Educational Institutions

Junior Achievement

  • West Palm Beach, FL

Mission Statement

Our mission is to prepare and inspire young people to succeed in a global economy through classroom programs and simulations that focus on work readiness, entrepreneurship, and financial literacy.

Main Programs

  1. Elementary Programs
  2. Middle School Programs
  3. High School Programs
  4. After School Programs
Service Areas



Palm Beach, Martin, St. Lucie, Hendry, & Indian River Counties

ruling year


Principal Officer


Ms. Claudia Kirk Barto



education, business, enterprise

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Also Known As

JA of PB & TC





Physical Address

6903 Vista Parkway North Suite 10

West Palm Beach, FL 33411


Cause Area (NTEE Code)

Alliance/Advocacy Organizations (B01)

Alliance/Advocacy Organizations (J01)

Business, Youth Development (O53)

IRS Filing Requirement

This organization is required to file an IRS Form 990 or 990-EZ.

Programs + Results

How does this organization make a difference?


Self-reported by organization

For over 90 years, Junior Achievement has provided quality financial education to millions of children around the world.  We are currently in over 120 countries!  Right here in Palm Beach, Martin, Hendry, Indian River and St. Lucie counties, Junior Achievement reaches over 22,000 students each year.  We teach these students the key concepts of financial literacy, work readiness, and entrepreneurship which are crucial in today’s economy.  JA is educating the next generation on how to create a budget …stay out of debt and save for the future.  JA is teaching the next generation how to enter the job market…interview for a job and the skills that are needed to retain a job!  And finally, JA is teaching the next generation how an entrepreneur can bring about powerful economic change!


Self-reported by organization

What are the organization's current programs, how do they measure success, and who do the programs serve?

Program 1

Elementary Programs

Elementary School Programs :: Overview

JA’s elementary school programs are the foundation of its K-12 curricula.  Six sequential themes, each with five hands-on activities, as well as an after-school and capstone experience, work to change students’ lives by helping them understand business and economics.

Ourselves® uses compelling stories read aloud by the volunteer, along with hands-on activities to demonstrate helping, working, earning, and saving. Five required, volunteer-led sessions. Recommended for kindergarten.

Concepts–Barter, Benefit, Buying, Choices, Consumer, Costs, Earning, Entrepreneurs, Giving, Goods, Incentives, Income, Money, Resources, Rewards, Saving, Scarcity, Selling, Spending, Voluntary exchange, Wants, Work.

Skills–Abstract thinking, Coin recognition, Decision-making, Drawing, Following directions, Interpreting information, Listening responsively, Matching, Responsibility, Sequencing, Teamwork.

Our Families® emphasizes the roles people play in the local economy and engages students with activities about needs, wants, jobs, tools and skills, and interdependence. Five required, volunteer-led sessions. Recommended for first grade.

Concepts–Business, Choices, Consumers, Economic institutions, Employment, Family, Incentives, Income, Interdependence, Jobs, Needs, Resources, Scarcity, Skills, Tools, Voluntary exchange, Wants, Work.

Skills–Analyzing information, Decision-making, Differentiating, Drawing, Following directions, Interpreting symbols, Listening responsively, Making observations, Map reading, Matching, Teamwork.

Our Community® explores the interdependent roles of workers in a community, the work they perform, and how communities work. Five required, volunteer-led sessions. Recommended for second grade.

Concepts–Banking, Business, Choices, Circular flow of money, Community, Division of labor, Economic institutions, Goods, Government, Incentives, Interdependence, Jobs, Money,  Productivity, Taxes.

Skills–Comparing, Critical thinking, Decision-making, Identifying choices, Listening responsively, Making observations, Matching, Problem-solving, Role-playing, Teamwork.

Our City® studies careers, the skills people need to work in specific careers, and how businesses contribute to a city. Five required, volunteer-led sessions. Recommended for third grade.

Concepts–Banking, Business, Careers, City, Consumer, Economic institutions, Entrepreneur, Incentives, Income, Jobs, Money, Producers, Quality, Resources, Skills, Specialization, Zones.

Skills–Applying information, Conducting research, Decision-making, Filling out forms, Interpreting directions, Map reading, Math computations, News writing, Role-playing, Teamwork.

JA More than Money® teaches students about earning, spending, sharing, and saving money, and businesses they can start or jobs they can perform to earn money. Six required, after-school, volunteer-led sessions. Recommended for grades three-five.

Concepts–Advertising, Banking, Business planning, Consumer, Deposit, Earn, Employee, Estimate, Expense, Goods, Income, Market research, Money management, Profit, Role model, Save, Self-employed, Service, Share, Spend, Withdrawal, Work ethic.

