Interview from the C-Suite: Rebecca Schoenhardt

Briefly describe your work journey that led to where you are today?

Banking is my second career – I used to be a professional horse back rider and coach!

In equestrian sport, I loved helping people grow in the sport and achieve goals whether it be by training, or at times, navigating the sale/purchase of horse.  After a time, I realized I needed a job where a “bad day at the office” didn’t involve a concussion.

So after some great conversations with my clients, I saw a path forward and went back to school for an MBA in finance.  At the bank I learned that those things that I loved in sport were the same things I loved in financial services: helping people grow and achieve goals, whether that be for a business owner or an individual. Plus I get to help my own team grow in their capabilities and career goals while helping others, so it’s been super fulfilling.

Knowing JA’s three pillars of financial health, work readiness, and entrepreneurship, how do you think being involved in JA learning experiences in your own schooling would have made a difference in your career?

Absolutely! Had I understood more about personal finances from a younger age, it would have been much, much, MUCH easier setting up my own business in my 20’s.  It’s nicer to learn in school than from the school of hard knocks!

What do you think has been the key to your success?

I try to lean into curiosity.  How can we help this business?  What’s really important to this team member?  How can we do better?

If you could do one thing differently in your career, what would it have been and why?

I would have been kinder to myself.  Perfectionism is not a sustainable path, and offering yourself some of the same grace that you offer others around you is an important type of self-care.

What advice would you give young people starting out in business (your industry or any other)?

Remember that soft skills are just as important as hard skills; doing a good job is important, but doing that while making others around you feel good is even better!  And early in your career, particularly in banking, is the best time to explore lateral paths; not every step needs to be a promotion.  Lean into curiosity to build a broad experiential base so as to identify exactly what gives you joy in the workplace, and then you can pursue it at a higher level in time.

What do you think a young person’s biggest opportunity is at this time?

The world’s your oyster!  AI has the potential to bring about huge changes in the economy in a short time, so why not explore how that changes opportunities in any field that you love?  Regardless of computer changes, people will still need places to live, electricity and water, so the trades represent a pretty neat path to entrepreneurship too.

What do you think the biggest obstacle is for a young person today? How could they overcome this?

I think it’s challenging for a young person to decide what they would like to pursue, regardless of era.  To help, think about what you like to do for fun, and how it might translate into responsibilities or work-patterns in a career.  Do you like to work solo, or in a team? Do you like to work on processes or relationships?  It’s hard to listen to your inner voice at times, so ask it some great questions to help find your path forward. 

What is one goal you have set for yourself that you have not yet achieved? What has prevented you from achieving it?

When I was younger, I wanted to go to the Olympics.  And while I have closed that window as an athlete, maybe I could explore it as a judge in the sport.  I’ve not pursued a higher judging designation because I’m having too much fun doing other things at the moment.

What is your biggest passion in life, outside of work?

I love classical music, the opera, and going to the Stratford Festival.  And I spend a great deal of time with family, friends, gardening, golfing, and judging horse shows.  

What three words would your family use to describe you? Are those three words the same or different that your employees would use? If different, what would your employees say?

My family would say I’m cheeky, ambitious, and clever… but not always in a good way 😉

I think my employees would say I’m energetic, competitive, and I hope, kind.   

If a young person reads this interview, what do you want them to take away from it?

Go for it!  When you don’t know exactly which direction to go, choose any direction and you’ll be right.  And if down that path it doesn’t feel good, then you can choose another.

Who has been your greatest inspiration/role model/mentor? Why? What did they teach you?

I’ve had so many mentors and role models in my life – I think of it like a board of directors!  From my parents I learned how important entrepreneurial drive is in business, but also how important it is to help your neighbours and community.

What is your earliest memory of philanthropy? Why do you believe being philanthropic is important personally and/or in your business?

As a child I remember volunteering in a soup kitchen with members of our church.  It was a vivid lesson as it was the first time I saw a different world from my own, how other lives were shaped, and to see that we have a duty to share with each other.

What is it about JA’s mission that makes you choose to support its efforts?

I’m drawn to JA’s support and encouragement of the next generation of entrepreneurs and business leaders.  It’s an inspiration to see firsthand the energy and creativity that they’re bringing to bear to make Canada and the world a better place.

We’re Hiring! Education Program Coordinator – Kitchener (16-week Contract) 

Job Opportunity –

Education Program Coordinator – Kitchener 
(16-week Contract; 35 hours/week; May – August 2025)

JA South Western Ontario is a member of JA Canada and part of JA Worldwide (JA), the world’s largest not-for-profit organization dedicated to educating young people about business.  Through the delivery of hands-on, blended learning in entrepreneurship, financial literacy and work readiness, JA empowers young people to grow their entrepreneurial ideas, hone their work skills, manage their earnings, and secure better lives for themselves, their families, and their communities.

Since 1963, schools in South Western Ontario have relied on JA to prepare young people for success in an ever-changing global economy. JA South Western Ontario is responsible for the geographic area including the counties of Essex, Chatham-Kent, Lambton, Elgin, Middlesex, Oxford, Huron, Perth, Bruce, Grey, Wellington, Waterloo, Brant, Hamilton, Haldimand-Norfolk, and Niagara.

