Creek High School
Hochton, Georgia
Cynthia M. Sweeney
Business Teacher
J.M. Alexander Middle School
Charlotte-Mecklenburg Schools
Huntersville, North Carolina
Jenifer C. Richards
Business Education Teacher
Spartanburg High School
Spartanburg, South Carolina
Lois L. Richardson, G-W Advisory Council
Teacher, CTE
Copperas Cove High School
Copperas Cove, Texas
Carin Pankros Roman, CFP®
Financial Planner
CCP, Inc. Financial Planning Services
Palatine, Illinois
Rick V. Wall
Career & Technical Education
Department Chair
Bailey Middle School
Cornelius, North Carolina
Warren Ward
Warren Ward Associates
Columbus, Indiana
Jason Weiss
CTAE Supervisor
Bibb County Board of Education
Macon, Georgia
Barbara Wiegand, G-W Advisory Council
FCS Instructor
Civic Memorial High School
Bethalto, Illinois