Join the Cornell Lab of Ornithology education team in Ithaca, New York for a one-of-a-kind program, July 16 – 19, 2019. Participants will experience four days of activities, guest speakers, and field trips highlighting best practices and the latest resources in using citizen science and inquiry to revitalize your educational program or classroom. Registration costs $495 (not including lodging). Visit the website to register and learn more about the program and lodging options.
Attend the nation’s largest professional event for teaching, administration, research, educator preparation, and advocacy in nature-based early learning. This year’s conference will take place July 31 – August 3, 2019 in Manchester, New Hampshire. Take part in engaging presentations, experiential workshops, site tours, and professional networking with nature-based early childhood professionals from around the country and beyond.
In A Sand County Almanac, Aldo Leopold set forth his most enduring idea – the “land ethic,” a moral responsibility of humans to the natural world. During this two-day Land Ethic Leaders workshop, held August 8 – 9, 2019, participants explore and deepen their own land ethic together through outdoor observation, environmental service, and reflective discussions. Afterward, they walk away with new relationships, tools, ideas, and facilitation skills that inspire creative ways to bring the land ethic back home.
Cost to attend is $200. This includes most meals during the program and program materials, including a copy of the Green Fire film licensed for public screening (a $350 value). Travel and lodging are on your own.
The 2nd Annual American Forest Kindergarten Association Conference will be held August 9 – 11, 2019 at Nature Nuts Forest School in Maple Valley, Washington. Learn valuable “tools of the trade” for best practices, business strategies, research, and advocacy from experts in the field, like keynote speaker Niki Buchan. Share successes and take advantage of networking opportunities with community gatherings throughout the conference. See examples of a program in action through observation of Nature Nuts, the first Cedarsong-accredited school.
LearningSCAPES is the conference for those who plan, design, equip, furnish, and maintain places where students learn. This year’s conference will be held October 4 – 6 in Anaheim, California. Join your colleagues for groundbreaking educational sessions, inspiring keynote speakers, and a showcase of state-of-the-art tools that move learning into the future.
Visit the website to register and learn more about conference programming, speakers, special events, and travel.
EDspaces is the gathering place for architects, dealers, preK-12 schools, colleges and universities, independent manufacturers representatives, exhibitors, and corporations to learn about trends and experience the latest products and services to enhance student learning. This year’s conference will be held October 23 – 25 in Milwaukee, Wisconsin.
Join Earth Force to learn how to incorporate civic experiences into your education programming. This three-day conference, held July 29 – 31, 2019 at the Stroud Water Resource Center in Avondale, Pennsylvania, provides hands-on training in action civics and environmental learning. Participants will gain skills in project-based learning, create a strong peer network, and learn from a variety of great guest speakers.
We will explore a variety of environmental topics and how they apply to participants’ communities. The Registration Fee ($375) includes tuition for the three-day event, a copy of Earth Force’s Community Action and Problem Solving Guidebook, numerous activities for student engagement, breakfast/ lunch for all three days, and ongoing support from Earth Force staff for a year. Scholarships are available for organizations willing to commit to hosting trainings in their own communities this fall. Contact Grace Scarsella at email@example.com for more information.
The 2019 National Children and Youth Garden Symposium (NCYGS) will be held July 10 – 13, 2019 at the University of Wisconsin Extension Pyle Center in Madison, Wisconsin. This year’s focus is Building Blocks for a Sustainable Future. NCYGS 2019 will explore innovative sustainable gardening curriculum and practices and “green” career resources and highlight model partnerships for attracting the human, financial, and intellectual capital needed to sustain youth gardening endeavors.
Save the date! The 10th National Farm to Cafeteria Conference will be held April 20 – 24, 2020 in Albuquerque, New Mexico. Hosted by the National Farm to School Network, this biennial event convenes stakeholders engaged in farm to cafeteria activities who are working to source local food and promote a culture of food and agricultural literacy across the country. Stay tuned for the Request for Proposals to present at the conference, which is expected to open in August 2019.
Registration is open for the North American Association for Environmental Education (NAAEE)’s 48th Annual Conference, to be held in Lexington, Kentucky from October 15 – 19, 2019. This year’s theme is Educating for a Just and Sustainable Future. NAAEE convenes one of the leading annual conferences for environmental education professionals, designed to promote innovation, networking, learning, and dissemination of best practices. The annual Research Symposium, held in advance of the conference, attracts new and established researchers to examine in-progress environmental education research and promote dialogue between researchers and practitioners.
