Charlotte F. Crawford, C.F.P.
1215 Plum Ave.
Mt. Vernon, IL 62864
4112 North Water Tower Place
Mt. Vernon, IL 62864
To strengthen individuals and familyís financial security by increasing
knowledge and skills in financial planning, investment planning and retirement
17 Credits Beyond Masters Degree
for Financial Planning, Denver, CO
Retirement Financial Planning graduate course, 45 CE credits, 1998
Planning for the Retired graduate course, 45 CE credits, 1998
of completion of 6 courses, Certified Financial Planner self-study program,
credit hours, University of Minnesota, Minnesota Extension Summer School
Policy in Issue Programming, 1991
Evaluation in Issues Programming, 1990
in an Organization in Transition, 1990
credit hours, University of Arizona, Western Region Extension Winter School
and Family Financial Management, 1985
Effectiveness, the Human Factor, 1985
credit hours, Southern Illinois University, Summer Workshops
Life Sexuality, 1989
and Home Economics, 1983
and Physical Fitness, 1981
Bicentennial Family, 1975
Home and Family, Southern Illinois University, Carbondale, 1968
B.S., Home Economics Education, Southern Illinois University, Carbondale,
Certified Financial Planner (CFP), Institute of Certified Financial Planners,
Extension Educator, Consumer and Family Economics, Level III, Mt. Vernon
Extension Center, University of Illinois Extension, 1992-present
Extension Adviser, Home Economics, University of Illinois Cooperative Extension
Service, Jefferson County, 1988-1992, Perry County, 1968-1988.
Teaching Assistant, Southern Illinois University-Carbondale, 1967-1968
Food manager and head cook, Wesley Foundation, Carbondale, 1964-1965
Developed and presented retirement planning and employee benefit programs
to Extension staff at Illinois Extension Annual Conferences, Illinois Paraprofessional
Conference, statewide seminar series, 2-day non-academic staff retreat,
3-day professional staff retreat, 4 campus brown bag seminars, numerous
teleconferences, and 5 computer data conferences from 1994 through present.
Over 1,400 Extension employee participants. Evaluations show increase
in knowledge, in 403(b) plan participation, and in active planning for
Major leadership role for both staff retreats including multiple presentations.
Impact evaluations published in Personal Finance Employee Education Conference
proceedings and Association for Financial Counseling & Planning Education
Co-author of "Your Retirement" fact sheet series on investing, sources
of retirement funds, taxes and taking distributions from tax deferred plans,
1996, reprinted in 1998, updated in 2000. Over 3000 copies distributed
in Illinois and other states. Co-author of fifth fact sheet on planning
for retirement, piloting in 2000.
Co-author of "You Can Forecast Your Retirement" program. Coordinated
training of Consumer and Family Economics Educator team in 2000.
Chair, Consumer and Family Economics program development team Retirement
work group. Coordinated retirement planning training for educator team
in 1997 and 1999.
Author of "IRA Update 2000" located on Consumer and Family Economics
team web site. Hundreds of copies distributed in Illinois and other states.
Chair of "Your Retirement Challenge" news article series for 2000,
articles provided monthly to U of I county staff for media programming.
Author of 5 articles.
Presented 401(k) and 403(b) seminars to employees at employer work sites,
1999, 2000. Evaluations show increased knowledge and understanding.
Team presenter in retirement planning seminar series in various counties.
Evaluations show increased knowledge and understanding of retirement planning
Presented concurrent sessions, round table discussions and posters at professional
Association for Financial Counseling and Planning Education, American Association
for Consumer Interests, Epsilon Sigma Phi (Extension honorary fraternity),
National Extension Association for Family and Consumer Sciences, National
Association of Personal Financial Advisors, Personal Finance Employee Education
Conference sponsored by Virginia Tech, and Illinois Consumer Education
Presented seminars in other states: University of Nebraska Women in Agriculture
multi-state conference, Raskab & Kambourian Financial Advisors in Tucson,
Wilson Financial Advisors in Salt Lake City and Pima County Extension employees
in Arizona. Evaluations indicate knowledge gained.
Authored retirement planning
articles for national ESP newsletter, Illinois
Agri-News statewide publication and NEAFCS Reporter and Communiqué.