Skills–Active listening, Analysis, Applying information, Brainstorming, Chart data, Compare and contrast, Computation, Critical thinking, Deductive reasoning, Decision-making, Drawing, Evaluating data, Follow written and verbal instructions, Group work, Mind-mapping, Problem-solving, Recording deposits and withdrawals, Role-playing, Self-assessment, Taking turns, Teamwork, Vocabulary building.

Our Region® introduces the relationship between the natural, human, and capital resources found in different regions and explores regional businesses that produce goods and services for consumers. Five required, volunteer-led sessions. Recommended for fourth grade.

Concepts– Business, Choices, Economy, Exchange, Expenses, Goods, Incentives, Income, Investment, Products, Profit, Region, Resources, Risk, Scarcity, Services, Specialization, Taxes.

Skills–Comparing, Compiling data, Conducting research, Decision-making, Differentiating, Giving reports, Interpreting data, Math computations, Problem-solving, Reading, Teamwork, Understanding symbols.

Our Nation® provides practical information about businesses' need for individuals who can meet the demands of the job market, including high-growth, high-demand jobs. Further, it introduces the concept of globalization of business as it relates to production materials and the need for students to be entrepreneurial in their thinking to meet the requirements of high-growth, high-demand careers worldwide. Five required, volunteer-led sessions. Recommended for fifth grade.

Concepts– Advertising, Capital resources, Career preparation, Communication, Competition, Corporation, Demand, Employees, Employers, Engineering, Entrepreneur, Free enterprise, Global competition, Goods, High-growth, High-demand jobs, Human resources, Natural resources, Opportunity costs, Partnerships, Price, Products, Profit, Resources, Resume, Scarcity, Services, Skills, Sole proprietorship, Specialization, Stock, Stockholders, Supply, Technology, Technophile, Technophobe

Skills–Addition and subtraction, Brainstorming, Conceptualizing and designing advertisements, Creative thinking, Critical thinking, Decision-making, Drawing conclusions, Estimating, Evaluation, Following directions, Graphing and graph interpretation, Listening, Map reading, Problem solving, Reading and writing, Reasoning, Role-playing, Teamwork, Verbal communication, Working in groups.

JA BizTown® provides a simulated community where students assume the roles of workers and consumers. Follows a series of classroom sessions about business and jobs. In-school, teacher-led activities; pre- and post-on-site experience. Recommended for fifth grade.

Concepts– Banking, Business, Careers, Charitable giving, Citizenship, Competition, Conservation, Consumers, Demand, Division of labor, Employment, Exchange, Goods, Marketing, Markets, Money, Needs, Opportunity costs, Producers, Production, Quality, Resources, Saving, Scarcity, Services, Skills, Specialization, Supply, Wants.

Skills– Analysis, Applying information, Budgeting, Cause and effect, Critical thinking, Computation, Data collection, Decision-making, Following directions, Graphing, Interpersonal communication, Listening, Negotiation, Observation, Planning, Predicting outcomes, Problem-solving, Reading, Research, Role-playing, Setting goals, Spending, Taking responsibility, Teamwork.

All JA programs are designed to support the skills and competencies identified by the Partnership for 21st Century Skills. These programs also augment school-based, work-based, and connecting activities for communities with school-to-work initiatives.



Population(s) Served

Children Only (5 - 14 years)



Program 2

Middle School Programs

Middle Grades Programs :: Overview

JA’s middle grades programs for students in grades 6-8 include economics and business curricula and a capstone experience. The dynamic interaction between the volunteer and students promotes active learning and brings theory to life.

JA America Works® provides students with examples of how business and entrepreneurship affected the economic development of the United States during the 19th century. Six required, volunteer-led activities.

Concepts–Benefit, Boomtown, Capital resources, Communication, Competition, Cost, Cost-benefit analysis, Demand, Emigration, Entrepreneurship, Human resources, Immigration, Industrialization, Innovation, Invention, Modes of transportation, Natural resources, Opportunity cost, Productive resources, Productivity, Pull factor, Push factor, Risk, Scarcity, Supply, Technology, Telegraphy.

Skills–Analyzing information, Critical-thinking skills, Decision-making, Decoding messages, Encoding messages, Gathering, interpreting, and organizing information, Math calculations, Oral and written communication, Planning, Reading and interpreting data, Working in groups.

JA Economics for Success® explores personal finance and students’ education and career options based on their skills, interests, and values. It also demonstrates the economic benefits of staying in school. Six required, volunteer-led activities.

Concepts–Credit, Debt, Gross income, Insurance, Interest, Needs and wants, Net income, Opportunity cost, Risk, Self-knowledge, World of work.