Is your school ready to launch a new school garden program? Or, does your school have an existing garden team excited to expand their knowledge and reimagine what is possible in your school garden? Take your school garden to the next level with our friends at the Occidental Arts & Ecology Center. Join them this summer for their School Garden Teacher Trainings June 17 – 21 and July 8 – 12. CEUs are available and there is a $50 discount for teams of two or more from the same school. This course is appropriate for teachers, administrators, parent volunteers, and homeschoolers alike.
The 2019 Safe Routes to School National Conference will be held at the Hilton Tampa Downtown from November 12 – 14, 2019. Save the date for this opportunity to join hundreds of active transportation and public health advocates and practitioners from across the country for valuable networking, sharing best practices, and exploring one of Florida’s most vibrant and active cities. Early bird registration is now open.
Professional Development and GSNN PD Partner Resources
The Biomimicry Institute is the world’s leading nonprofit dedicated to innovation inspired by nature. Biomimicry offers an exciting project-based approach that helps teachers blend STEM and environmental education in creative, hands-on lessons students love. The Biomimicry Institute helps educators and organizations bring biomimicry into their teaching by providing curriculum and training, networking opportunities, and content development support. Learn more about our services and visit the online library, AskNature, for the resources and information you need to bring biomimicry into your teaching practice.
Veracruz Biomimicry and Design Expedition
July 5 – July 13, 2019
Immerse yourself in the beauty of Veracruz State while learning about biomimicry – the practice of developing sustainable technologies inspired by ideas from nature – with peers from all over the world. This event is designed for teachers, faculty, students, and professionals seeking an intensive, interdisciplinary, and experiential introduction to biomimicry in a vibrant natural setting. The ten-day expeditionary workshop will open your eyes, your brain, and your heart to new ways of engaging in the world around you. Along with international colleagues from a variety of disciplines, you will explore ten different ecosystems in Mexico’s beautiful Veracruz State as you learn to see nature differently and work your way through the biomimicry methodology to solve a design challenge.
Captain Planet Foundation supports educators with grants, resources, tools, and models to spark children’s curiosity, cultivate a love of nature, and engage students in science and engineering practices to solve real-world problems. Our programs and materials have co-evolved with education priorities over the years to ensure educators have the tools and strategies to meet their needs in and out of the classroom.
The Annual CELF Summer Institute in Education for Sustainability is an intensive multi-day workshop that equips K-12 teachers with practices and teaching methods to address the core concepts of education for sustainability – the intersection of social, economic, and ecological systems – and how the balance of those three systems is vital to a sustainable future, and relevant to all subject areas. Participants build a learning community and a common vocabulary around sustainability through hands-on activities, case studies, special guest presentations, and field work. The schedule includes supported planning time so that participants will have tangible materials to bring back to their classrooms.
The School Board Advocacy Toolkit from the Center for Green Schools is a free resource that helps green schools allies address sustainability issues and impact greener policies at the school district level. It is designed to make local green schools advocacy approachable and actionable. The toolkit contains talking points, template letters and presentations, sample policy language, and more for you to use to promote greener policy options related to any school sustainability issue.
The Cloud Institute for Sustainability Education works with schools and school districts to help them integrate Education for Sustainability (EfS) into their curriculum. Core services include consulting and leadership development (on-site and off-site); professional development and faculty coaching; curriculum design, assessment, mapping, and alignment; and school and community partnerships. The Cloud Institute holds an annual Summer Design Studio that enables educators, administrators, and program designers to learn how to design and embed EfS into curriculum, assessments, and programs.
Summer Curriculum Design Studio: Educating for a Sustainable Future
August 5 – 9, 2019
Omega Institute, Rhinebeck, New York
Join the Cloud Institute for a five-day curriculum design studio where educators, administrators, and program designers will learn how to design and embed Education for Sustainability into curricula, assessments, and performance tasks without the need for additional class time! The design studio includes working sessions, learning circles, coaching, peer review, and optional mini-sessions. Participants gain access to expertise, resources, and tools to reorient and enrich curricula as they create and develop units and protocols that educate for sustainability.
Come yourself or bring a team! Space is limited. Register today.
