top of page
1000008618 (2752×1536).jpg
UMOJI FINANCIAL LIBERATION.png

THE UMOJI PROSPERITY STRATEGY

UMOJI FINANCIAL LITERACY INITIATIVE

Statement of Intent: UMOJI Financial Literacy Initiative with World Financial Group Date: May 31, 2025 Purpose UMOJI is committed to empowering adults reentering society after incarceration by providing holistic support—addressing not only housing, employment, and wellness, but also the critical area of financial literacy. As part of our mission to promote sustainable reintegration and generational wealth, UMOJI seeks to partner with World Financial Group (WFG) to integrate their industry-leading financial wellness tools, assessments, and educational resources into our program offerings. Background Financial instability is one of the greatest barriers facing formerly incarcerated individuals. Without access to practical, actionable financial education and ongoing support, many struggle with budgeting, saving, managing debt, and planning for the future. UMOJI’s Financial Literacy Initiative is designed to close this gap by providing evidence-based, actionable, and compassionate financial education as a foundation for long-term success. Partnership Overview UMOJI proposes to collaborate with World Financial Group to: Adopt WFG’s Financial Wellness Assessment Model: UMOJI will utilize WFG’s financial wellness checks and assessment tools as a standard part of our intake and ongoing support process. This will help participants identify their current financial status, strengths, and areas for growth. Integrate WFG Educational Resources: WFG’s workshops, seminars, and one-on-one coaching will be offered to UMOJI participants, providing practical knowledge on topics such as budgeting, debt management, insurance, investment basics, retirement planning, and wealth-building strategies. Holistic Financial Wellness Approach: The WFG model aligns with UMOJI’s holistic philosophy—addressing financial health as an essential component of overall well-being. By incorporating financial wellness checks alongside our existing wellness programs, we ensure participants receive comprehensive support for mind, body, and finances. Foundation for Financial Liberation: Together, UMOJI and WFG will empower individuals to move from financial crisis to financial stability, and ultimately to financial growth. Our shared goal is to give every participant the tools and confidence needed to achieve generational wealth and break cycles of poverty. Implementation WFG representatives will provide initial and periodic financial wellness assessments for all UMOJI participants. UMOJI will offer ongoing financial literacy classes, bootcamps, and workshops based on the WFG curriculum. Participants will have access to WFG’s network of financial professionals for individualized coaching and support. UMOJI will track participant progress, using WFG’s assessment metrics and feedback to continually improve program effectiveness. Commitment UMOJI is dedicated to maintaining the privacy and dignity of all participants. All financial assessments and coaching will be conducted in accordance with our strict privacy policies and in partnership with trusted WFG professionals. Conclusion Through this partnership, UMOJI and World Financial Group will set a new standard for financial literacy and wellness among reentering citizens. By combining UMOJI’s community-driven support model with WFG’s proven financial education resources, we will create lasting, transformative impact for individuals, families, and communities. Contact For more information or to formalize this partnership, please contact: UMOJI | www.umojienergy.com | umojienergy@gmail.com | 503-479-5493 World Financial Group

