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Junior Achievement of Southern Massachusetts

 128 Union Street, Suite 304
 New Bedford, MA 02740
[P] (508) 2640586
[F] (508) 997-1399
[email protected]
Jeffrey Pelletier
 Printable Profile (Summary / Full)
EIN 04-3193575

LAST UPDATED: 05/16/2017
Organization DBA Junior Achievement of Southern Massachusetts
Junior Achievement of Southern MA
JA of Southern MA
Former Names --
Organization received a competitive grant from the Boston Foundation in the past five years No


Mission StatementMORE »

Junior Achievement is the world’s largest and longest-operating charity exclusively dedicated to teaching work-readiness, financial literacy, and entrepreneurship to young people. We have an extensive network and a rich history of collaborating with local businesses and educators to affect positive change in our community. From learning to balance a checkbook to understanding how to be an effective team member, from interviewing to critical-thinking skills, JA remains focused – as it has for 96 years – on encouraging paths to self-sufficiency. In short, Junior Achievement empowers young people to own their economic success.

Mission Statement

Junior Achievement is the world’s largest and longest-operating charity exclusively dedicated to teaching work-readiness, financial literacy, and entrepreneurship to young people. We have an extensive network and a rich history of collaborating with local businesses and educators to affect positive change in our community. From learning to balance a checkbook to understanding how to be an effective team member, from interviewing to critical-thinking skills, JA remains focused – as it has for 96 years – on encouraging paths to self-sufficiency. In short, Junior Achievement empowers young people to own their economic success.

FinancialsMORE »

Fiscal Year July 01, 2016 to June 30, 2017
Projected Income $235,000.00
Projected Expense $230,000.00

ProgramsMORE »

  • Junior Achievement K-12 Programs

Revenue vs. Expense ($000s)

Expense Breakdown 2016 (%)

Expense Breakdown 2015 (%)

Expense Breakdown 2014 (%)

For more details regarding the organization's financial information, select the financial tab and review available comments.


Mission Statement

Junior Achievement is the world’s largest and longest-operating charity exclusively dedicated to teaching work-readiness, financial literacy, and entrepreneurship to young people. We have an extensive network and a rich history of collaborating with local businesses and educators to affect positive change in our community. From learning to balance a checkbook to understanding how to be an effective team member, from interviewing to critical-thinking skills, JA remains focused – as it has for 96 years – on encouraging paths to self-sufficiency. In short, Junior Achievement empowers young people to own their economic success.

Background Statement

Junior Achievement (JA) is a 501c3 organization that inspires and prepares young people to succeed in a global economy. Founded in 1919, JA now has 122 national affiliates and reaches over four million students throughout the United States. 

Locally, JA chapters in Massachusetts were incorporated in New Bedford in 1948, Fall River in 1976 and Attleboro in 1977. In 1993, JA chapters in Greater Fall River and Greater New Bedford merged and were joined by the Attleboro and Taunton areas by 1999. Today, Junior Achievement of Southern Massachusetts (JASM) is one of 117 local area chapters, serving students in public, private and parochial classrooms throughout 21 towns from North Attleboro to Wareham.

For its first four decades, Junior Achievement was an after-school program for high school students built around the concept of young people developing and running their own companies. As times have changed, so has Junior Achievement. Today Junior Achievement's programs are primarily administered within the classroom by a volunteer from the business community who leads the students through a series of discussions and activities, sharing his or her professional and life experiences along the way.

The JASM staff consists of a President, Development and Operations Manager, and a Program Director who are overseen by an active Board of Directors. The Board, made up of committed volunteers hailing mostly from the business community but also including educators and retirees, provides governance and assists the staff with securing volunteer and funding resources.  

JASM Board members who actively volunteer in JA classrooms has exceeded 70% for more than a decade, exemplifying their deep commitment to our mission. 

Impact Statement


1. We saw unparalleled program growth during the 2016-17 academic year. We have provided over 5,000 students with programming which is a 25% increase from the 4,000 students reached last year.
2. 23 young women completed our first ever week-long Camp SPARK residential program at Bridgewater State University on July 15th. We provided the girls with a combination of career exploration, entrepreneurship, and leadership development skills, while encouraging participants to identify and address important issues facing the SouthCoast.
3. We continued our focus in New Bedford schools with substantial engagements at the Alfred J. Gomes Elementary School. This spring our volunteers provided JA programs to every single classroom in the school, including offering our “JA Ourselves” Program to ESOL students in Spanish.
4. Hosted the 4th Annual TITAN Business Challenge where we brought 120 students from 13 high schools together with 30 local business professionals at UMass Dartmouth to compete for scholarship dollars in a day-long virtual business competition.
5. We have continued our impact in New Bedford Schools by partnering with Keith Middle School to provide the entire 8th grade with programming to aid in their transition to high school. We introduced a career day to the 9th grade students at New Bedford High School to expose them to various career opportunities. 
1. Scale up our internal staff capacity- we are currently serving 5,000 students in 21 towns/ cities with 2.5 full time employees.
2. Continue growing and meeting the needs of the community by growing our volunteer base.
3. Transition from serving only certain classrooms in schools to serving schools comprehensively so that all students benefit from JA Programming.
4. Continue creating innovative programming to fully engage students in our local communities.
5. Improve our community recognition and brand awareness through community outreach, our new website, social media and volunteerism. 

