Our Story

In 2011, Tim Ranzetta volunteered to teach a personal finance course to high schoolers in East Palo Alto, CA and spent countless hours searching for resources and cobbling together his curriculum. He felt there had to be a better way. A place teachers could easily find ready-to-implement resources, enabling them to plan less and teach more.

In 2014, Tim founded Next Gen Personal Finance as a non-profit organization to connect educators with free resources and equip students with the knowledge and skills to lead financially successful and fulfilling lives.


Our Mission

By 2020, we hope to reach 10K teachers and 1M students

Our Team

Sonia Dalal, Curriculum Developer

Sonia Dalal Sonia has always been passionate about instruction and improving students’ learning experiences. She’s come a long way since her days as a first grader, when she would “teach” music and read to her very attentive stuffed animals after school. Since then, she has helped students as a K-12 tutor, worked in several EdTech startups in the Bay Area, and recently completed her Ed.M in Education from the Harvard Graduate School of Education. Her favorite part about working with students is helping them understand a concept they are struggling with and witnessing that “Aha!” moment. This energy is what drives her to create compelling personal finance management content that engages students and allows them to apply what they have learned in a meaningful way in their own lives.

When she isn’t crafting multiple choice questions and lesson plans, Sonia loves to spend her time singing, being outdoors, and adventuring with family and friends!

Jessica Endlich Winkler, Chief Operating Officer

Jessica has an undergraduate degree in finance, spent four years teaching math at a Brooklyn public high school, loves scouring the internet for interesting things to learn, and has a real soft spot for spreadsheets: It’s as though this position at NGPF was created just for her. A graduate of Bank Street College of Education, she considers learning personal finance to be a matter of social justice and views the work perpetually through that lens. Having spent the previous six years as a school leader, Jessica misses the daily interaction with teachers but is glad she no longer has to monitor hallways.

Laura Matchett, Director of Teacher Engagement

After graduating with an education degree and spending 7 years in an elementary classroom, Laura made the switch to the non-profit world and loves interacting with students, educators and business professionals across the country.   She is passionate about all students having access to high quality education and views personal finance education as one way to ‘level the playing field’.

When Laura is not locating or creating high quality educational resources, you can find her mountain biking or searching for the best ramen in town!

Tim Ranzetta, Founder

DSC_9955 - Version 2Tim’s saving habits started at seven when a neighbor with a broken hip gave him a dog walking job.  Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.

Hari Vasu-Devan, Director of Curriculum and Professional Development

As a young Indian immigrant, Hari was extremely privileged to learn about financial literacy by way of his parents.  Following undergraduate degrees in Business and Economics from the UC Berkeley and a graduate degree in Economics from NYU, Hari’s first career was as an investment banking professional with Citigroup.  Intent on pursuing a social justice mission to provide students with access to the same privileges and opportunities that he has enjoyed, Hari made a career change, earned a graduate degree in Education from Northwestern University and taught high school math, economics and personal finance as well as served as an instructional coach/school leader and program director with Chicago Public Schools, KIPP and Leadership Public Schools.  

For leisure, Hari is an avid traveler and is a passionate outdoorsman, spending every weekend in the winter skiing in the Lake Tahoe region and the warmer months SCUBA diving or backpacking through the Sierra Nevada. 

Niko Lillios, Intern

Niko is currently a Junior at Palo Alto High School.  From selling homemade pies to umpiring Little League Baseball to repairing classic arcade games, Niko has always explored creative ways to make money through his interests. He also enjoys playing baseball for his high school and travel baseball teams. His logic oriented mindset is his most valuable asset in various NGPF projects.

Ren Makino, Intern

Ren is currently a Freshman at Lafayette College in Easton, PA. He plays rugby for his college and enjoys living on the East Coast. Thanks to going through the NGPF curriculum a couple of times, he budgets in college better than his peers. He edits the NGPF podcast and makes sure it is accessible to teachers on SoundCloud and iTunes. You will probably see his name time to time on the NGPF forum where he actively replies to forum posts.

Sid Sharma, Intern

Sid is currently a Senior at Palo Alto High School. He is the former treasurer and current member of the Palo Alto Youth Council and current leader of the Youth Friendly Business Initiative. He enjoys playing lacrosse for his school team and in his free time. His dad is a money manager, gifting Sid with an early love for investing and personal finance. Sid uses his attention to detail and organizational skills to help NGPF with product launches.