The JA Education Program Coordinator will play a key role in the planning and execution of JA’s entrepreneurship summer camp activities and will also assist in the coordination and execution of other JA in-school programs and events. In May and June, the individual will work directly with JA’s full-time Program Management staff to plan and prepare all necessary components for 4 week-long summer day camps to take place during July and August and will also be called upon to support other JA program activities and events. In July and August, the Education Program Coordinator will take a lead role in the execution of JA’s summer camp program – JA Camp StartUp, which involves campers, ages 8-13, in creating and managing their own small business for a week.

Primary Responsibilities

  • Assisting full-time JA Program Management staff with:  
  • Scheduling field trip type activities (ex. Corporate tours) and sales day locations for summer camps 
  • Reviewing and revising summer camp curriculum documents and resources 
  • Liaising with parents, vendors, and other summer camp partners 
  • Scheduling and training volunteer leaders-in-training for summer camps 
  • Ensuring all resources are in place for successful summer camps 
  • Supervising, facilitating, and participating in camp program activities with campers 8-13 years old 
  • Providing leadership for JA Camp StartUp camp counsellors (2) 
  • Training and supporting summer camp counsellors and volunteer leaders-in-training 
  • Working in cooperation with other Camp Counsellors to ensure campers are safe, while maintaining adequate health and hygiene measures 
  • Building relationships with campers by demonstrating compassion, empathy, and understanding 
  • Assisting with camp set up and tear down activities, such as light cleaning, room preparation, organizing supplies/ materials, etc. 
  • Supporting other JA program events and activities (ex. coordinating and/or facilitating in-school programs and supporting online events) 
  • Other duties as assigned 

Skills/Qualifications

  • Ability to work well with children and parents 
  • Ability to communicate effectively with parents, other Camp Staff, and campers 
  • Ability to motivate others in learning new skills 
  • Ability to demonstrate responsible, ethical, and professional conduct 
  • Ability to provide support and instruction to others 
  • Experience in education or in working with children is an asset 
  • Driver’s License and access to a vehicle is an asset 

This contract position (35.0 hours per week) is funded by the Canada Summer Jobs program. Pay is set at $17.65/hour. You must be between 15 and 30 and be legally entitled to work in Canada to apply. The successful candidate must be available to work 8:30 – 5:30pm, Monday to Friday from May 5 to August 22, 2025. Some work from home will be possible during May/ June, however you may be required at various school or other locations in the Kitchener-Waterloo area for programs or other events. On-site work will be required during JA Camp StartUp weeks in July and August at the camp location – Church of the Good Sheppard, 116 Queen Street N, Kitchener

JA South Western Ontario is committed to a diverse, inclusive, equitable and accessible environment where differences are valued and respected in all areas of our business.  We welcome and encourage applications from people of all backgrounds and abilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.  JA South Western Ontario will not discriminate on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, creed (religion), sex (including pregnancy and gender identity), sexual orientation, disability, age (18 and over), record of offenses for which a pardon has been granted, marital status (including same sex partners), family status, or any other grounds prohibited by the Ontario Human Rights Code.

Are you ready to be a JA Education Program Counsellor? Please email your Resume and Cover Letter to John Wilson at jwilson@jaswo.org. We thank all applicants, however, only those selected for an interview will be contacted.  

April 17, 2025

IN THE NEWS: Flanagan Family of Flanagan Foodservice to be Inducted into Waterloo Region Entrepreneur Hall of Fame

Flanagan Family of Flanagan Foodservice to be Inducted into Waterloo Region Entrepreneur Hall of Fame

Kitchener, ON – February 12, 2025 – The Waterloo Region Entrepreneur Hall of Fame is proud to announce that the Flanagan family (Joe, Dee, Rick, Dan, Jeff and Murray) of Flanagan Foodservice, will be honoured as this year’s Laureates. These visionary leaders have made a lasting impact on the business community through their entrepreneurial spirit, innovation, and dedication to creating positive change in Waterloo Region and beyond.

The gala celebration and induction ceremony will take place on May 13th, 2025 at 5PM in the Embassy Room at Bingeman’s Conference Centre.
For almost five decades, the Flanagan family has been a cornerstone of Waterloo Region’s business community. Flanagan Foodservice was founded by Joe, who is being honoured posthumously, and Dee Flanagan in 1977, and has grown from a small retail location into Canada’s largest Canadian-owned foodservice distributor.

The founders’ vision of providing exceptional service was carried forward by their four sons, who took leadership roles in the 1980s and 1990s. The family’s commitment to reinvestment led to expansion across Ontario and Atlantic Canada, with the company achieving revenue growth every year for 47 years. Through this growth, they maintained a workplace culture emphasizing respect and customer service.

In 2018, the family established a charitable foundation run by three generations of Flanagans, giving back to their community. Today, Flanagan Foodservice stands as a testament to family values, innovation, and industry leadership.

The 2025 Waterloo Region Entrepreneur Hall of Fame Gala will celebrate this family of outstanding leaders for their vision, leadership, and commitment to fostering growth and innovation. Funds raised will be in support of Junior Achievement South Western Ontario, bringing relevant hands-on learning to local students to help them achieve their boundless potential.

CWB Financial Group is taking a leadership role in supporting JA through this year’s event as the Innovate Sponsor. Additional sponsorship opportunities are available.

Tickets will be on sale the week of February 17th, 2025. More information on the event and the 2025 Laureates is available at jaswo.org/ehof.