Community Works Institute (CWI) supports and promotes exemplary teaching strategies and practices for K-16 educators and community programs that support students in becoming caring, responsible, and active members of their communities. CWI offers a variety of professional development opportunities for K-16 and community-based educators in the United States and internationally, including on-site training, retreats, coaching, and consulting. Their signature offering is a series of summer institutes that integrate field-tested service-learning best practices and principles of sustainability to engage K-16 students in academically based service that contributes to sustainable communities.
2019 Summer WEST Institute on Place Based Service-Learning and Sustainability
July 22 – 26, 2019 • Los Angeles, California
Bring your vision, program, and project ideas to CWI’s acclaimed learning and design lab. Summer WEST is set in Los Angeles, one of the world’s most vibrant, culturally rich urban settings. Join us for a transformative week of project and program design, expert training and guidance, field work, and inspired networking.
EcoRise’s school-based program empowers youth to tackle real-world challenges in their schools and communities by teaching sustainability, design innovation, and social entrepreneurship. Our curriculum, classroom grants, ongoing training, and support engages educators and students in meaningful learning experiences. Our program empowers teachers to confidently champion sustainability and innovation in their classrooms, while students cultivate 21st century skills and sustainable living practices.
EcoRise is hosting two LEED Prep Institutes this summer! These in-depth teacher trainings, featuring our LEED Prep green building curriculum, will prepare students to sit for the LEED Green Associates Exam. Institutes will take place in Austin, Texas on July 29–30 and Westwood, Massachusetts on August 12–14. Learn more and RSVP for the Austin Institute at leedprepaustin.eventbrite.com and for the Westwood Institute at leedprepma.eventbrite.com.
EcoRise started PBL, design-thinking, and classroom grant teacher trainings this month. Please check EcoRise’s Eventbrite webpage to see when regional trainings are happening in your area!
Facing the Future is an international program, based out of Western Washington University, creating tools for educators that equip and motivate students to develop critical thinking skills, build global awareness, and engage in positive solutions for a sustainable future. The curriculum is organized around eight sustainability big ideas: Connecting with Nature; Equity and Justice; Health and Resiliency; Interconnectedness; Local to Global; Peace and Collaboration; Respect for Limits; and Universal Responsibility.
Facing the Future curriculum materials and resources are available for K-12 teachers, teachers in colleges of education, and for some community college and undergraduate classes. All materials are developed for teachers, by teachers, with best teaching and learning practices in mind and are aligned with Common Core Standards, Next Generation Science Standards, and most state standards frameworks.
The Green Strides Webinar Series provides school communities with the tools they need to reduce their schools’ environmental impact and costs; improve health and wellness; and teach effective environmental education. It provides all schools access to the resources that help them move toward the Pillars of the U.S. Department of Education Green Ribbon Schools recognition award. Sign up for Green Strides Webinar Series email updates to receive information on future webinars.
A product of the U.S. Green Building Council’s The Center for Green Schools, Learning Lab provides K-12 teachers and school leaders with comprehensive, project- and STEM-based curriculum that encourages student leadership, environmental literacy, and real-world action. Discover best-in-class content, training, and tools. Access their curated catalogue of lesson plans, interactive projects, assessment opportunities, and other multimedia resources in English and Spanish. Lessons are mapped to meet current educational standards and were created by educators, for educators.
Shelburne Farms is a nonprofit organization educating for a sustainable future. That means learning that links knowledge, inquiry, and action to help students build a healthy future for their communities and the planet. Its home campus is a 1,400-acre working farm, forest, and National Historic Landmark. Shelburne Farms’ school programs staff support student learning and educator professional development by offering experiences that inspire deep connections to community and a commitment to a healthy future.
Project Seasons for Young Learners: Cultivating Joy and Wonder
July 8 – 12, 2019
Are you looking for new ways to connect your program to the community outside of your classroom? Join us at the Farm for hands-on, interdisciplinary activities and explore ways in which these can be adapted to your own learning community. Connect with other early childhood professionals to share best practices over these four days in a picturesque setting, leaving you energized and inspired to create even more meaningful opportunities and experiences within your program.
Cost $575. Includes light breakfast and lunch; excludes accommodations and graduate credit. A limited number of partial scholarships are available. Learn more and register here.