Needs Statement

Finances: It costs nearly $800 to bring JA to a classroom due to the cost of program materials and the pre and post-preparation work needed to deliver each program. Our funding for programming needs to grow dramatically to sustain and meet skyrocketing requests for programming.

Volunteers: Junior Achievement volunteers are an integral part of the JA model. We have been actively working to strengthen our volunteer base, particularly in areas where the program requests currently outnumber our current volunteers.
Educators: To achieve our goal of reaching additional students with the JA experience, we must expand to more schools and classrooms. We are making efforts to serve schools in a strategic manner which involves transitioning from serving a hand full of classrooms in a school to serving every classroom in each school.
Strategic Partnerships: JA’s programs have a direct impact on the stability and success of our future employers, workers, and consumers – and thus the economy as a whole. In order to keep making such a substantial impact on our students, we need to continue our efforts and community outreach to allow each community that we serve to know who we are, know our brand, and to have all of the students within the community involved in our events and programming.

CEO Statement

 "Inspire and prepare young people to succeed in a global economy."

An important mission carried out by passionate people. We are excited by the changes taking place in students, schools, families and our community through the work of Junior Achievement of Southern Massachusetts. We bring students, educators, volunteers and the community together so that we can help our young people make intelligent financial and career decisions that will help them own their economic success.

Focusing on financial literacy, work readiness and entrepreneurship skills, our students learn through hands-on, participatory educational activities. They learn the importance of staying in school, how to take personal financial responsibility, the meaning of their roles as responsible consumers, and skills for the world of work so they can take advantage of economic opportunities and make smart financial choices to achieve their goals.

JA brings its courses into schools across all demographics – into public, private and parochial schools, into urban, rural and suburban settings, and to students both academically gifted and challenged. 

By encouraging them to think about their futures, JA plays a key role in creating informed graduates that understand the value of getting a job and keeping it. And, by helping students develop competitive skills and confidence, JA bolsters the local economy, thereby contributing to economic growth. In other words, by supporting our work and the kids we serve, *you* contribute to economic growth.

Thank you for taking an interest in JA of Southern Massachusetts! Please explore our site and contact us to learn how you can join us to make a difference in our community.

Board Chair Statement

At no time in our nation’s history has the need for financial literacy and work readiness skills been greater. With your help, Junior Achievement is exposing nearly thousands of students in Southern Massachusetts to the fundamentals of money management, career exploration, and entrepreneurship. A productive workforce begins with the education of our youth, and we all play a critical role towards this goal.

In our changing economic landscape, our programs encourage students to explore the educational and career opportunities that await them. Our JA classroom programs help students see the connection between what they’re learning in school and how it will affect their future, providing them with valuable teamwork, problem solving and critical thinking skills and getting them excited about their future. With your support, we are preparing students to be productive and financially responsible adults.

We continue to provide unique learning opportunities to ensure that our young people succeed in this rapidly changing world. We extend a special thanks to our partners and donors – we appreciate all that you do to further JA’s mission. If you are not yet a supporter of JA, we invite you to become part of this amazing experience.

Geographic Area Served


Junior Achievement of Southern Massachusetts reaches students in 5 school districts including the following 21 cities and towns:  Acushnet, Attleboro and N. Attleboro, Berkley, Dartmouth, Dighton, Fairhaven, Fall River, Freetown, Mattapoisett, Marion, New Bedford, Raynham, Rehoboth, Rochester, Seekonk, Somerset, Swansea, Taunton, Wareham and Westport.

Organization Categories

  1. Youth Development - Youth Development Programs
  2. Education - Educational Services
  3. Youth Development - Youth Development-Business

Independent research has been conducted on this organization's theory of change or on the effectiveness of this organization's program(s)



Junior Achievement K-12 Programs

Delivered by local volunteers, Junior Achievement classroom programs begin at the elementary school level, teaching children how they can impact the world around them as individuals, workers and consumers through age-appropriate curricula. The programs continue through the middle and high school grades, preparing students for future economic and workforce issues to help them become better employees, employers, consumers and citizens.