JA Worldwide Nominated for the 2025 Nobel Peace Prize

JA Worldwide nominated for the 2025 Nobel Peace Prize.

We’re proud to announce that JA Worldwide has been nominated for the 2025 Nobel Peace Prize. JA South Western Ontario is a member of JA Worldwide.

Nobel Peace Prize nominations may be received from heads of state, certain elected officials and cabinet members, university professors in select fields, past Nobel laureates, and other notable individuals, as laid out by the Nobel Nominating Committee. A number of eligible advocates approached us about nominating JA Worldwide and, although the identity of each nominee officially remains anonymous for 50 years, we are thrilled to have been given evidence that we were nominated again this year. The organization was first nominated in 2022—in recognition for JA’s contribution to economic empowerment, prosperity, and peace—and has been nominated every year since.

JA Worldwide is one of the largest youth-serving organizations in the world, combining deep local roots with a global network that spans 100+ countries. We delivered more than 19 million student learning experiences last year, creating a pipeline of skilled, entrepreneurial, and ethically minded young leaders, ready to fuel industries, drive innovation, create social stability, and strengthen economies.

Through our century of impact, JA has operated in big cities, rural communities, and everywhere in between, including in areas of political instability, violence, and war. Even in refugee camps, students not only build resilience in the face of trauma and chaos, but also develop hope for their futures as job creators, leaders, and innovators who actively contribute to the peace of their communities.

As economic instability grows around the world, Asheesh Advani, CEO of JA Worldwide, recognizes the challenges: “The next decade will demand a workforce that is not just skilled, but adaptable and entrepreneurial. With AI transforming the world, millions of young people face the risk of being left behind—unemployable, unproductive, and disheartened—leaving economies to stagnate and societies to falter. JA prepares young people for the road ahead, providing skills-based education and empowering a shift in mindset from ‘I can’t’ to ‘I can.’”

Karen Reddington, Chair of JA Worldwide, added: “Education and economic empowerment lead to prosperity. Without prosperity for all communities, peace is not sustainable.”

Between 1901 and 2024, the Nobel Peace Prize has been awarded to 142 laureates, including 111 individuals and 31 organizations. Among those 31 organizations is another nonprofit from the annual list of the top ten social-good organizations, Médecins sans Frontières (Doctors Without Borders), which was awarded the Nobel Peace Prize in 1999. UNICEF, another youth-serving organization, was awarded the prize in 1965, after being nominated for a number of years. Last year, Japanese atomic-bomb survivor’s group Nihon Hidankyo was awarded the Nobel Peace Prize for raising awareness of the devastating effects of nuclear weapons.

Interview from the C-Suite: Mark Brown & Mary-Ellen Willard

Knowing JA’s three pillars of financial health, work readiness, and entrepreneurship, how do you think being involved in JA learning experiences in your own schooling would have made a difference in your career?

Having early exposure to financial literacy and entrepreneurship would have given us a head start on understanding money management and risk-taking. JA’s work readiness programs would have helped us build confidence in practical skills like interviewing, teamwork, and problem-solving much earlier on.

What do you think has been the key to your success?

The key to our success has been a willingness to keep learning. We believe in always being curious, staying adaptable, and learning from others. Mistakes are part of the process, and viewing them as opportunities to grow has made all the difference.

If you could do one thing differently in your career, what would it have been and why?

If we could change one thing, we would have sought out mentors earlier in our career. Learning directly from someone with experience can accelerate your growth and help you avoid common pitfalls. We learned this later on, and it’s been invaluable ever since.

What advice would you give young people starting out in business (your industry or any other)?

Be curious and proactive. Don’t be afraid to ask questions or explore new opportunities, even if they scare you. The more you learn and grow, the better prepared you’ll be for whatever comes your way. And always build strong relationships—people are the key to success in any industry.

What do you think a young person’s biggest opportunity is at this time?

Technology. Young people today have access to information and tools that previous generations couldn’t imagine. Whether you’re starting a business, learning a skill, or connecting with others globally, technology gives you the power to make things happen.

What do you think the biggest obstacle is for a young person today? How could they overcome this?

The biggest obstacle is information overload. With so much information available, it can be hard to know what to focus on. Our advice is to find a mentor, set clear goals, and prioritize what really matters—one step at a time.

What is your biggest passion in life, outside of work?

Our biggest passion outside of work is traveling. We love experiencing new cultures, meeting new people, and seeing how others live. It keeps us open-minded and constantly learning.

If a young person reads this interview, what do you want them to take away from it?

We want young people to realize that there is no single path to success—it’s about staying curious, being adaptable, and finding joy in learning. Take risks, don’t fear failure, and build strong relationships.

What is your earliest memory of philanthropy? Why do you believe being philanthropic is important personally and/or in your business?

Our earliest memory of philanthropy was participating in fund raising activities at school. We would carry small coin boxes to collect money for Unicef traveling door to door at Halloween. It was a simple initiative, but it made a lasting impression on us about the power of community action. We learned that even small contributions could collectively make a big difference. Being philanthropic is important because it creates a positive impact in society, fosters a sense of responsibility, and helps bridge gaps in our communities. It’s a value that we’ve carried into our business practices by creating the Blue Door Initiative that supports local nonprofit organizations in our community. We’ve supported everything from animal rescue shelters to local theatre groups to up-and-coming musical talents.