The New York TimesJanuary 2017 6 Tips For Avoiding The Worst Student Loan Repayment TrapsRon Lieber
Vermont BizJanuary 2017 Center for Financial Literacy Gets $120,000 Grant From NGPF for Teacher Training
Practical Money Skills for LifeOctober 2016 Laura Falk (NGPF Fellow) Named Innovative Educator
The Oregon TimesOctober 2016Sue Suttich (NGPF Fellow) wins Personal Finance Teacher of the Year
Beacon Times, Tom's River, NJSeptember 2016Pinelands Jr. High teacher chosen for National Personal Finance CommitteeJulie Bonetti
Practical Money Skills For Life (VISA)September 2016Maureen Neuner, NGPF Fellow, Recognized as VISA Innovative Educator
FeedspotSeptember 2016Top 100 Personal Finance Blogs Everyone Must Read
NBC NewsJuly 2016How People Live With Student DebtHerb Weisbaum
Jump$tart Iowa CoalitionJune 2016NGPF Leads Workshop at 16th Iowa JumpStart Annual Conference
Daily CitizenMay 2016Teacher Award Winner Named
(David Soldner, NGPF Teacher Innovator)
K. Thomas
Colonial School DistrictMay 2016Plymouth Whitemarsh Teacher Receives National Award
(Nancy Labricciosa, NGPF Teacher Innovator)
Next Gen Personal FinanceMay 2016Next Gen Personal Finance Announces Teacher-Innovator Award WinnersTim Ranzetta
Jump$tart Coalition for Personal Financial LiteracyMay 2016Next Gen Personal Finance Featured in JumpStart Financial Fridays NewsletterHeather McElrath
US Bureau of Labor StatisticsMarch 2016On Your Own: Becoming Self Sufficient (Career Outlook)Dennis Vilorio
Jump$tart CaliforniaOctober 2015California Jump$tart Coalition Newsletter
The Palo Alto High School CampanileOctober 2015Personal Finance Should Be a Graduation RequirementJeremy Fu
Montana Business Educators AssociationOctober 2015Wednesday Reader: Montana Business Educators AssociationEric Swenson
The Wall Street JournalJune 20159 Ways to Make Your Kids Smarter About MoneyJonathan Clements
The New York TimesMay 2015Things They Wish They’d Known About Student LoansRon Lieber
mint.comMarch 2015Expert Interview with Rebecca Wiggins on Financial Counseling and Education
GooruOctober 2014Gooru Learning Newsletter
BLACK MagazineOctober 2014Major Found, Value Not GuaranteedNelson Tirado III

Previous Events

June 13 , 2017Wyoming Association for Career and Technical Education Summer Conference
June 07 , 2017Tennessee Jump$tart Conference
April 28 , 2017Augusta, MEFostering Financial Education in Maine Schools Conference
April 12 , 2017Chicago, IL2017 Financial Literacy Summit
April 07 , 2017Natick, MAMassachusetts Business Educators Association
April 05 , 2017Washington, DCJump$tart State Coalition Leaders' Meeting
March 10 , 2017NGPF FinCamp: Palo Alto
January 25 , 2017Orange, NJOrange Public Schools Teacher PD
January 20 , 2017Sacramento, CABusiness Education Resources Group
December 10 , 2016Providence, RIFinancial Capability Conference
December 05 , 2016San Francisco, CASan Francisco Unified School District Teacher PD
December 01 , 2016Palo Alto, CAPalo Alto High School Teacher PD
November 11 , 2016Burlington, VT2016 Vermont Jump$tart Educator's Conference
November 08 , 2016New York, NY14th National MoneyPOWER Conference for Financial Literacy
November 05 , 2016Dallas, TXJump$tart National Educator Conference 2016
October 29 , 2016Washington, DCDC Public Schools Teacher Training
October 22 , 2016Washington, DCDC Public Schools Teacher Training
October 14 , 2016Salem, ORFinancial Beginnings – Financial Literacy Conference
October 13 , 2016Baton Rouge, LAFinancial Education BootCamp
October 10 , 2016Richmond, VAVirginia Financial Literacy Summit