JA programs are designed to enrich the classroom experience. All JA programs utilize high-quality text materials, hands-on activities, classroom discussions and volunteer participation to help students build the skills they will need to excel in school and in whatever career they choose to pursue after graduation. Each program is matched to grade-specific social studies curriculum goals. Program activities build mathematics, reading, communication and problem-solving skills as they enhance student understanding of business and economic concepts. Furthermore, all programs administered by JA of Southern MA have strong correlations to the newly adopted Massachusetts Core Curriculum.

Budget  $212,400.00
Category  Youth Development, General/Other Youth Development, General/Other
Population Served Children and Youth (0 - 19 years)
Program Short-Term Success 

Research suggests that JA programs impact youth attitudes that affect student behaviors which, in turn, drive academic achievement. As Junior Achievement of Southern Massachusetts expands to reach more students within our service area, we expect an increased number of students who experience a shift in attitudes that have been linked with graduation rates at the end of their 5-7 week session. Specifically, 90% or more of JASM alumni will see the direct relevance of what they are learning in the classroom to their future; understand the value of having a high school diploma at a minimum; and develop the internal drive and belief that they can be successful. They will also have a greater understanding of skills that are needed to succeed in the workforce and how to manage their personal finances while becoming informed consumers. These outcomes can be measured through student and teacher surveys, as well as continued national research by JA USA.

Program Long-Term Success  JA's goal is to provide students with the tools they need to create personal financial and economic success. Faced with staggeringly low graduation rates in two of JASM’s largest service areas – New Bedford (56%) and Fall River (67%), compared to 83% statewide – the need for a comprehensive approach to this issue is vital. JA programs bridge the gap between what students learn in the classroom and how it will affect them in the “real world,” illustrating the importance of staying in school. By working with local schools to provide repeated and consistent JA experiences to students, we expect a rise in graduation rates by 10% or more in the next ten years. Additionally, we expect to see an increase in today’s youth engaging in positive financial habits. Currently, as many as 1 in 3 adults do not save a portion of their household income for retirement and 1 in 4 do not pay all of their bills on time (according to the 2011 Consumer Financial Literacy Suvey by Harris Interactive).
Program Success Monitored By 

To measure program quality, JA has conducted more than 60 evaluation studies nationally since 2000 to measure the effectiveness and relevance of our efforts, with 96% of JA’s programs having been evaluated within the past four years.

However, JASM’s quality policies go beyond the required standards, placing program quality as one of the top goals of the organization. From outset to completion, these are the steps taken by JASM for every program/classroom to ensure that we are administering the highest quality programs:

Prior to beginning their first course, new volunteers are required to complete a training session that is conducted by a JASM staff member. Conduct standards and other legal topics are covered, though the bulk of the two-hour session prepares volunteers for the classroom so the volunteer can be as effective as possible.

Once courses are in session, they are closely monitored by the JA staff. A key method of quality assurance is the “check-in call,” which is made during the 3rd week of the visits, allowing JA staff to perform any necessary trouble-shooting to assure the best possible outcome for both the students and the volunteers.

On the day of the last class, volunteers and teachers are sent JASM’s detailed on-line survey, asking for additional feedback so that we can improve upon the course.  The on-line assessment tool provides a certain degree of third-party anonymity to prevent bias.  Results of the 2010-2011 academic year indicate ratings of 90% as good or excellent in all ratings categories. 

In the summer, JASM acts on its evaluation data. When the data clearly reflects a sub-standard volunteer or teacher, the teacher’s next JA request is not granted or the volunteer is simply not asked to enter another classroom on JA’s behalf. JASM also enlists the Volunteers and Programs Team, made up of Board members, to improve processes before the start of the succeeding school year.

Examples of Program Success 

Junior Achievement's Alumni Retrospective Survey found that JA graduates reported more confidence in succeeding with work-readiness objectives – such as acing a job interview and demonstrating a competitive edge in the job market – as well as personal money management and entrepreneurship behaviors and attitudes.

When asked if being a JA student positively affected their future, 92 percent of those surveyed responded with a resounding “Yes!” Similarly, 9 out of 10 alumni reported they are confident in their ability to manage their personal finances effectively, compared to 71 percent of those who did not have the benefit of a JA experience. Furthermore, 96 percent of alumni reported that JA made them confident about working effectively in a team environment, compared to 82 percent of non-JA respondents. The survey also showed 76 percent of JA alumni reported confidence in starting their own business, as opposed to 41 percent of the comparison group.