What is it about JA’s mission that makes you choose to support its efforts?

We support JA’s mission because we believe in empowering young people to take control of their futures. Financial literacy, work readiness, and entrepreneurship are skills that can open doors and change lives, and JA is giving young people the tools they need to succeed.

We’re Hiring! Program Manager: Company Program and Camps

Job Opportunity – Program Manager: Company Program and Camps, Full-time

JA South Western Ontario is a member of JA Canada and part of JA Worldwide (JA), the world’s largest not-for-profit organization dedicated to educating young people about business.  Through the delivery of hands-on, blended learning in entrepreneurship, financial literacy and work readiness, JA empowers young people to grow their entrepreneurial ideas, hone their work skills, manage their earnings, and secure better lives for themselves, their families, and their communities.

Since 1963, schools in South Western Ontario have relied on JA to prepare young people for success in an ever-changing global economy. JA South Western Ontario is responsible for the geographic area including the counties of Essex, Chatham-Kent, Lambton, Elgin, Middlesex, Oxford, Huron, Perth, Bruce, Grey, Wellington, Waterloo, Brant, Hamilton, Haldimand-Norfolk, and Niagara.

The JA Program Manager: Company Program and Camps is responsible for the planning and execution of the JA Company Program and JA Camp StartUp (Summer Camps) throughout southwestern Ontario. This Program Manager’s job portfolio includes organizing both after-school and in-school JA Company Programs for high school students and Summer Camps for 8-13 year olds.

Primary Responsibilities

Company Program Management: Manage the recruitment, registration, and scheduling process for students, schools, and teachers for in-school and after-school JA Company Programs and variants (ex. CP Ideation Bootcamp). Match volunteers with programs as appropriate and act as a liaison between volunteers and other program stakeholders. Provide orientation and ongoing support to participants. Assist in establishing and monitoring program delivery goals and reporting. Manage program resource requirements, including space, materials and equipment. Oversee Company Program banking and financial systems as well as e-commerce platforms. Collaborate with local JA Program Managers to provide robust support for local Company Programs.

Summer Camp Management: Plan and coordinate JA summer camps. Support the hiring, onboarding, training, support and supervision of seasonal camp staff and volunteers. Communicate with parents. Manage camp resource requirements, including space, materials, equipment, etc. Collaborate with local JA Program Managers to provide robust support for local summer camps.

Volunteer Management: Support the volunteer recruitment, onboarding, and training process. Provide program-specific training and support to volunteers. Maintain professional working relationships with Company Program volunteers to support them and their students through the Company Program experience.

Additional duties and responsibilities: Maintain accurate records in line with organizational standards and objectives. Represent JA in the community in a positive and professional manner. Support community relations and brand awareness activities as assigned.  Assist in identifying prospective new funding sources to ensure future program sustainability. Assist in organizing and executing other JA-organized events and activities as required.

Education/ Experience

  • Relevant post-secondary education (ex. Business, Education, Communications, Arts) and/or experience is required.
  • Experience in educational program, project, or event management is preferred.
  • Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook, Teams).
  • Experience with customer relationship management (CRM) systems, such as Salesforce, and/or learning management systems, such as Moodle, is considered an asset.
  • Current driver’s license and access to a vehicle are required as some local travel may be required.
  • Excellent oral and written communication skills.
  • Excellent group facilitation, team coordination, and organizational skills.
  • Strong interpersonal skills, with a proven track record of working with diverse stakeholders.
  • The ideal candidate will be innovative and forward-thinking with a passion for providing exceptional learning experiences for young people.

This full-time position (40.0 hours per week) is available immediately. This Program Manager will generally be expected to work regular hours, Monday through Friday, 9am-5pm. However, flexibility is required to support after-school/ evening programs and evening/weekend events, for which the Program Manager may adjust their schedule during the week to accommodate the time required outside of regular hours. The salary range for this position is $40,000-$50,000 annually. The position is based in London, Ontario and reports to the Director, Programs and Operations. On-site work at the London office will be required on a regular basis with some ability to work from home, provided the successful candidate has a suitable quiet environment from which to work, with a desk and reliable and secure internet access. Meetings at locations throughout the region may also be required. A laptop will be provided.

As JA South Western Ontario is a youth-serving organization, the successful candidate must undergo a Criminal Record Check with Vulnerable Sector Search.

JA South Western Ontario is committed to a diverse, inclusive, equitable and accessible environment where differences are valued and respected in all areas of our business.  We welcome and encourage applications from people of all backgrounds and abilities. Accommodation is available on request for candidates taking part in all aspects of the selection process.  JA South Western Ontario will not discriminate on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, creed (religion), sex (including pregnancy and gender identity), sexual orientation, disability, age (18 and over), record of offenses for which a pardon has been granted, marital status (including same sex partners), family status, or any other grounds prohibited by the Ontario Human Rights Code.

Are you ready to contribute to JA’s mission of inspiring and preparing youth to succeed in a global economy? Please submit your cover letter and resume by email to kchafe@jaswo.org by January 31, 2025. The position will remain open until it is filled. We thank all applicants, however, only those selected for an interview will be contacted.

