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Junior Achievement of Southern Massachusetts

 128 Union Street, Suite 304
 New Bedford, MA 02740
[P] (508) 9976536
[F] --
Jeffrey Pelletier
 Printable Profile (Summary / Full)
EIN 04-3193575

LAST UPDATED: 04/30/2019
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 »

Our mission is to inspire and prepare young people to succeed in a global economy. We give young people the knowledge and skills they need to own their economic success, plan for their future, and make smart academic and economic choices. JA programs empower students to make a connection between what they learn in school and how it can be applied in the real world -- enhancing the relevance of their classroom learning and increasing their understanding of the value of staying in school.

Mission Statement

Our mission is to inspire and prepare young people to succeed in a global economy. We give young people the knowledge and skills they need to own their economic success, plan for their future, and make smart academic and economic choices. JA programs empower students to make a connection between what they learn in school and how it can be applied in the real world -- enhancing the relevance of their classroom learning and increasing their understanding of the value of staying in school.

FinancialsMORE »

Fiscal Year July 01, 2018 to June 30, 2019
Projected Income $267,500.00
Projected Expense $262,000.00

ProgramsMORE »

  • Junior Achievement K-12 Programs

Revenue vs. Expense ($000s)

Expense Breakdown 2018 (%)

Expense Breakdown 2017 (%)

Expense Breakdown 2016 (%)

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


Mission Statement

Our mission is to inspire and prepare young people to succeed in a global economy. We give young people the knowledge and skills they need to own their economic success, plan for their future, and make smart academic and economic choices. JA programs empower students to make a connection between what they learn in school and how it can be applied in the real world -- enhancing the relevance of their classroom learning and increasing their understanding of the value of staying in school.

Background Statement

Junior Achievement USA was founded in Springfield, Massachusetts in 1919 by Theodore Vail, president of American Telephone & Telegraph; Horace Moses, president of Strathmore Paper Co.; and Senator Murray Crane of Massachusetts. Today, Junior Achievement USA reaches more than 4.8 million students per year in 209,651 classrooms and after-school locations. JA programs are taught by volunteers in inner cities, suburbs, and rural areas throughout the United States, by 109 Area Offices in all 50 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 to form Junior Achievement of Southern Massachusetts. Junior Achievement of Southern Massachusetts is headquartered in the City of New Bedford and serves 21 cities and towns across the region including the Greater New Bedford and the Greater Fall River areas.
In partnership with the education and business communities, JA is transforming the student experience by bringing relevance, authenticity and application into everyday learning to energize students around academics and their future possibilities. Through integrated learning models focused on career readiness, entrepreneurship and financial literacy, we will empower the next generation with the knowledge, capacity and motivation to thrive.
The Junior Achievement of Southern Massachusetts 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. Junior Achievement of Southern Massachusetts Board members who actively volunteer in JA classrooms have exceeded 70% for more than a decade, exemplifying their deep commitment to our mission.
Junior Achievement of Southern Massachusetts is growing significantly across the region. Our programs have grown from serving approximately 4,000 local students each year to serving over 6,500 students annually. As always, all JA programs are 100% free for students and schools and we are now working with over 50 local schools and over 200 local volunteers each year.
In 2018, our organization received a national Peak Performance Award from Junior Achievement USA for our program growth, implementation standards and financial stability.
More and more superintendents, principals and teachers are asking for our programs in their schools because they know that our work not only enhances student engagement in the traditional areas of study such as Math and Science, but we also cover critically important topics that are sometimes left out of the standard curriculum portfolio such as career and academic planning, how to manage money, how to be a good community member, how to get a job, the importance of soft and interpersonal skills and how to start a business.
A JA program happens when a school superintendent, principal or teacher makes a request to us and we then work together to customize a program that best fits their students. Our growth is the result of the community asking us to do more, and their current requests for our programs far outpaces our current financial capacity to meet them.

Impact Statement

Top Accomplishments:

1. Sustaining our Expanded Programming: Junior Achievement of Southern Massachusetts is growing significantly across our region. Through quality programming, increased fundraising, and overall operational effectiveness we have sustained this level of expanded programming and we project to serve close to 7,000 students this school year – up from 3,998 students three years ago.
2. Further Development of our Innovative SPARK Program: The SPARK Program is a free two-year program for middle school girls focused on leadership and entrepreneurial thinking, offering a unique blend of career readiness, financial literacy, entrepreneurship, and leadership development.
3. Expansion of JA Bilingual Programming: As part of our effort to reach our local students where they are, we piloted a bilingual JA Program, utilizing a comprehensive set of Spanish curriculum materials from JA Argentina and local bilingual volunteers. After a successful two-year pilot and with innovative school partnerships in place, we are prepared to expand this effort in the coming year if we can raise the needed funds.

Top Goals:

1. Expand Regional Program Growth: Our service area consists of 21 cities and towns across Southern Massachusetts, and as our programs continue to grow dramatically, we are looking to grow our impact across our region in an equitable way.
2. Advance our Innovative Programming: We have numerous innovative efforts that are in varying stages of maturation – from our SPARK Program, to our Bilingual JA Program offerings – and we must continue to grow the capacity of our organization to advance and expand these efforts in the coming year.
3. Continue to Strengthen our Finances: As we have worked to aggressively expand our partnerships and funding base we are now looking to adopt a universal nonprofit best practice and build up a small and appropriate rainy day fund.

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. And, with your support, we are bringing this mission to life more than ever before as we have grown our programs by over 60% in recent years across the region and we are now serving over 6,000 of our local students annually.

