Financial Literacy – it’s not another trendy catch-phrase.  It reflects a serious discussion among government, private and public sector organizations deeply concerned about disturbing trends in the fiscal behavior of average Americans.  This movement for a financially literate society is based on the overriding belief that American’s can’t ‘do better’ if they don’t ‘know better’.  ‘Knowing better’ does not of course in itself cure-all-ills related to poor fiscal behavior.  Becoming educated is where we must begin.        The Government Accountability Office (GAO) has defined financial literacy “as the ability to understand financial choices, plan for the future, spend wisely, and manage the challenges that come with life events such as job loss, and saving for retirement or a child’s education” (GAO-05-93SP).  This is what America needs and wants.  The 2005 Ameriprise Retirement Services Survey records “a dramatic increase from 2004 in the number of workers indicating some need for assistance in deciding how to allocate their retirement plan assets.  More than 2 out of 3 workers (65%) are looking for help, versus just more than half of all workers in 2004 and 2002”. A movement for national financial literacy and consumer education has lead to Title V of The Fair and Accurate Credit Transactions Act.  This Act lead to the creation of the Financial Literacy and Education Commission comprised of 20 federal agencies and charged it with coordinating federal efforts to develop a national strategy to promote financial literacy and report on recommendations for improving financial literacy in the United States.  The formation of the Financial Literacy and Education Commission has sparked a flurry of studies and initiatives in the cause of financial education. The Heartland Institution provides Premier Advantage agents an opportunity to access an untapped business to business marketplace by delivering ERISA mandated financial education to business owners, executives and their employees.  The Heartland Institute instructs its' registry members, who are financial professionals, on how to become effective educators and a "resource" for financial information.  The Certified Financial Educator (CFEd®) registry program will help educate financial professionals on how to financially educate our nation.