January 16, 2025

Our 2023-2024 Annual Report

2023-2024 marked the 60th anniversary of JA in South Western Ontario. It was truly a year for celebration – a return to more “normal” school operations and an increase in volunteer engagement were highlights. Read more…

DOWNLOAD OUR 2023-2024 ANNUAL REPORT

Our 2023-2024 Annual Report

Charitable Giving – It’s Not About the Taxes

When I was in my teens, my grandmother told me that she and my grandfather sent money ‘home’ (to Ireland) as soon as they were married. Grandma Lily had come from Ireland at the age of twelve

 on a boat by herself and began working as a housekeeper in the early 1900’s. I could not imagine how much money they would have had when they married. I asked her why they would do this, and her answer was so simple it still brings a tear to my eye today, “We had more than they did.” 

I was blessed to be raised by charitable people who consistently gave back. While I am not rich, I too have more than many and believe strongly in being part of the fabric of society that makes it richer. 

Seldom over my decades long career have I asked a donor the reason for their generosity to a given charity and heard “it will save me money on my taxes.” Sure, for some donors, the gifts they give certainly impacted their taxable income, but that is not the driving force.  

Charity is the ‘benevolent goodwill toward, or love of humanity.’ Nowhere does that mention receiving anything in return.  

People give to specific causes for many reasons. Often, they have a love of animals, have used that service themselves, i.e. hospital or food bank or are an alumnus i.e. university or Junior Achievement! 

But things are getting tougher for non-profits. 

According to The Giving Report 2024 – Canada Helps.org, for the eleventh consecutive year, the number of Canadians making charitable donations has decreased.

 Over that time, Canada Revenue Agency tax filer data shows donation rates declined from 23.4 percent in 2010 to 17.7 percent in 2021. Similar findings were also highlighted which reveals that giving participation dropped from 82 percent in 2013 to 60 percent in the 2023 survey. 

With more Canadians than ever relying on charities for basic needs such as food, shelter, health services, and education the current Canada Post strike is poised to have a direct impact on charities across the country.  The Association of Fundraising Professional surveys say that many charities receive at least half of their annual donations during the final three months of the year, with December being the most pivotal month, creating additional challenges for charities. 

Charities cannot wait for strikes to settle to deliver on their mission and hope that donors will investigate new methodologies for giving including on-line through the charity’s website, third party platforms such as Canada Helps, or Gifts of Securities through their advisor.  

What remains constant is that as the holidays approach, and so too the end of 2024, it is time to reflect on what this year was, and what is possible for the next.  

Giving can look quite different for each of us. Financial contributions come in different amounts and for some individuals, gifts of time are the only possibility. Whether it is time, talent, or treasure, every gift you make this holiday season will have an impact on the community you live in. Think about what you want that impact to be. 

As Dalai Lama said, “Generosity is the most natural outward expression of an inner attitude of compassion and loving-kindness.” 

Here are just a few ideas: 

  1. Sign up to deliver a JA learning experience to a classroom full of eager students either alone or through your company
  2. Donate to ensure a student has access to a JA learning experience
  3. Check in on a neighbour who may not have family close by. 
  4. Invite a friend you have not seen for some time out for coffee. 

Whatever you choose, I hope that your gift will leave you with a feeling of warmth in your heart.  

Wishing you and yours the best of the holiday season. 

Heather J. Scott, CFRE
Director, Philanthropy
JA South Western Ontario

The deadline to make a charitable donation to JA South Western Ontario is December 31, 2024. DONATE TODAY. 

Financial Health: Let’s Talk About It

When I was growing up, money referred to the bills and coins you had in your wallet (or piggy bank).  Young people today are less familiar with physical currency, but their need to understand financial health concepts is the same.  November is a great time to talk about money, since it’s Financial Literacy Month. This year, the Financial Consumer Agency of Canada (FCAC) is focusing on breaking the taboo around talking about money.  It’s a perfect opportunity to highlight why it’s crucial for young people to learn about money from an early age.

Why Financial Literacy Matters for Young People

  1. Building a Strong Foundation: Understanding money management early on helps young people develop a solid foundation for their financial future. It equips them with the skills to make informed decisions about saving, spending, and investing.
  2. Avoiding Debt: Financial literacy can help young people avoid common pitfalls like credit card debt and student loans. By learning about budgeting and the importance of living within their means, they can steer clear of financial traps that can lead to long-term debt.
  3. Empowering Independence: Knowledge about money fosters independence. Young people who understand financial concepts are better prepared to handle their finances when they move out, start working, or pursue higher education.
  4. Encouraging Smart Investments: Early financial education can spark an interest in investing. Understanding the basics of investments, such as stocks, bonds, and mutual funds, can lead to smarter financial decisions and wealth accumulation over time.
  5. Promoting Financial Confidence: Discussing money openly can boost financial confidence. FCAC’s research shows that talking about money increases financial confidence, which can lead to more
  6. positive financial outcomes. This is especially important for young people as they navigate their financial journeys.

How to Get Started

  • Talk About Money: Encourage open conversations about money at home. Discuss budgeting, saving, and the importance of financial goals.  Share tips that have helped you over the years (Mine? To help you stay on a budget, pay for things like groceries, gas, etc with cash.  You’ll be less likely to overspend)
  • Use Resources: Take advantage of the tools and resources available through Junior Achievement https://jaswo.org/quick-inspirations/ . These can provide valuable insights and practical tips for managing money.
  • Set Goals: Help young people set realistic financial goals. Whether it’s saving for a new gadget or planning for college, having clear goals can motivate them to manage their money wisely.

