Charlotte F. Crawford, C.F.P.

Home Address:
1215 Plum Ave.
Mt. Vernon, IL 62864
WWW: http://www.charlotte@crawfordenterprise.com
E-mail: crawfal@accessus.net

Office Address:
4112 North Water Tower Place
Mt. Vernon, IL 62864
Phone: 618-242-9310
Fax: 618-242-9433
E-mail: crawfordc@mail.aces.uiuc.edu

Professional Objective
To strengthen individuals and family’s financial security by increasing knowledge and skills in financial planning, investment planning and retirement planning.

Education, 17 Credits Beyond Masters Degree

·College for Financial Planning, Denver, CO

oPre Retirement Financial Planning graduate course, 45 CE credits, 1998

oFinancial Planning for the Retired graduate course, 45 CE credits, 1998

oCertificate of completion of 6 courses, Certified Financial Planner self-study program, 1995.

·6 credit hours, University of Minnesota, Minnesota Extension Summer School

oPublic Policy in Issue Programming, 1991

oImpact Evaluation in Issues Programming, 1990

oManaging in an Organization in Transition, 1990

·3 credit hours, University of Arizona, Western Region Extension Winter School

oPersonal and Family Financial Management, 1985

oPersonal Effectiveness, the Human Factor, 1985

·8 credit hours, Southern Illinois University, Summer Workshops

oFamily Life Sexuality, 1989

oMicrocomputers and Home Economics, 1983

oNutrition and Physical Fitness, 1981

oThe Bicentennial Family, 1975

·M.S., Home and Family, Southern Illinois University, Carbondale, 1968

• B.S., Home Economics Education, Southern Illinois University, Carbondale, 1966

• Certified Financial Planner (CFP), Institute of Certified Financial Planners, 1996.

• 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

Retirement Planning

• 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 retirement.
• 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 issues.
• Presented concurrent sessions, round table discussions and posters at professional conferences:
• 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 Association.
• 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 Extension’s 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 Extension publications.
• 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 volunteers assisting.
• 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 leaders, 1993.
• 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 site, 1999.
• 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.

• Taught nineteen consumer train-the-trainer lessons on Telephone Options to over 400 participants,1999, 2000.  Follow-up evaluations indicate behavior change.
• 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 car maintenance.
• 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 by residents.

• 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 supplement.
• 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 taxation.
• 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 the time).

• Internships with 4 fee-only financial planning firms (Arizona, Utah, Kansas & Illinois) in 1998 as part of six-month study leave to increase retirement planning expertise.
• Psychology of Money 2-day training, Consumer and Family Economics team, 1999.
• 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, 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; networking.
• 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
• Secretary-Treasurer, 1986
• chaired 7 different committees.
• National
• North Central Regional Director, 1990-1992
• Limited Resource Audience Workshop, Chair, Public Issues Conference, Washington D.C., 1993
• 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 present
• Research and Studies Committee, 1989 to 1991
• Professional Improvement, 1992 to 1994.
• Illinois Extension Association of Family and Consumer Science, 1968 to present
• 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, 1998, 1999.
• Institute of Certified Financial Planners, 1999.
• Financial Planning Association, 2000
• American Association of Individual Investors, 1994 to 1996, 1998, 1999, 2000.
• 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

• 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", Sept. 1988
• ICES Peer Team award, DuQuoin State Fair (chair), "Buying a Used Car" exhibit, 1987
• 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), 1997
• 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

• Computer and Technology Field Staff State Advisory Committee, 2000, 1990 to 1993
• 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" seminars, 1995
• 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 1989
• 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?, 1996
• 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.

Personal Interests
Genealogy, gardening, travel, hiking, reading, dancing, photography and spoiling grandchildren.