Received requests for resources offered in the news articles.
Served on Extensionís Money 2000 interdisciplinary Taskforce, 1996-2000.
Co-authored and produced audio tape, "Financial Planning for Success".
Over one thousand copies distributed to libraries, Extension offices and
to other states. Listed as a University publication.
Part of planning team that produced first Extension satellite program,
"Saving for Financial Success", 1999. Wrote and talent for pre-taped video
segment on financial resources. Authored handouts for satellite participants.
Twelve states participated in video conference. Video tape available through
Coordinated and presented five statewide Money 2000 teleconference programs
to over 100 participants: when and how to tap tax-deferred savings, tax
breaks for higher education and investing for long term goals, beyond CDs.
Contributed articles to eight Money 2000 bimonthly newsletters sent to
over 800 participants.
Coordinated and team taught employee benefits and insurance one-day statewide
seminars, 1997. Evaluations show participants gained knowledge and understanding.
Co-author of "Tax Breaks for Higher Education" fact sheet, over
2000 distributed in Illinois and other states. Fact sheet on U of I urban
web site. Presented topic at Consumer and Family Economics team in-service
training and Association for Financial Counseling and Planning Education
conference, 1998, concurrent session at Illinois Consumer Education Association,
2000, and poster session at American Council for Consumer Interests, 1999.
Team presenter in three all day Estate Planning seminars in southern Illinois.
Evaluations show increased knowledge of terms and planning issues.
Increased school participation in the National Endowment for Financial
Education (NEFE) High School Financial Planning Program. Over 30 schools
and 2000 students enrolled. Evaluations indicate students increased confidence
in ability to plan financially. Co-coordinated state program in 1992-1993.
Co-authored Money $cramble, a supplemental activity for the High
School Financial Planning Program, distributed at HSFPP state coordinators
national meeting in Denver, 1994.
Co-authored a resource list for participating High School Financial
Planning Program teachers, subsequently adapted for statewide distribution.
Team taught six southern Illinois regional All My Money curriculum
train-the-trainer seminars for agency and organization staff. State evaluations
show program impact.
Taught over 30 Welcome to the Real World program simulations to
over 1,500 teens. Evaluations indicate students gained skills in money
management and affirmed or redirected career goals as a result of the program.
Each program ranged from 1 hour to all day with four to twenty five community
Taught workshops to limited resource audiences including correctional center
inmates, public housing residents, GED classes, Habitat For Humanity families,
Job Core youth, developmentally disabled clientele, senior citizens and
others. Participant evaluations show knowledge and skills gained.
Co-authored Illinois adaptation of "Managing Between Jobs" self
study program with interdisciplinary team of educators and Extension unit
Co-authored and coordinated the development of "Getting Through Tough
Times" self-study packet with educator user guides for use with flood
families and other families experiencing economic/personal crises. Presented
nationally at: NEAFCE, AFCPE, ESP and ACCI conferences. In Illinois coordinated
exhibit at Illinois JTPA and presentation at IHEA Conference, 1994, presentation
at IETA, 1995. Packet distributed to all land-grant universities, 1995.
Used with businesses and agencies on job loss. Updated for Extension web
Flood programming for the Mississippi River basin flood in 1993: series
of 13 consumer fraud radio spot announcements, flood clean-up handouts,
Getting Through Tough Times self study series, extended the free
resources of the High School Financial Planning Program to flood
affected school districts. Received USDA team emergency response award
in Washington D.C. and National Extension Association of Family & Consumer
Sciences radio spot team award.
and Family Economics
Taught nineteen consumer train-the-trainer lessons on Telephone Options
to over 400 participants,1999, 2000. Follow-up evaluations indicate
Taught consumer credit seminars to civic organizations, at job fairs and
at University of Nebraska Women in Agriculture regional conference.
Taught simple car maintenance workshops in 15 counties to 755 consumers.
60% of participants changed attitude and increased ability to manage their
Co-authored mass media consumer insurance series, 22 weekly articles/radio
programs with team of specialist/area adviser. Recognized in Forecast
Magazine, Sept., 1988. Requests for information from 6 states and countries.