Conclusion

Financial Literacy Month is a reminder of the importance of financial education, especially for young people. By equipping them with the knowledge and skills they need to manage their finances, we can empower the next generation to achieve financial success and independence.

Karen Gallant
President and CEO
JA South Western Ontario

Interview from the C-Suite: Larry Myny

Larry Myny

Briefly describe your work journey that led to where you are today?

My professional journey began with 18 months in farm sales, where I gained valuable experience selling grain, fertilizer, and seed. This initial role allowed me to develop a strong understanding of agricultural commodities and their market dynamics. However, I eventually decided to pursue other interests that would lead me to greater challenges.

I then became the youngest commodity broker in North America, dedicating the next 8 to 10 years trading commodities primarily with hedging client’s financial risks. I managed several portfolios, thriving in the fast-paced and high-pressure environment that the commodities market demands. My career started at Merrill Lynch, where I honed my trading skills and learned the intricacies of the financial markets.

Recognizing the need for a shift, I transitioned to a retail-focused role, as I realized the life expectancy of business relationships in the commodities sector is often short-lived and leads to a lack of fulfillment. Seeking a better work-life balance, I moved into the parent company part of sales and focused on building a retail business. By 1996, I had fully transitioned away from commodities, concentrating on expanding my client base and establishing long-term business relationships with individual investors.

Throughout my career, I have remained passionate about the markets and genuinely enjoy working with people to help them achieve their financial goals.  I believe in simplifying the investment process and creating tailored strategies that align with my clients’ objectives . This approach has allowed me to build a successful retail business while fostering meaningful client connections.

 

Knowing JA’s three pillars of financial health, work readiness, and entrepreneurship, how do you think being involved in JA learning experiences in your own schooling would have made a difference in your career?

If I’d had been involved with JA in high school it would have exposed me to areas of business that I had no experience with at that age.  Coming from a family tobacco farm it was the path I assumed I would continue. However, after taking specific business classes (financial statements, marketing etc.) and taking a trip to the Toronto Stock Exchange, I was inspired to start in the financial industry. Exposure = education.

 

What do you think has been the key to your success?

What my father taught me!  Set a target – work hard.

One of the most important lessons my father taught me is the value of hard work. He always emphasized that nothing worthwhile comes easy, and the key to achieving a goal is to dedicate yourself fully to the task at hand. My father instilled in me the importance of setting clear targets and working diligently toward them.  Whenever I face challenges, I remind myself to focus on my goals and make the necessary effort to reach them. This mindset has been instrumental in my journey, shaping my approach in both my professional and personal life. By working hard and staying committed to my targets, I have learned that perseverance and determination can lead to success in whatever I choose to pursue.

 

If you could do one thing differently in your career, what would it have been and why?

I would not change anything in my career as all the ebbs and flows in this industry have brought me to where I am today.

 

What advice would you give young people starting out in business?

Pressure is a privilege!  Starting off in any career will not be a 9 to 5 position should you want to excel and succeed. Roll up your sleeves and jump in. Having and keeping connected to multiple mentors is a necessity. Realize that stress is a part of life.

 

What do you think a young person’s biggest opportunity is at this time? 

You can always work harder than your competition.

 

What do you think the biggest obstacle is for a young person today? How could they overcome this?

I was born with an extremely busy brain so I had professionals and consultants help me learn that it was a gift, not a curse.  They all played a critical part in helping me overcome and learn to focus, hence being more efficient with my time and organizational skills.  Having a great assistant and staff that have been loyal and part of the team for over 30 years were key factors in my success.

Having clear cut vision and written goals (1 yr, 5 yr and 15 yr plans).  Learning work ethic and going above and beyond. Being patient with the process and learning as much as they can from everyone. Remember: Integrity follows you for life.

 

What is one goal you have set for yourself that you have not yet achieved? What has prevented you from achieving it?

So many great community leaders have been nominated to the Business Hall of Fame.  It would be an honor to be named to the Business Hall of Fame but because I am not technically an independent business person, I don’t qualify.

 

What is your biggest passion in life, outside of work?

Work to live, not live to work!  Spending time with family and friends. Sports (skiing, hockey, golf, fishing, motorcycle, boating, woodworking and adventure/extreme travel)

 

What three words would your family use to describe you? Are those three words the same or different that your employees would use? If different, what would your employees say?

Driven, compassionately committed and boundless energy.

 

If a young person reads this interview, what do you want them to take away from it?

Success is achieved by those who go get it. Be focused, driven, and not afraid to stand out from your peers. Be open to volunteering and helping in the community and those around you.  Do not fear failure as failure is a part of success.

 

Who has been your greatest inspiration/role model/mentor? Why? What did they teach you?

My father and mother played a vital part in my success, passing on their work ethic, values and reiterating that challenges are what make you grow.  Another couple, who I admire and have inspired me through their philanthropy, are people with great integrity and incredible values. I believe having people like this in my life reinforces my own values.

I have clients who are professional athletes and have always been in awe of their dedication to their goals. It takes grit, perseverance and mental stamina to succeed as a professional athlete.

 

What is your earliest memory of philanthropy? Why do you believe being philanthropic is important personally and/or in your business?