Skills–Critical thinking, Decision-making, Following directions, Interpreting data, Math calculations, Oral and written communication, Problem-solving, Role-playing, Self-assessment, Working in groups.

JA Finance Park® helps students build a foundation for making intelligent, lifelong, personal financial decisions through hands-on, realistic site-based experiences. In-school, teacher-led activities; pre- and post-on-site experience.

Concepts–Banking, Budgets, Buying, Careers, Choices, Consumers, Credit, Debt, Exchange, Expenses, Income, Interest rates, Investments, Money, Opportunity costs, Saving, Scarcity, Social security, Taxes.

Skills–Analysis, Applying information, Budgeting, Cause and effect, Critical thinking, Computation, Data collection, Decision-making, Filling out forms, Following directions, Graphing, Interpersonal communication, Interpreting data, Listening, Negotiation, Observation, Planning, Problem-solving, Reading, Research, Role-playing, Spending, Taking responsibility, Teamwork.

JA Global Marketplace® provides practical information about the global economy and its effect on students’ lives. Six required, volunteer-led activities.

Concepts–Business practices, Culture, Currency, Domestic trade, Embargo, Emigrate, Entrepreneurship, Exchange rates, Exports, Franchise, Global trade, Human resources, Immigrate, International trade, Market, Productivity, Quota, Standard, Subsidy, Tariff, Technology, Trade, Trade barrier.

Skills–Analyzing points of view, Brainstorming, Critical reading, Critical thinking, Gathering and organizing information, Interpreting maps, charts and globes, Math calculations, Oral and written communication, Persuasion, compromise, and bargaining, Working in groups.

JA It’s My Business!® encompasses entrepreneurship curriculum for students in grades six, seven, and eight. The program emphasizes entrepreneurship while providing a strong focus on social studies, reading, and writing skills. Students are encouraged to use critical thinking to learn entrepreneurial skills that support positive attitudes as they explore and enhance their career aspirations. Six required, volunteer-led sessions.

Concepts–Advertising, Apprentice, Auction, Auctioneer, Be Creative and Innovative, Believe in Yourself, Bid, Business, Business Plan, Civic Responsibility, Customer, Entrepreneur, Entrepreneur Profile, Fill a Need, Know Your customer and product, Market, Marketing, Profit, Self-taught, Social Entrepreneur

Skills–Active-listening, Analyzing information, Brainstorming, Creative Thinking, Critical Thinking, Decision-making, Deductive Reasoning, Estimating, Following Directions, Group Work, Interpreting information, Measuring, Money Management, Oral and Written Communication, Problem-solving, Self-assessment. 

All JA programs are designed to support the skills and competencies identified by the Partnership for 21st Century Skills. These programs also augment school-based, work-based, and connecting activities for communities with school-to-work initiatives.



Population(s) Served

Children Only (5 - 14 years)



Program 3

High School Programs

High School Programs :
JA Banks in Action® teaches principles of the banking industry & familiarizes them with the challenges of successfully operating a bank in a competitive environment.

Concepts—Banking careers, Central bank, Human capital, Interest rates, Liquidity, Long-term deposit products, Long-term loan products, Marketing, Products, Profits, Research & development, Reserve, Reserve requirement, Rule of 72, Services, Short-term deposit products, Short-term loan products, Spread.JA Be Entrepreneurial® focuses on challenging students, through interactive classroom activities, to start their own entrepreneurial venture while still in high school.

Concepts—Code of ethics, Fallacies, Gatekeeper, Goal assistants, Goal obstructions, mentor & role model, Interdependence, Marketing, Multinational corporation, Profit, Propaganda, Stakeholders, Stockholders

 JA Careers with a Purpose® introduces students to the importance of seeking careers that help them realize their life potential & noble purpose.

Concepts—Career, Career choices, Job, Life roles, Maxim, Noble purpose, World of work.

JA Economics® examines the fundamental concepts of micro-, macro-, & international economics.

Concepts—Economic systems, Exchange rates, Fiscal policy, Government, Gross domestic product, Inflation, Investment, Labor, Markets, Opportunity costs, Productivity, Scarcity, Supply, Trade.

JA Exploring Economics® fosters lifelong skills & knowledge about how an economy works, including micro-, macro-, personal & international economics.

Concepts—Banks as borrowers & lenders, Command economy, Consumer Price Index (CPI), Consumer purchasing power, Distribution, Economic systems, Federal Reserve System, Free-rider problem, Inflation, International trade, Investing options, Market economy, Market-clearing price, Nonrivalry, Percentage change, Private property, Public vs. private goods, Public vs. private sector, Regional trade, Risk vs. reward, Saving options, Simple interest, Supply & demand, Tariff, Taxes, Trade restrictions, United States Bureau of Labor Statistics (BLS), World trade.