The Summer Institute on Education for Sustainability
July 22 – 26, 2019
Spend five rich days with colleagues from around the country at an informative and restorative institute created to give you the opportunity to deepen your understanding of education for sustainability. This week is part conference, part workshop, part retreat. The 2019 Summer Institute will use the lens of sustainability to focus on local, regional, and global food systems.
Cost $600. Includes light breakfast and lunch; excludes travel and graduate credit. A limited number of on-site accommodations are available. Scholarships may be available on a need-based scale. Learn more and register here.
Education for Sustainability Immersion
August 15 – 16, 2019
This two-day Education for Sustainability Immersion provides an opportunity to reflect, learn, and collaborate with a small group of colleagues from across the country. The Immersion has a design studio feel with participants self-directing much of their work with a few inspirational speakers and workshops/explore times. Expect to take a deep dive into topics like place-based education, social justice, and systems thinking. This course is action-oriented with an expectation at the end that each participant has a solid project or curriculum to implement.
Cost $375. Includes meals, tax, and accommodations; excludes graduate credits. Limited to 16 participants. Scholarships may be available on a need-based scale. Learn more and register here.
Strategic Energy Innovations (SEI) is nonprofit that builds leaders to drive climate solutions. For over 20 years, SEI’s focus has been on building capacity to create sustainable communities through scalable programs and models. Its flagship programs (Energize Schools, Energize Colleges, School of Environmental Leadership, and Climate Corps) integrate climate education, training, and career development. From young students to emerging professionals to communities, SEI programs engage local talent to directly address their community’s sustainability goals by leading projects with measurable environmental, economic, and social benefits.
July 29 – August 2, 2019
High Tech High International 2855 Farragut Road, San Diego, California 92106
Energy and Environmental Design is a project-based learning course in which students complete projects related to sustainable design, energy efficiency, and renewable energy. This year-long course is approved as a University of California A-G G-elective and is the second in a two-course series designed to meet California Technical Education Standards for the Energy and Power Technology Pathway in the Energy, Environment, and Utilities sector. Highlights include completing a mock solar installation, building a residential circuit, designing a green building, networking with educators who are teaching sustainability curriculum, and earning CEU credits.
Susan Santone is an internationally recognized educator with over 20 years of experience in curriculum reform, educational policy, and sustainability. Through her nonprofit Creative Change Educational Solutions, Susan has led teacher education and curriculum reform initiatives with clients ranging from K-12 districts to universities to the United Nations. Susan offers the following services:
- Facilitator training that prepares school and university teams to lead professional development in their own settings. Training is based on the book Reframing the Curriculum.
- Leadership development and strategic communication to advance understanding of sustainability and social justice.
- Consultation for schools, universities, and other entities.
Ongoing and Upcoming Courses
Understanding Sustainability through Transdisciplinary Narratives
Free webinar sponsored by the Association for the Advancement of Sustainability in Higher Education
Wednesday, July 31, 2019
3:00 – 4:00pm
The concepts of “more” and “better” drive social narratives about the kind of world we are creating: a future of more stuff and strife, or one based on a better life. This webinar will explain sustainability in terms of these narratives and show how to use them as a framework for teaching sustainability and social justice across any discipline. Participants will receive resources describing activities and strategies to leverage the More and Better narratives as teaching tools. Learn more and register.
Learning about sustainability is easier than ever thanks to “Introduction to Sustainability,” a free online course developed by Kappa Delta Pi in partnership with Creative Change Educational Solutions. The self-paced course introduces sustainability as a context for learning, highlights connections across grades and disciplines, and provides strategies for reframing curriculum to emphasize these connections. With activities, videos, discussions, off-line projects, and guided curriculum design, the course engages adult learners in an integrative and reflective learning experience that emphasizes practical applications. The course is based upon (and includes excerpts from) Susan Santone’s book, Reframing the Curriculum: Design for Social Justice and Sustainability.
Introduction to Social Justice introduces the notion of social justice and guides teachers in the development of awareness and skills needed to reframe lessons and units to have a social justice lens. This micro-course is a follow up to Susan Santone’s Intro to Sustainability Online Course. Cost: $49 for members and $74 for non-members.
Teaching Our Cities, a project of Common Ground, is creating a collection of toolkits that share best practices that are working at partner schools. Toolkits include videos, blog-style reflections, resources, and practice descriptions. Current toolkits cover teaching a sense of place, learning expeditions, green exhibitions, environmental leadership portfolios, and magnet theme days.