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 new website - - 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
CEO Experience

Under Pelletier's leadership, Junior Achievement of Southern Massachusetts has grown its student education programs which now serve over 6,000 students annually across 21 cities and towns. In 2018, Junior Achievement of Southern Massachusetts was awarded Junior Achievement USA's Peak Performance award.

Previously, Pelletier worked closely with the private, public and nonprofit sectors in his role as the Business Development and Communications Officer for the New Bedford Economic Development Council where his portfolio included the city's multi-faceted efforts to develop the offshore wind industry, public policy, communications, workforce development, and land-use planning activities.

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 a local nonprofit.

He graduated from Methodist University in North Carolina with a degree in Business Administration and is also a graduate of Leadership SouthCoast.

He is an active volunteer in the community and serves as a member of the Board of Directors for Leadership SouthCoast and as a member of the Community Benefits Committee for Southcoast Health. Pelletier also serves as the Chair for the Youth Committee of the Greater New Bedford Workforce Investment Board and as a member of the Bristol Community College Civic Engagement Advisory Committee. Pelletier is a past winner of the 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
Peak Performance Award Junior Achievement USA 2018


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 215
Number of Contract Staff 2
Staff Retention Rate % 100%

Staff Demographics

Ethnicity African American/Black: 0
Asian American/Pacific Islander: 0
Caucasian: 2
Hispanic/Latino: 0
Native American/American Indian: 0
Other: 0
Other (if specified): 0
Gender Female: 1
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

Commercial General Insurance
Commercial General Liability
Umbrella or Excess Insurance

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. Michael Patacao
Board Chair Company Affiliation Bristol County Savings Bank
Board Chair Term July 2018 - June 2020
Board Co-Chair --
Board Co-Chair Company Affiliation --
Board Co-Chair Term -

Board Members

Name Company Affiliations Status
Mr. Nathan Araujo R4L Management Voting
Mr. Timothy Burke Fall River Housing Authority Voting
Mr. Michael Correia BankFive Voting
Ms. Jennifer Delgado New Bedford Credit Union Voting
Mr. Robert Fregault Carl's Collision Voting
Mr. Robert Gauthier retired Voting
Mr. John Lapointe Lapointe Insurance Agency Voting
Mr. Willitts Mendonca Webster Bank Voting
Mr. Vernon Miles Residential Mortgage Services Voting
Ms. Erin Nogueira Balkun Title & Closing Inc. 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
Ms. Kherri-Lynn Rego St. Anne's Hospital Voting
Mr. Andrew Rodrigues Webster Bank Voting
Mr. Michael Silva Coastal Financial Voting
Ms. Maureen Sullivan retired Voting
Mr. Wayne Swenson BayCoast Bank Voting
Mr. Patrick Walsh Balkun Title & Closing Inc. 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: 0
Caucasian: 15
Hispanic/Latino: 0
Native American/American Indian: 0
Other: 0
Other (if specified): Portuguese - 4
Gender Female: 5
Male: 15
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 2018 (%)

Expense Breakdown 2017 (%)

Expense Breakdown 2016 (%)

Prior Three Years Total Revenue and Expense Totals

Fiscal Year 2018 2017 2016
Total Revenue $303,311 $299,431 $256,538
Total Expenses $267,615 $288,708 $230,578

Prior Three Years Revenue Sources

Fiscal Year 2018 2017 2016
Foundation and
Corporation Contributions
$233,705 $202,410 $101,247
Government Contributions $3,207 $6,995 $5,000
    Federal -- -- --
    State -- -- --
    Local -- -- --
    Unspecified $3,207 $6,995 $5,000
Individual Contributions $6,870 $5,241 $4,486
Indirect Public Support -- -- --
Earned Revenue -- -- --
Investment Income, Net of Losses $48 $33 $28
Membership Dues -- -- --
Special Events $37,474 $52,370 $125,203
Revenue In-Kind $22,007 $32,382 $20,574
Other -- -- --

Prior Three Years Expense Allocations

Fiscal Year 2018 2017 2016
Program Expense $232,720 $250,091 $175,686
Administration Expense $16,400 $15,346 $15,072
Fundraising Expense $18,495 $23,271 $39,820
Payments to Affiliates -- -- --
Total Revenue/Total Expenses 1.13 1.04 1.11
Program Expense/Total Expenses 87% 87% 76%
Fundraising Expense/Contributed Revenue 7% 9% 17%

Prior Three Years Assets and Liabilities

Fiscal Year 2018 2017 2016
Total Assets $119,053 $91,050 $82,232
Current Assets $118,164 $89,934 $79,790
Long-Term Liabilities -- -- $0
Current Liabilities $4,376 $12,069 $13,974
Total Net Assets $114,677 $78,981 $68,258

Prior Three Years Top Three Funding Sources

Fiscal Year 2018 2017 2016
1st (Source and Amount) -- --
-- --
-- --
2nd (Source and Amount) -- --
-- --
-- --
3rd (Source and Amount) -- --
-- --
-- --

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 2018 2017 2016
Current Ratio: Current Assets/Current Liabilities 27.00 7.45 5.71

Long Term Solvency

Fiscal Year 2018 2017 2016
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.


The Impact tab is a section on the Giving Common added in October 2013; as such the majority of nonprofits have not yet had the chance to complete this voluntary section. The purpose of the Impact section is to ask five deceptively simple questions that require reflection and promote communication about what really matters – results. The goal is to encourage strategic thinking about how a nonprofit will achieve its goals. The following Impact questions are being completed by nonprofits slowly, thoughtfully and at the right time for their respective organizations to ensure the most accurate information possible.

1. What is your organization aiming to accomplish?


2. What are your strategies for making this happen?


3. What are your organization’s capabilities for doing this?


4. How will your organization know if you are making progress?


5. What have and haven’t you accomplished so far?