JA Personal Finance® introduces the importance of making wise financial decisions. The program demonstrates the importance of planning, goal-setting, & thoughtful decision-making within the context of personal financial decisions.  

Concepts—Budgeting, Credit, Fraud, Goal-setting, Identity theft, Insurance, Investment, Saving

JA Success Skills®  engaging, academically enriching, & experiential-learning sessions in work-readiness education & career perspectives.

Concepts— Building rapport, Careers,  Citizenship, Communication, Interpersonal skills, Interviews, Leadership, Lifelong learner, Opportunity costs, Professional image, Resumes, Self-confidence, Teamwork.

JA Titan® introduces critical economics & management decisions through an interactive simulation.

Concepts—Business, Capital, Cash flow, Competition, eCommerce, Inventory, Management, Marketing, Production, Profit, Research & development, Risk, Supply

JA Company Program® analyzes & explores personal opportunities & responsibilities within a student-led company.

JA Job Shadow® introduces students to careers through one-day, on-site orientations in the workplace.

Concepts—Building rapport, Business, Careers, Competition, Consumers, Incentives, Income, Investments, Professional image, Resumes, Self-confidence, Teamwork



Population(s) Served

Young Adults (20-25 years) -- currently not in use

Male Youth/Adolescents (14 - 19 years)

Youth/Adolescents only (14 - 19 years)



Program 4

After School Programs

After School Program

JA More than Money™

JA More than Money will meet the needs of a diverse group of students by providing engaging, academically enriching, and experiential learning sessions in economic education.

Following participation in the program, students will be able t

Build on their understanding of money basics and apply that understanding to their daily lives.
Recognize the significance of money management in making informed life-decisions.

Program SessionsSession One: Money in the BankStudents learn to manage a bank account. They play the Community Game to reinforce their money-management skills and to better understand the role and importance of money in their lives.

Session Tw A Sense of WorthStudents identify businesses they can start or jobs they can perform to earn money. Activities focus on developing a positive work ethic. Students continue playing the Community Game to further understand the role of money in their lives.

Session Three: Balancing ActStudents identify personal skills and interests and connect them to possible business opportunities. Working in groups, students learn about market research and play the final round of the Community Game.

Session Four: Building a BusinessStudents explore their job skills and the types of businesses in which they are interested. They identify the basic steps for starting and operating a small business. Using this information, students develop a business plan.

Session Five: Get SMARTStudents continue to practice saving and spending as business teams. The concept of making SMART consumer decisions is introduced through role-playing. Students work as business teams to play Round One of the Business Game.

Session Six: What’s the Catch?During the final session, students learn to recognize deceptive advertising and the importance of ethical business practices. Continuing to work as business teams, students conclude the program by playing Round Two of the Business Game.

 We also can implement our classroom-based programs in after-school settings. Ranging from kindergarten to 12th grade, Junior Achievement programs focus on seven key content areas: business, citizenship, economics, entrepreneurship, ethics/character, financial literacy, and work-related life skills/career development.



Population(s) Served

Children Only (5 - 14 years)

Youth/Adolescents only (14 - 19 years)



Service Areas



Palm Beach, Martin, St. Lucie, Hendry, & Indian River Counties

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Financial information is an important part of gauging the short- and long-term health of the organization.

Fiscal year: Jul 01-Jun 30
Yes, financials were audited by an independent accountant.


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The people, governance practices, and partners that make the organization tick.

Junior Achievement



Free: Gain immediate access to the following:
  • Address, phone, website and contact information
  • Forms 990 for 2015, 2014 and 2013
  • Board Chair, Board Co-Chair and Board Members
  • Access to the GuideStar Community
Need the ability to download nonprofit data and more advanced search options? Consider a Premium or Pro Search subscription.

Principal Officer

Ms. Claudia Kirk Barto



Ms. Jill Tiburzio

NCCI Holdings


GuideStar worked with BoardSource, the national leader in nonprofit board leadership and governance, to create this section, which enables organizations and donors to transparently share information about essential board leadership practices. Self-reported by organization



Does the board conduct a formal orientation for new board members and require all board members to sign a written agreement regarding their roles, responsibilities, and expectations?



Has the board conducted a formal, written assessment of the chief executive within the past year?



Have the board and senior staff reviewed the conflict-of-interest policy and completed and signed disclosure statements in the past year?



Does the board ensure an inclusive board member recruitment process that results in diversity of thought and leadership?



Has the board conducted a formal, written self-assessment of its performance within the past three years?