UMOJI PARTNERS IN OUR FINANCIAL LITERACY INITIATIVE: OUR FINANCIAL EXPERTS 

UMOJI OFFERS GRANTS & SCHOLARSHIPS FOR THOSE IN NEED FOR OUR STUDENT ENROLLMENTS

UMOJI FINANCIAL LIBERATION.png

OUR RECIPE PLAYBOOK

Financial Literacy Recipe: Essential Ingredients 1. Budgeting & Money Management Creating and maintaining a budget Tracking expenses and income Setting financial goals (short-term and long-term) Building healthy money habits and routines 2. Savings Emergency fund (3–6 months of expenses) Short-term savings (for planned purchases or events) Long-term savings (big goals, future needs) Understanding different types of savings accounts 3. Banking Basics Checking and savings accounts Online/mobile banking tools Understanding bank fees and services Using debit cards and ATMs responsibly 4. Credit & Debt Management Understanding credit scores and reports Building and maintaining good credit Using credit cards wisely Managing and paying down debt (student loans, car loans, credit cards) Debt consolidation and repayment strategies 5. Insurance Life insurance Health insurance Disability insurance Auto, renters, and homeowners insurance Understanding coverage, premiums, and deductibles 6. Investing Stocks, bonds, and mutual funds Exchange-Traded Funds (ETFs) Real estate investing Annuities Diversification and risk management Retirement accounts (401(k), IRA, Roth IRA, etc.) Understanding investment fees and advisors 7. Retirement Planning Social Security basics Employer-sponsored retirement plans Individual retirement accounts Pension plans Retirement income strategies 8. Securities & Wealth Management Understanding securities (stocks, bonds, mutual funds) Building a diversified portfolio Wealth-building strategies for different life stages Working with financial advisors or planners 9. Income & Employment Understanding paychecks and deductions Negotiating salary and benefits Side hustles and entrepreneurship Tax basics and filing returns 10. Taxes Income taxes (federal, state, local) Tax-advantaged accounts (HSAs, FSAs, IRAs) Deductions and credits Recordkeeping for taxes 11. Estate Planning Wills and trusts Power of attorney Beneficiaries Planning for generational wealth transfer 12. Financial Wellness & Protection Identity theft protection Fraud awareness and prevention Financial wellness checkups and assessments Setting up financial routines and check-ins 13. Giving & Philanthropy Charitable giving and donations Planned giving strategies Volunteering and community investment Optional “Seasonings” for Extra Flavor: Mindset and behavior around money Financial literacy apps and digital tools Money conversations with family and children Cultural and faith-based approaches to financial stewardship

Vision

UMOJI 8-Week Financial Literacy Curriculum Theme: “Building Wealth, Wisdom, and Wellness—For Life!” Textbooks & Core Resources “The Total Money Makeover” by Dave Ramsey (core adult/teen text) “Smart Money Smart Kids” by Dave Ramsey & Rachel Cruze (great for families/youth) “Money Ninja” by Mary Nhin (for children, fun intro) “Investing for Kids” by Dylin Redling & Allison Tom (youth-friendly) World Financial Group’s Financial Literacy Workbooks & Assessment Tools (as available) Online Simulations: Practical Money Skills (Visa), Next Gen Personal Finance, or WFG’s digital modules Supplemental: “Rich Dad Poor Dad” (Teen Edition), “The Berenstain Bears’ Trouble with Money” (for little ones) Week 1: Money Mindset & Goal Setting Topics: What is money? Needs vs. wants Setting “SMART” financial goals Mindset and beliefs about money Assignment: Create a vision board of your financial dreams (draw, collage, or digital) Journal: “What does wealth mean to me?” Family discussion or group chat: Share one money lesson you’ve learned Fun Activity: Play a money trivia Kahoot or board game (Monopoly Jr., The Game of Life) Week 2: Budgeting Basics Topics: Income, expenses, and tracking money How to build a simple budget The envelope system (hands-on demo) Assignment: Track your spending for 7 days (use a worksheet or phone app) Build a basic budget using real or “practice” money Fun Activity: Budgeting relay: Teams build budgets with play money and “shop” for needs/wants Week 3: Saving & Emergency Funds Topics: Why save? Emergency funds—what, why, and how much Where to keep your savings (piggy bank, bank account, digital wallet) Assignment: Set a savings goal (short-term and long-term) Make a “savings jar” or digital savings tracker Fun Activity: Savings challenge: Who can save the most “spare change” in a week? Week 4: Understanding Credit & Debt Topics: What is credit? Credit cards vs. debit cards How debt works (good vs. bad debt) Credit scores (and why they matter) Assignment: Research: What is a credit score, and how can you build it? Scenario game: “Would you borrow or save?” Fun Activity: Credit score board game: Earn points for good financial decisions Week 5: Banking & Financial Tools Topics: Types of bank accounts How to open/manage an account Online banking, mobile apps, and digital security Assignment: Visit a local bank (field trip or virtual tour) Write a pretend check or make a mock online transfer Fun Activity: “Banker for a Day” role-play Week 6: Introduction to Investing Topics: What is investing? Stocks, bonds, and mutual funds (simple explanations) Compound interest (the magic of time) Risk vs. reward Assignment: Start a mock investment portfolio (track a few “stocks” or companies you like) Research: What’s the difference between saving and investing? Fun Activity: Stock market simulation game (online or paper-based) Week 7: Insurance, Protection & Giving Topics: Why insurance matters (health, life, auto, renters) Protecting yourself from fraud/identity theft The power of giving and philanthropy Assignment: Interview a family member about insurance or giving Create a “giving plan”—how would you give back if you had $100? Fun Activity: “Insurance Jeopardy” or “Philanthropy Shark Tank” Week 8: Building Your Financial Future Topics: Planning for big goals (college, business, retirement) Generational wealth basics Creating action plans and daily money habits Review: What did we learn? What’s next? Assignment: Final project: Present your personal “Financial Future Plan” (poster, video, essay, or digital presentation) Take the WFG Financial Wellness Assessment (if available) Fun Activity: Graduation celebration: Money-themed games, certificates, and sharing success stories Bonus/Optional Activities Family “budget night” or community financial wellness fair Book club: Read and discuss a chapter from the week’s book Field trip to a local business, bank, or financial advisor Invite a guest speaker from World Financial Group All ages can participate! For young kids: Use stories, games, and visuals For teens/adults: Dive deeper with real-life scenarios, online tools, and peer discussions