A six-year-old boy who did not have a father present in his life was a child that I took under my wing and in a sense, adopted. To this day I am like a father to him and a grandfather to his children. This young boy ended up getting a Master’s in Education, is a great son, father and husband. He is family and I consider him my son.

I have always chosen specific organizations to support with my time and money. It started with the United Way where I spent 22 years on fundraising campaigns and helped raise a significant amount of money.  I have been on numerous Boards and volunteered with many worthwhile causes, over the years.  I’ve watched closely and learned from the philanthropic efforts of past and present community leaders such as those who have been honoured in the Business Hall of Fame .  All have the same mindset; it is each of our responsibilities to give back.  Giving back is high on my priority list and part of my Christian beliefs.

 

What is it about JA’s mission that makes you choose to support its efforts?

I have supported JA for over 30 years and fully support the JA mission. JA offers students hands-on learning, teaching economics, networking, the importance of community involvement and so much more. Students flourish when they are involved with JA. They are exposed to great mentors and people they can aspire to be.  These students are our future leaders.

Interview from the C-Suite: Adam Davis

Briefly describe your work journey that led to where you are today?

I founded Next Dimension 27 years ago with two business partners, starting out in a customer’s warehouse on Hawthorne Blvd. Back then, we had just one client, our personal PCs, and a mission to deliver outstanding IT support to businesses in the city. We didn’t have all the answers at the time, but we knew that if we provided exceptional service and built strong relationships, our business would grow. Those early years meant 80-hour work weeks and sacrificing time with family and friends to establish a customer base large enough to expand our team. While the range of services we offer has evolved over the years, our commitment to building lasting client relationships has remained unchanged.

Knowing JA’s three pillars of financial health, work readiness, and entrepreneurship, how do you think being involved in JA learning experiences in your own schooling would have made a difference in your career?

I strongly believe in teaching financial health to young people. Like many young Canadians, I didn’t fully grasp the importance of saving or how to make my money work for me. I used to think that if I could afford the payments, it was okay to make the purchase. If I had understood the benefits of saving and investing earlier, I would have saved more and taken advantage of compound interest, achieving financial freedom much sooner

What do you think has been the key to your success?

Having a plan and never giving up is key. It’s about deciding what you want, figuring out how to achieve it, and then putting in the blood, sweat, tears, and most importantly time to make it a reality.

If you could do one thing differently in your career, what would it have been and why?

I would have sought out a mentor in a similar business to gain guidance, rather than constantly learning things the hard way. While making mistakes and experiencing failure can be valuable, it’s often better to learn from someone else’s missteps and have a sounding board to talk through challenges.

What advice would you give young people starting out in business (your industry or any other)?

When starting out in business, my biggest piece of advice is to never give up. The journey will be filled with obstacles, setbacks, and moments of doubt. It’s easy to get discouraged, especially when things don’t go as planned. However, success in any industry requires perseverance and resilience.

Challenges and failures are part of the process, and each setback is an opportunity to learn and grow. Keep your vision in mind and push through those tough times. Remember, every successful businessperson has faced failure at some point. What sets them apart is their unwavering determination to keep moving forward, learn from their experiences, and adapt.

So, stay persistent, keep refining your skills, and don’t let temporary failures define your path. The most rewarding achievements come from pushing through the hardest moments.

What do you think a young person’s biggest opportunity is at this time?

A young person’s biggest opportunity right now is time. They have the luxury of time to explore, experiment, and figure out what truly excites them. With fewer obligations and more flexibility, they can afford to take risks, make mistakes, and learn from them without the pressure that often comes later in life.

This period is a chance to try different paths, build skills, and make adjustments as needed. It’s about investing time in understanding their passions, honing their craft, and developing a strong foundation for future success. The ability to spend this time learning, growing, and iterating is invaluable. By using this time wisely, young people can set themselves up for long-term success in whatever path they choose.

What do you think the biggest obstacle is for a young person today? How could they overcome this?

The biggest obstacle for a young person today is often raising the necessary capital and finding talented individuals who share their vision. Access to funding can be a major hurdle, as many young entrepreneurs may lack the track record or connections that attract investors. Additionally, building a team of talented individuals who are equally passionate about the vision can be challenging, especially when resources are limited.

To overcome these obstacles, young entrepreneurs need to start by building a strong network. Attend industry events, join entrepreneurial communities, and leverage social media to connect with potential investors, mentors, and collaborators. A well-crafted, compelling story behind their vision can also go a long way in attracting both investors and team members who believe in the mission.

What is one goal you have set for yourself that you have not yet achieved? What has prevented you from achieving it?

One goal I have set for myself that I have not yet achieved is continuing to grow the business by building and mentoring a strong team to help drive that growth. While I’ve made progress, I haven’t yet fully established a team that can independently take on key roles and responsibilities.

The main challenge has been finding the right talent—individuals who not only have the necessary skills but also share the vision and values of the business. Additionally, balancing the time between daily operations and dedicating enough time to mentor and develop the team has been difficult.

To overcome this, I am working on refining my hiring process to better identify candidates who align with the company’s mission and investing more time in training and mentorship. I believe that building this team is crucial to scaling the business and achieving long-term success.

What is your biggest passion in life, outside of work?