Fostering Literacy in Green Schools Related Resources
On September 15, 2015, California State Superintendent of Public Instruction Tom Torlakson released A Blueprint for Environmental Literacy. The blueprint lays out six guiding principles and six key strategies that support the goal of increasing environmental literacy for all California schools. Among these principles and strategies is the recommendation to integrate environmental education into subjects educators are already required to cover. Upon full implementation, the blueprint will ensure all California students receive high quality instruction.
Common Sense Education supports K–12 schools with everything educators need to empower the next generation of digital citizens. Our innovative, award-winning Digital Citizenship Curriculum prepares students with lifelong habits and skills, supports teachers with training and recognition, and engages families and communities with helpful tips and tools.
This essay, originally published in The Journal of Sustainability Education, describes a cross-age project between a fourth-grade class and university students in which the two groups of students worked together on a dramatic performance of Paul Fleischman’s book, Seedfolks (1997, 2014).
From Amazon.com: Hopeful, eloquent, and bold, Ecoliterate offers inspiring stories, practical guidance, and an exciting new model of education that builds – in vitally important ways – on the success of social and emotional learning by addressing today’s most important ecological issues.
This book shares stories of pioneering educators, students, and activists engaged in issues related to food, water, oil, and coal in communities from the mountains of Appalachia to a small village in the Arctic; the deserts of New Mexico to the coast of New Orleans; and the streets of Oakland, California to the hills of South Carolina.
Ecoliterate marks a rich collaboration between Daniel Goleman and the Center for Ecoliteracy, an organization best known for its pioneering work with school gardens, school lunches, and integrating ecological principles and sustainability into school curricula. For nearly twenty years the Center has worked with schools and organizations in more than 400 communities across the United States and numerous other countries.
Ecoliterate also presents five core practices of emotionally and socially engaged ecoliteracy and a professional development guide.
This resource roundup includes a collection of articles, videos, and other resources on internet safety, cyberbullying, digital responsibility, and media and digital literacy.
Explore resources and downloads for educators seeking to help students learn financial concepts, practice money management, and build strong financial decision-making and economic-reasoning skills.
This resource, developed in partnership by the National Grid Foundation and the Nature Explorium at Middle Country Public Library in New York, includes a bibliography of nature-related books for students from kindergarten to fifth-grade.
InCtrl is a series of free standards-based lessons that teach key digital citizenship concepts. These lessons, for students in grades 4 – 8, are designed to engage students through inquiry-based activities and collaborative and creative opportunities.
The Literacy Design Collaborative (LDC) seeks to ensure that every student in America graduates from high school with the literacy skills necessary for success in college and career. LDC is a teacher-created instructional design system that transforms educator practice through the use of online tools and resources that facilitate collaboration, content development, and professional learning to effectively implement College and Career Readiness Standards in K–12 classrooms. The LDC website offers a host of resources, courses, and sample curricula to help teachers and educators integrate effective literacy instruction into their classrooms, content areas, and schools.
This National Education Association webpage includes lesson plans, background resources, and games that educators can use to help students gain the financial literacy skills they need to manage their financial resources throughout their lives.
The Natural Inquirer program produces a variety of science education materials for PreK-12. Natural Inquirer products are produced by the Forest Service, the Cradle of Forestry in America Interpretive Association, and other cooperators and partners. Their website includes lesson plans, activities, and resources for teachers as well as games, videos, and activities for kids.
Natural Inquirer, a free science education journal written for middle through high school age students. In 1998, Natural Inquirer was created so that scientists could share their research with students. Each article follows the same format as a scientific journal article by including an Introduction, Methods, Findings, and Discussion section. Additionally, each article has a Meet the Scientist section, Thinking About Science section, Thinking About the Environment section, and a FACTivity. The FACTivity is a hands-on activity that reinforces a concept from the article. All articles are correlated to National Education Standards.
Investi-gator, a free science journal written for upper elementary level students. The journal follows the same format as Natural Inquirer just written at a different level.
The Natural Inquirer Reader series, developed to meet the needs of PreK-2 students. Each Reader focuses on one Forest Service scientist and their research. Readers contain glossaries and activities and are correlated to National Education Standards.
