Decker & Associates

A Social Impact Organization

Since 1980, Decker & Associates (D&A) has been a leader in the field of personal finance education. Companies retained Decker & Associates to work with their US and international employees and families to help them analyze compensation, select benefits, manage 401(k)s, and create a financial, investment and estate plans for financial independence. Through D&A workshops and counseling, tens of thousands of employees received objective financial advice, created personal plans for becoming financially independent.

D&A learned that it required both quality information and challenging activities, coupled with a plan to motivate families to take action to achieve their goals.

In 2004, the Decker’s applied their knowledge and understanding of personal finance to create non-profit organizations for socio-economic change.

About the Publishers

Leaders in the financial planning and education industry


Lorraine Ross Decker


Kenneth Lee Decker


Since 1980, major employers, school districts, and government organizations have trusted the Deckers to provide objective personal financial education, tax planning, investment strategies, benefits selection, estate planning workshops, and counseling to thousands worldwide.
The Deckers created the non-profit organization Financial Mentors of America in order to help poor families and students of Title I schools. Just as in corporate America, financial education and planning helped thousands of families become financially stable and achieve their goals. In 2006, the Deckers developed a summer course for high school students, the Game of Real Life. Since then 1,200 students have attended this 160-hour program with notable outcomes. Longitudinal research of the first 358 Game graduates, revealed that 100% completed high school, 98% entered college and 91.7% graduated from college.

Beginning in 2012, at the requests of numerous educators, parents and students, the Deckers created a high school course, Real Life Financial Mathematics (RLFM).

RLFM is a blended, online course. It provides professional level real-life financial, tax, investment, college planning and motivational information in the classroom. Using best classroom practices, it integrates 6-E methodology, with project-based learning and allows the instructor to actively participate in the students’ learning process. RLFM, a CTE course, provides Texas school districts with additional funding and students with a real-life math option to enable them to plan their futures.