CEO/Executive Director/Board Comments



CEO/Executive Director Mr. Jeffrey Pelletier
CEO Term Start Sept 2016
CEO Email [email protected]
CEO Experience

Jeffrey Pelletier serves as the President of Junior Achievement of Southern Massachusetts. 
Previously, Pelletier supported the strategic economic development agenda of the City of New Bedford, Massachusetts as the Business Development and Communications Officer for the New Bedford Economic Development Council. Pelletier also served as the Program Director for Executives Without Borders, a non-profit organization dedicated to engaging the business community in solving the world's greatest humanitarian challenges. In Haiti, he directed a nationwide jobs and recycling program that collected over 35 million plastic bottles and generated over $250,000 in incomes for communities in need. In Honduras, he directed private sector engagement projects with a Fortune 500 company to increase the sustainability of the life-saving medical work of the non-profit organization Central American Medical Outreach.

Pelletier has extensive public speaking experience and has presented at numerous conferences and events including the World's Greatest Problem Solvers Conference and the keynote address for the Ron Burton Training Village Boston Marathon Kickoff Dinner. He graduated from Methodist University in North Carolina with a degree in Business Administration and is also a graduate of Bishop Stang High School and the Leadership SouthCoastProgram.

He volunteers as a member of the Board of Directors for Leadership SouthCoast, the New Bedford Education Foundation and Missions for Humanity. He is a member of the New Bedford Economic Development Council and volunteers for the Ron Burton Training Village each summer. Pelletier was a nominee for the 2014 and 2015 SouthCoast Emerging Leader Award.

Co-CEO --
Co-CEO Term Start --
Co-CEO Email --
Co-CEO Experience --

Former CEOs and Terms

Name Start End
Mr. Joseph Parisi July 1995 Mar 2011
Ms. Caroline Paradis 2016 Sept

Senior Staff

Name Title Experience/Biography
-- -- --


Award Awarding Organization Year
-- -- --


Affiliation Year
-- --
Member of state association of nonprofits? No
Name of state association --

External Assessments and Accreditations

External Assessment or Accreditation Year
-- --


Junior Achievement of Southern Massachusetts is pleased to collaborate with other community organizations in an effort to provide more educational opportunities for our young people. We have actively partnered with organizations such as UMass Dartmouth, the STEM Networks of Southeastern MA and New Bedford, as well as the Boys & Girls Club of Wareham to provide additional learning opportunities to students. We have also worked with the Greater New Bedford Connecting Activities Partnership to bring the JA Job Shadow program to sophomores at New Bedford and BMC Durfee high schools.

CEO/Executive Director/Board Comments


Foundation Comments


Staff Information

Number of Full Time Staff 2
Number of Part Time Staff 1
Number of Volunteers 175
Number of Contract Staff 0
Staff Retention Rate % 66%

Staff Demographics

Ethnicity African American/Black: 0
Asian American/Pacific Islander: 0
Caucasian: 3
Hispanic/Latino: 0
Native American/American Indian: 0
Other: 0
Other (if specified): 0
Gender Female: 2
Male: 1
Not Specified 0

Plans & Policies

Organization has Fundraising Plan? Under Development
Organization has Strategic Plan? Under Development
Years Strategic Plan Considers 2
Management Succession Plan No
Business Continuity of Operations Plan No
Organization Policies And Procedures Yes
Nondiscrimination Policy Yes
Whistle Blower Policy Yes
Document Destruction Policy Yes
Directors and Officers Insurance Policy Yes
State Charitable Solicitations Permit Exempt
State Registration Exempt

Risk Management Provisions


Reporting and Evaluations

Management Reports to Board? Yes
CEO Formal Evaluation and Frequency Yes Annually
Senior Management Formal Evaluation and Frequency N/A N/A
Non Management Formal Evaluation and Frequency Yes Annually


Board Chair Mr. Nathan Araujo
Board Chair Company Affiliation Advance Career Services
Board Chair Term Sept 2016 - Aug 2018
Board Co-Chair --
Board Co-Chair Company Affiliation --
Board Co-Chair Term -

