Money Camps, Inc. (www.moneycamps.com) holds events for people of all ages, especially children. Money Camps for Kids was created to introduce the world of finances to young people in a lively, interactive environment. Through discussion, games, storytelling, and role-playing, small groups of campers learn the fundamentals of banking, investing, and charitable giving. There are no classrooms or rigid guidelines. Geared for young people from all economic backgrounds, the curriculum is focused but fun. Afternoons and evenings are open for kids and parents to enjoy time together or engage in their own activities.

The Money Camp For Kids (www.themoneycamp.com) uses a day camp format to provide middle and high school-age kids with financial tools to help them choose and create financial independence. Through games, activities, speakers, group exercises, projects, and field trips, kids learn how money works. They learn that financial independence is their choice and their responsibility. Topics covered include loans, rent, utility bills, and even managing a food budget. (This program is not affiliated with Money Camps, Inc.’s Money Camps for Kids.)

Independent Means Inc. (www.independentmeans.com) provides on-the-ground programs, camps, seminars, books, newsletters, games, and other activities for kids, parents, and mentors, and the companies that serve them. Independent Means offers gender specific financial education, including programs like their DollarDiva and MoneyGuys Workshops, which give young people a chance to develop economic self-confidence without worrying about the pressure to perform for the opposite sex at a pivotal stage in life. It also delivers added-value seminars, newsletters, and more to financial advisors, including a financial-competency assessment, Money$core, for 5-to-25-year-olds.

The American Dream Planner (www.americandreamplanner.com) software was conceived as a means to keep track of the choices made as an individual works to achieve financial success. It provides information and analytical tools to test whether these choices are sound or if problems might occur. In other words, users can test investment choices and create alternative scenarios to later compare side-by-side, with instantaneous feedback. Advisors can also use it with families and kids, and get right to the point. You can show kids different rates of return and the impact of different spending decisions. Some advisors build guessing games and multiple-choice games around it. Download the free demo from the Web site to test it out.