My biggest passion in life outside of work is spending quality time with my wife and family. We love to explore new places together, whether it’s traveling to exciting destinations or enjoying our favorite pastimes. Motorcycle riding in the mountains of Tennessee offers an exhilarating escape, while power boating on the Great Lakes and the North Channel provides a serene yet adventurous experience. Long drives on hot summer days in our convertible are also a cherished way for us to relax and enjoy each other’s company.

What three words would your family use to describe you? Are those three words the same or different that your employees would use? If different, what would your employees say?

Dedicated, Hardworking, Focused

If a young person reads this interview, what do you want them to take away from it?

If a young person reads this interview, I want them to take away the importance of hard work and perseverance. Success doesn’t come easily; it requires dedication, resilience, and a willingness to overcome challenges. By staying committed to their goals, putting in the effort, and never giving up, they can achieve anything they set their minds to. Remember, every obstacle is an opportunity to learn and grow, and with determination and persistence, the possibilities are endless.

Who has been your greatest inspiration/role model/mentor? Why? What did they teach you?

My greatest inspiration has been Bill Gates. His work with Microsoft, particularly the development of Windows, fundamentally transformed how the world works and interacts with technology. What impresses me most is how he didn’t just stop at creating groundbreaking products but also shifted his focus to philanthropy through the Bill & Melinda Gates Foundation.

Gates has taught me the importance of using one’s success and resources to make a positive impact on the world. His transition from technology to global health and education initiatives demonstrates that success can be leveraged for greater good, and it encourages me to think beyond personal achievements and consider how I can contribute to broader societal progress. His journey underscores the value of innovation, commitment to excellence, and the power of giving back.

What is your earliest memory of philanthropy? Why do you believe being philanthropic is important personally and/or in your business?

I’ve always felt that giving back is both the right thing to do and deeply rewarding. Over the years, I’ve made it a priority to support events, programs, and charities that benefit the youth in our community. Early on, shortly after starting our business 27 years ago, our initial sponsorships were directed towards the Teen Health Center in downtown Windsor.

What is it about JA’s mission that makes you choose to support its efforts?

What draws me to support Junior Achievement of Southwestern Ontario’s mission is their commitment to empowering our youth. I firmly believe that the young people of today are the leaders of tomorrow, and investing in their education and development is crucial for shaping a brighter future. Junior Achievement’s programs equip students with essential skills, knowledge, and confidence, preparing them to succeed in both their personal and professional lives. Supporting their efforts aligns with my belief that nurturing and guiding the next generation is one of the most impactful ways we can contribute to the future of our community and beyond.

From Bias to Breakthrough – My Lightbulb Moment about AI

At a recent Town Hall meeting hosted by JA Worldwide, I had a bit of a light bulb moment about Artificial Intelligence and what it could mean for future careers. 

First, let me say when it comes to openness to AI, I’m probably about middle of the road. I have many (many!) fears about how AI will impact us in the future, but I can also see its benefits in different areas. I’ve dabbled a bit with the more recent generative technologies, but certainly have a lot more to learn. 

JA Worldwide has taken a much more forward-thinking approach. They recognize that AI is here to stay and feel it’s better to get on top of its potential uses to best support our mission to inspire and prepare youth to succeed in a global economy. No matter how we may personally feel about it, AI will certainly be a big part of the future. As a youth-serving organization, we owe it to today’s students to be proactive in our understanding and sharing of resources to prepare them for what’s to come. 

Back to my lightbulb moment: At this Town Hall, we had a terrific presentation from Amanda Bickerstaff, Founder and CEO of AI for Education, which simplified much about AI and what it can and can’t do. Amanda showed us an example of bias, where an AI image generator was asked to create an image of a CEO. Predictably, the image generated was a white male in a suit in front a bar chart, in front of a boardroom of mostly white males. When the image generator was asked to create an “unconventional” CEO, it was the same white male in a more colourful outfit and more creative space. 

At first this was alarming. We still have so far to go to overcome systemic racism and gender bias that it feels overwhelming to contemplate our AI feeding these same stereotypes back to us. But as I thought further about this, recognizing that AI works based on the information given by humans, I realized the importance of the humans in the equation. We’ll need people in roles that help protect against bias in AI— and what an interesting and impactful job that would be. Jobs such as AI Ethicist or Bias Mitigation Specialist will begin to emerge alongside the more technical ones. 

For me, this realization underscored the critical role of AI education in shaping its future impact on society. If we work together, we can help our young people cultivate the critical thinking skills necessary to question and improve upon where we are today. By doing so, we can empower the next generation to become not just consumers of AI, but active participants in its development and ethical implementation. 

This also presents an exciting opportunity to diversify the field of AI. By encouraging students from all backgrounds to look into AI technology and consider careers in this field, we can help ensure that the teams developing AI systems are as diverse as the populations they serve. This diversity is crucial in combating the very biases we see reflected in current AI systems. 

While the challenges posed by AI are significant, they also present unprecedented opportunities for innovation and positive change. By preparing students for the future of AI, we can help shape a future where technology enhances human potential rather than limiting it. I believe the key lies in fostering a generation of critical thinkers who understand both the capabilities and limitations of AI, and who are committed to using this powerful tool to create a more equitable and inclusive world. 

If you’d like to learn more about AI, I highly recommend taking a look at the JA Worldwide AI Centre of Excellence,  which has fantastic resources for educators, students, and all of us.