Board Members

Name Company Affiliations Status
Mr. Michael Abdur-Rahman Coastal Financial Voting
Mr. Nathan Araujo R4L Management Voting
Mr. Timothy Burke Fall River Housing Authority Voting
Mr. Robert Fregault Carl's Collision Voting
Mr. Kim Frink Invest Financial Corp. Voting
Mr. Robert Gauthier retired Voting
Ms. Susan Marques Citizens Bank Voting
Mr. Willitts Mendonca Webster Bank Voting
Mr. Vernon Miles Residential Mortgage Services Voting
Mr. Gregory O'Donnell BayCoast Bank Voting
Mr. Nicholas Palowski CliftonLarsonAllen Voting
Mr. Michael Patacao Bristol County Savings Bank Voting
Ms. Christine Perry Santander Bank Voting
Mr. Andrew Rodrigues Webster Bank Voting
Ms. Patty Sands Acushnet Company Voting
Ms. Maureen Sullivan retired Voting
Mr. Wayne Swenson BayCoast Bank Voting
Ms. Amie Vieira BayCoast Bank Voting
Mr. Timothy Wenger Partridge Snow & Hahn, LLP Voting
Ms. Amy Winn-Blier SouthCoast Health Voting

Constituent Board Members

Name Company Affiliations Status
-- -- --

Youth Board Members

Name Company Affiliations Status
-- -- --

Advisory Board Members

Name Company Affiliations Status
-- -- --

Board Demographics

Ethnicity African American/Black: 1
Asian American/Pacific Islander: 1
Caucasian: 14
Hispanic/Latino: 0
Native American/American Indian: 0
Other: 0
Other (if specified): Portuguese - 4
Gender Female: 6
Male: 14
Not Specified 0

Board Information

Board Term Lengths 3
Board Term Limits 0
Board Meeting Attendance % --
Written Board Selection Criteria Yes
Written Conflict Of Interest Policy Yes
Percentage of Monetary Contributions 100%
Percentage of In-Kind Contributions 65%
Constituency Includes Client Representation No

Standing Committees


CEO/Executive Director/Board Comments


Foundation Comments



Revenue vs. Expense ($000s)

Expense Breakdown 2016 (%)

Expense Breakdown 2015 (%)

Expense Breakdown 2014 (%)

Prior Three Years Total Revenue and Expense Totals

Fiscal Year 2016 2015 2014
Total Revenue $256,538 $218,414 $235,948
Total Expenses $230,578 $218,405 $203,496

Prior Three Years Revenue Sources

Fiscal Year 2016 2015 2014
Foundation and
Corporation Contributions
$101,247 $86,322 $102,270
Government Contributions $5,000 $0 $0
    Federal -- -- --
    State -- -- --
    Local -- -- --
    Unspecified $5,000 -- --
Individual Contributions $4,486 $6,168 $8,724
Indirect Public Support -- -- --
Earned Revenue -- -- --
Investment Income, Net of Losses $28 $28 $18
Membership Dues -- -- --
Special Events $125,203 $107,238 $96,800
Revenue In-Kind $20,574 $18,658 $28,136
Other -- -- --

Prior Three Years Expense Allocations

Fiscal Year 2016 2015 2014
Program Expense $175,686 $169,136 $154,396
Administration Expense $15,072 $14,527 $14,151
Fundraising Expense $39,820 $34,742 $34,949
Payments to Affiliates -- -- --
Total Revenue/Total Expenses 1.11 1.00 1.16
Program Expense/Total Expenses 76% 77% 76%
Fundraising Expense/Contributed Revenue 17% 17% 17%

Prior Three Years Assets and Liabilities

Fiscal Year 2016 2015 2014
Total Assets $82,232 $61,058 $65,653
Current Assets $79,790 $57,691 $61,362
Long-Term Liabilities $0 $0 $0
Current Liabilities $13,974 $18,760 $23,364
Total Net Assets $68,258 $42,298 $42,289

Prior Three Years Top Three Funding Sources

Fiscal Year 2016 2015 2014
1st (Source and Amount) -- --
-- --
Horace A. Moses $20,000.00
2nd (Source and Amount) -- --
-- --
Rodgers Family Foundation $15,000.00
3rd (Source and Amount) -- --
-- --
Island Foundation $15,000.00

Financial Planning

Endowment Value --
Spending Policy N/A
Percentage(If selected) --
Credit Line Yes
Reserve Fund No
How many months does reserve cover? --

Capital Campaign

Are you currently in a Capital Campaign? No
Capital Campaign Purpose --
Campaign Goal --
Capital Campaign Dates -
Capital Campaign Raised-to-Date Amount --
Capital Campaign Anticipated in Next 5 Years? --

Short Term Solvency

Fiscal Year 2016 2015 2014
Current Ratio: Current Assets/Current Liabilities 5.71 3.08 2.63

Long Term Solvency

Fiscal Year 2016 2015 2014
Long-term Liabilities/Total Assets 0% 0% 0%

CEO/Executive Director/Board Comments


Foundation Comments

Financial summary data in the charts and graphs above are per the organization's audited financials.


Other Documents

No Other Documents currently available.


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