Forerunner to Specialist "Insurance Decisions" reference notebook.
Organized and taught Independent Living project with a developmentally
disabled group home. Increased self-esteem and skill level experienced
Co-authored state local leader lesson on Reduce, Reuse, Recycle, Respond.
With environmental shopping lesson, taught in fifteen counties, 1992 -1996;
co-author of Healthy Indoor Air Quality state lesson, 1997, presented
in sixteen counties.
Received grant and coordinated IEPA household hazardous waste collection
for Mt. Vernon, IL, 1993.
Established environmental committee who planned environmental dialogue
"town meeting" with speakers representing business and community, 1991.
Increased clientele and local group requests for environmental information.
Edited and co-produced "County Directory of Environmental Information",
1991, over 500 copies distributed. Cooperative effort with Rotary who provided
grant. Updated directory in 1993; published in local newspaper's Environmental
Piloted environmental shopping consumer program with Specialist, 1991.
Co-authored household hazardous waste public service announcements, 1988.
Used in several southern Illinois communities.
County staff team water quality program: theme for CES sponsored County
Health Fair, Home Show exhibit, Agronomy Night program, teleconference
programs, 1989-1990. Increased requests for information and for water bottles
provided for water testing by the county Extension office.
Taught "Understanding Property Taxes" involving local county officials
in 16 counties, 1995, 1996, 1999. Participants increased knowledge of state
Organized county health issues committee. Provided leadership to committee
to raise community financial support to retain immunization clinic and
establish ongoing local clinic committee (no county health department at
Internships with 4 fee-only financial planning firms (Arizona, Utah, Kansas
& Illinois) in 1998 as part of six-month study leave to increase retirement
Psychology of Money 2-day training, Consumer and Family Economics team,
Consumer & Family Economics team inservices on financial and environmental
consumer topics, 1992 to present (3 to 4 per year, 2 to 3 days length)
Financial Counseling Conference, University of Georgia, Columbus, Georgia,
1994. Gained knowledge of counseling issues.
Illinois Consumer Education Association Annual Meeting, 1992-95, 1997,
1999, 2000. Update on issues and teaching resources.
American Council on Consumer Interests, 1992, 1995, 1999. Gained knowledge
of current research.
Consumer Federation of America national conference, 1993, 1995. Update
on consumer policy and issues.
National Association of Personal Financial Advisors national conference,
1994, 1995, 1996, 1997, 1998. Gained knowledge of fee-only financial planning.
Association of Financial Counseling and Planning Education national conference,
1994, 1997, 1998, 1999.
Financial Planning Teaching Associates, 1994, 1995, 1996. Gained knowledge
of financial planning process.
Illinois Institute for Conflict Resolution, Consumer Conflict Seminar,
1993. Gained knowledge of conflict resolution alternatives for consumers
ranging from negotiation to litigation.
Leadership Education and Public Policy seminars (LEAP), State, 1990; Washington
D.C., 1991; Canada, 1992. Gained insight on how to do public policy programming.
Art of Being a Manager 3-day Workshops, (3 different workshops). Gained
organizational experience and a conflict management philosophy of win,
North Central Officers Leadership Workshops, 1988-92. Gained leadership
experience and conference coordination experience.
National Association of Extension Family and Consumer Sciences Annual Sessions,
1982 to 1999. Gained knowledge of current issues and programming resources;
Legislative Workshop, 1991, 1993, 1997. Gained experience in working in
the political process.
Specialized Adviser, Clothing and Textiles 3 day annual training, 1970
to 1991. Gained expertise in socioeconomic and environmental issues.
Instructional video training, Region 7 project. Learned how to produce
instructional videos including shooting and editing.
Women's Auto Mechanics, non-credit 6 week class, SIU, 1981. Gained skills
in simple car maintenance to teach 48 clientele requested workshops.
Comprehensive financial planning including investment, insurance, tax and
estate planning with special emphasis in retirement planning.
Basic computer skills: Word, Power Point, Windows, Excel, Paint Shop Pro,
Eudora. Familiarity with financial programs such as Quicken & T. Rowe
Price Retirement Analyzer.
Basics of instructional video development process, production and editing.