UMOJI FINANCIAL LIBERATION.png
UMOJI FINANCIAL LIBERATION.png

ENROLL TODAY

WE HAVE A SELF-PACE PROGRAM 

AND A COACHING/MENTORSHIP/TRAINING EDUCATIONAL AWARENESS PROGRAM

image (12).jpg

UMOJI STRENGTHS: WE HELP PEOPLE

UMOJI

​THE GLOBAL COMMUNITY HUB

​©2022 by UMOJI, THE GLOBAL COMMUNITY HUB. 

DONATIONS ARE WELCOME!

UMOJI

PO BOX 1082 ALBANY OREGON 97321

Verification of UMOJI's Compliance and Integrity To all stakeholders seeking assurance of UMOJI's unwavering commitment to ethical practices and accountability, this statement affirms our adherence to the regulations established by the Oregon Department of Justice .UMOJI is duly registered with the Office of the Oregon Department of Justice under the Charitable Trust and Corporation Act. Our registration number is 67294. This registration confirms that UMOJI has met all requisite standards and diligently fulfills its ongoing obligations, including the submission of all necessary reports. We maintain the highest standards of transparency and accountability in our operations. This registration with the Oregon Department of Justice demonstrates our proactive commitment to upholding these principles and ensuring full regulatory compliance. Stakeholders can confidently rely on UMOJI's operations, knowing that we conduct our affairs with the utmost dedication to legal and ethical conduct.

THE GLOBAL POPULACE

Target Population Statistics: Global Incarceration and Community Supervision Globally, the scale of incarceration is substantial, with approximately 11.5 million individuals imprisoned, a majority of whom are men. A significant challenge exists in prison overcrowding, as around 120 countries report occupancy rates exceeding their prison system capacity. Pre-trial detention further exacerbates this issue, with roughly one-third of the global prison population being presumed innocent yet confined. In the United States, and specifically within Oregon, a considerable number of individuals are under community supervision and reintegrating into society. At the close of 2022, an estimated 3,668,800 adults were under community supervision, encompassing probation or parole. Oregon releases approximately 143,640 men and 45,181 women from its prisons and jails annually. Wrongful Convictions: Adding to these challenges is the significant issue of wrongful convictions. While precise global figures are difficult to obtain, studies in the United States indicate that a disturbing number of individuals are imprisoned for crimes they did not commit. This can be due to factors such as: Eyewitness misidentification False confessions Flawed forensic science Police or prosecutorial misconduct Racial bias These wrongful convictions represent a profound miscarriage of justice and further underscore the systemic problems within the legal system. These statistics collectively define a target population characterized by: A large global population is affected by incarceration. Significant challenges related to prison overcrowding and pre-trial detention. A substantial number of individuals are transitioning from incarceration to community supervision, as evidenced by national and state-level data. Individuals impacted by wrongful convictions highlight systemic flaws and injustices. This data underscores the need for effective strategies focused on rehabilitation, reintegration, addressing systemic issues within the justice system, and, importantly, working to rectify and prevent wrongful convictions. This is a critical aspect of ensuring justice and aligns with a mission focused on fairness and equity.

umojienergy.com

(A 501C3)(88-4301676 ) Community
bottom of page