This free, downloadable guide designed for fourth- through eighth-graders will show you how to use nature journaling to spark student curiosity, foster awareness and sensitivity to their surroundings, and develop an empathetic relationship with a place and the other species that inhabit it. Activities in the guide are designed for accessible, everyday settings – the schoolyard, a neighborhood park, and the trails of a local nature center.
Write the World helps students develop the writing strategies and communication tools essential for success in school, career, and life. Through resources such as writing prompts, competitions, and an online journal, young writers are empowered to develop their voices, refine their editing skills, and publish on an international platform. Educators can find tools and resources to help them create vibrant writing communities in their classrooms.
Grants and Awards
The Captain Planet Foundation’s ecoSolution Grants (previously called “Small Grants”) have been the defining basis of the organization’s work over the last 25 years. The Foundation has funded over 2,100 projects that have impacted 1.2 million youth around the world – actively fulfilling its mission to build the next generation of environmental stewards and change agents.
ecoSolution Grants range from $500 – $2,500 and are intended to support solution-oriented, youth-led projects that result in real environmental outcomes. Visit the website to learn more about eligibility and restrictions and to fill out an application. The next deadline for applications is July 15, 2019.
Originally developed in partnership with the Ray C. Anderson Foundation and with ongoing support from Voya Financial, ecoTech Grants are specifically offered to engage children in inquiry-based, STEM-related projects that leverage technology and/or use nature-based design to address environmental problems in local communities. ecoTech Grants were created to combat the notion that students needed to choose between “the screen” or “the green” and to encourage educators and students to explore the role technology can play in designing and implementing solutions to some of our most pressing environmental challenges. ecoTECH grant projects must:
- Be based in the U.S.
- Integrate the use of technology to address environmental problems (not iPads or other tablets)
- Be project-based
- Be youth-led
- Result in real, demonstrable environmental outcomes
ecoTECH grants are available as cash grants of up to $2,500 and support the purchase of materials and other project implementation expenses. The deadline to submit an application is July 15, 2019.
GetEdFunding is a curated collection of grants and awards created by education professionals for education professionals. Its database was designed to be easy-to-use and reliable, and all grant and funding opportunities are updated daily. Users can search by six criteria, including 43 areas of focus, 8 content areas, and 14 twenty-first century themes and skills, including environmental literacy. Once registered on the site, users can save grants of interest and return to them at any time.
Salad Bars to Schools launched in 2010 with the mission of donating salad bars to U.S. schools so that every child has daily access to fresh fruits and vegetables. Any district or independent school participating in the National School Lunch Program is invited to apply. Applications are accepted on a rolling basis. Visit the website to learn about eligibility, award criteria, and the application process.
A partnership between Shell Oil Company and the National Science Teachers Association (NSTA), this award recognizes one outstanding classroom teacher (grades K–12) who has had a positive impact on his or her students, school, and the community through exemplary science teaching. The recipient of the Shell Science Teaching Award will receive $10,000, as well as an all-expense-paid trip (along with the two finalists) to attend the NSTA National Conference on Science Education. All three will be honored at the Awards Banquet. The recipient will also be recognized at the Teacher Awards Banquet. The 10 semifinalists will receive certificates of distinction. Completed applications must be received by December 18, 2019.
K-5 teachers are invited to apply online for a $1,000 Toshiba America Foundation grant to help bring an innovative hands-on project into their classroom. With a Toshiba America Foundation grant, elementary teachers can bring their best new teaching ideas to life.
Grant applications are due on October 1 each year. Grants are also available for teachers in grades 6-12 who are passionate about making science and mathematics more engaging for their students. Applications for grants less than $5,000 are accepted at any time. For grant requests of more than $5,000, deadlines are May 1 and November 1.
Voya Foundation grants are focused on Financial Resilience. We work to ensure that youth are equipped with Science, Technology, Engineering, and Math (STEM) expertise and financial knowledge necessary to compete in the 21st century workforce and make smart financial decisions that lead to a secure retirement.
We accomplish this by accepting year-round grant applications from organizations that:
- Provide innovative and experiential K-8 STEM learning opportunities to promote an early interest in STEM career fields, and improve teachers’ capabilities in STEM; or
- Provide financial education curriculum to grade 9-12 students focused on navigating major financial milestones including student debt, credit, home ownership, financial products and services/financial capability, and family needs.