TV and radio interview and public service announcement planning and delivery.
Writing skills for news releases, newsletters and fact sheets.
American Association of Family and Consumer Sciences, 1962 to present
Illinois Association of Family and Consumer Sciences, 1968 to present
Epsilon Sigma Phi, (honorary Extension fraternity) 1978 to present
Alpha Nu Chapter
President, 1988; Past President, 1989; President Elect, 1987
chaired 7 different committees.
North Central Regional Director, 1990-1992
Limited Resource Audience Workshop, Chair, Public Issues Conference, Washington
Resource Development/Management committee, 1993, 1995, Chair, 1994
North Central Regional Leadership Workshop coordinator, 1992
Scholarship and Loan committee, 1987 to 1989
National Board liaison to committees: Legislative, 1991; Professionalism,
1991, 1992; Retiree, 1992
National Board Special Project committee, 1991, 1992
National Extension Association of Family and Consumer Sciences, 1968 to
Research and Studies Committee, 1989 to 1991
Professional Improvement, 1992 to 1994.
Illinois Extension Association of Family and Consumer Science, 1968 to
Second Vice President, 1977-1978,
Regional Chairman, 1974, 1983, 1984,
chaired 10 committees.
1990 NAEHE Annual Session committee, 1988 to 1990
Association of Financial Counseling and Planning Education, 1994, 1997,
Institute of Certified Financial Planners, 1999.
Financial Planning Association, 2000
American Association of Individual Investors, 1994 to 1996, 1998, 1999,
Kappa Omicron Nu, Home Economics Honor Society, 1963 to 1994
President Southern Illinois University Alumni Chapter, 1967
Illinois Consumer Education Association, 1992 to 2000
Consumer Federation of America, 1993, 1994
National Institute of Consumer Education, 1992, 1993, 1994
American Council on Consumer Interests, 1992, 1993, 1994, 1999
and Special Awards
Research presentation on retirement planning retreat's impact at Virginia
Tech's 5th National Conference on Personal Finance Employee Education at
Roanoake, VA., 1999.
Eastern Financial Education & Resource Management Association
Concurrent session presentation, "Retirement Planning Computer Software,
Does It Help or Hinder?", 2000
Round Table presentation/leader, "Retirement Seminars" at National Association
of Personal Financial Advisors annual conference, 1998.
USDA Emergency Response Team Award (flood programming in1993), 1994.
ICES Program Innovation Award "Smart Moves in Business Recycling", 1992,
recognizing innovative programming and team approach.
Forecast magazine article, "Evaluating Insurance, A Consumers Viewpoint",
ICES Peer Team award, DuQuoin State Fair (chair), "Buying a Used Car" exhibit,
National Extension Association of Family and Consumer Science:
Continued Excellence Award, 1997
Grace Frysinger Fellowship Award, 1997
Radio spot team award, 1995
Central region package program award, 1995
Distinguished Service Award, 1991
TV spot award, 1988, Central Region, 1983, second place, 1985
Showcase of Excellence team exhibit, "How to Buy a Used Car", 1988
Annual Session Presenter
"Alcohol Abuse Youth Program", 1983
"Getting Through Tough Times", 1994
"19 Ways Extension and NAPFA Can Work Together", team taught with Dave
Deislan, President of NAPFA, 1995
Guide to Financial Planning and Choosing a Financial Planner, team taught
with Tom Garazmala, NAPFA board member, 1996
Informed Investing for Retirement with a 403(b) plan,1997
Planning Retirement Seminars Through Professional Associations, 1998
Retirement Planning Travel Study with Practicing Certified Financial Planners,
Grace Frysinger Report, 1999
Illinois Extension Association of Family and Consumer Science
Communications awards: Radio Spot, 1984, 1995; TV spot, 1983, 1985, 1988;
Radio Feature, 1983
Professional Improvement, 1982, 1994
Peer award, 1973, 1981, 1983, (renamed Program Excellence) 1992, 1994.
Team Peer award, 1981, 1983, 1984
Association of Financial Counseling and Planning Education
Presentations at national conferences
Tax Breaks for Higher Education, 1998
Taking Distributions From Tax Deferred Retirement Plans, 1998
Panel on Building Coalitions with Financial Planning Organizations, 1998
Impact Evaluation of "Mid to Late Career Retirement Planning Retreat" for
Extension employees, 1999
Epsilon Sigma Phi:
State Distinguished Service Award, 1996
Distinguished Service, North Central States Region Award (1 for 12 states),
M.S. William's Program Innovation award, 1982, 1992
Meritorious Service, 1993
Frank S. Shuman Professional Improvement award, 1995
National meeting presentations:
Planning for Retirement, 1994
Getting Through Tough Times, 1994
When and How to Tap Tax-Deferred Retirement Savings Plans, 1999
of Illinois Extension Leadership/Committee Responsibilities
Computer and Technology Field Staff State Advisory Committee, 2000, 1990
Illinois Extension Human Resource Development Committee, 1997, 1998.
Coordinated and presented 17 different financial and retirement planning
professional development offerings (PDOs) reaching over 1400 participants,
1996 to present. Range from all-day seminars throughout the state to teleconference
series to a 3-day retreat.
Member, Money 2000 interdisciplinary taskforce, a 3-year program on reducing
debt and increasing savings. 1996-2000.
New staff mentor, 1999, 2000.
Chair, National Taskforce, Cooperative Extension System and National Association
of Personal Financial Advisors, 1994-1996. Member, 1997-1999.
Co-authored, "19 (and 21) Ways for the Cooperative Extension System and
NAFPA to Work Together", 1995, update 1997. Distributed hundreds of copies
nationally to NAPFA members and to 79 land grant universities.
Exhibited for Cooperative Extension System at Central region NAPFA conference,
1995, Western region conference, 1997, Central region, 2000.
Represented Extension at national NAPFA conference, 1994, 1996, 1998.
Reviewed and edited joint program "Guide to Financial Planning and Choosing
a Financial Planner", 1996. Presented at NEAFCS, 1996.
Educator co-chair of state Consumer and Family Economics program development
team, 1995, 1996. Co-chair elect, 1994.
Participate in four or more Consumer and Family Economics team plan of
work workgroups per year, 1992 to present.
Mt. Vernon Center Coordinator, 1996, 1997, 1998. Responsible for center
budget, staff supervision, and center administrative duties.
State co-coordinator of National Endowment for Financial Education's "High
School Financial Planning Program" for Illinois CES, 1992-1993.
Team presenter, CES Personnel Director's state "Planning for Retirement"
National Apparel Measurement Research Project for Older Women, 1991
Region 7 Environmental Issues Team, 1991, 1992
Electronic Technology Taskforce, statewide plan for technology 1987 to
Kids Having Kids State Conference Committee, 1987
Du Quoin State Fair regional committee, 1983 to 1987, chair/vice chair,
1984 to 1987
Extension Annual Conference class presentations to peers
Money 2000 Program Kick Off luncheon and workshop, chair, 1997.
Choosing Professional Help, Are You Being Taken Care of /Advantage of?,
Basics of Mutual Funds, 1995 & All About Mutual Funds, 1994
Instructional video development team presentation, 1985
Alcohol Abuse Youth School program for Perry County schools, 1983
Rural Middle Age Women Research Project assistant for Specialists Reber/Pankau,
recruited and tested 40 subjects, data collected 1986 and 1987
Church: Finance, 1997-1999, Chair, 2000, Investment subcommittee, 1997-1998;
Special Projects, Chair, 2000; Litergist, 2000; Nominating, 1996-1998;
Mission Chair, 1991-1993, 1987; Vacation Church School Coordinator, 1986,
1987; Church School Superintendent, 1985, 1986; Adult Devotions Leader,
1985, 1986; Youth Group Leader, 1981 to 1985; Program Chair, special church
events, 1979, 1980.
Volunteer 4-H Leader, Jackson County, 1974 to 1980
Egyptian Computer Help Organization (ECHO) charter member, 1987, 1988
"A Comparison of Rural and Urban Child Rearing Attitudes", Master of
Science research paper, Southern Illinois University, Carbondale, 1968.
Genealogy, gardening, travel, hiking, reading, dancing, photography
and spoiling grandchildren.