Wealth Management WVEIS 1502

High School of Business (HSB) is a purchased curriculum and adheres to a specified instructional course outline provided by MBA Research and Curriculum Center; therefore, this course can only be taught by educators who have been trained by the HSB staff.

This area of study provides students an understanding and skills in such areas as personal finance, types of investment, the stock market, and stock valuation. This is a project-based financial literacy and investment course. Students acquire an understanding and appreciation of the need for personal financial management and investing. To encourage immediate implementation of financial literacy and investment skills, this course is an on-going investment project for course delivery and reinforcement. The course content is sequenced for students to develop a diversified, balanced investment portfolio based both on their interest in products and companies and on fundamental analysis. Throughout the course, students are presented problem-solving situations for which they must apply academic and critical-thinking skills.Students will utilize problem-solving techniques and participate in hands-on activities to develop an understanding of course concepts. Teachers should provide each student with real world learning opportunities and instruction related to selection, development, and maintenance of individual business and marketing education programs.Students are encouraged to become active members of the student organizations, DECA or FBLA, national student organizations for those enrolled in marketing or business education. DECA and FBLA are integral components of the program and provide curricular opportunities that enhance student achievement. Teachers should utilize relevant DECA or FBLA activities to support experiential learning. The West Virginia Standards for 21st Century Learning include the following components: 21st Century Content Standards and 21st Century Learning Skills and Technology Tools. All West Virginia teachers are responsible for classroom instruction that integrates learning skills, technology tools, and content standards and objectives.

Grades 9-12

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Wealth Management

Standard: 1 / Business Law
HSB.S.WMGT.1 / Students willunderstand regulation of the securities and investments industry to adhere to government regulations.
Objectives / Students will
HSB.O.WMGT.1.1 / recognize legal considerations in buying and selling securities.
HSB.O.WMGT.1.2 / determine ethical considerations in buying and selling securities.
Performance Descriptors (HSB.PD.WMGT.1)
Above Mastery / Mastery / Partial Mastery
The student demonstrates exceptional and exemplary performance with distinctive and sophisticated application of knowledge and skills that exceed the standard inbusiness law. The student assesses legal considerations in buying and selling securities; and categorizes ethical considerations in buying and selling securities. The student can independently solve problems and is self-directed. / The student demonstrates competent and proficient performance and shows a thorough and effective application of knowledge and skills that meet the standard inbusiness law. The student recognizes legal considerations in buying and selling securities; and determines ethical considerations in buying and selling securities. Application of knowledge and skills is thorough and effective and the student can work independently. / The student demonstrates basic butinconsistent performance offundamental knowledge and skills characterized by errors and/oromissions in business law. The student discusses legal considerations in buying and selling securities; and explains ethical considerations in buying and selling securities. Performance needs furtherdevelopment and supervision.
Standard: 2 / Financial Analysis
HSB.S.WMGT.2 / Students will:
  • understand the fundamental principles of money needed to make financial exchanges.
  • analyze financial needs and goals to determine financial requirements.
  • manage personal finances to achieve financial goals.
  • use investment strategies to ensure financial wellbeing.
  • identify potential business threats and opportunities to protect a business’s financial wellbeing.
  • utilize sources of securities information to make informed financial decisions.
  • acquire fundamental knowledge of investment analysis and selection to make prudent investmentdecisions.
  • select investments to generate revenue for clients.

Objectives / Students will
HSB.O.WMGT.2.1 / choose forms of financial exchange (cash, credit, debit, electronic funds transfer, etc.).
HSB.O.WMGT.2.2 / contrast sources of income (wages/salaries, interest, rent, dividends, transfer payments, etc.).
HSB.O.WMGT.2.3 / examine the purposes and importance of credit.
HSB.O.WMGT.2.4 / determine the need to save and invest.
HSB.O.WMGT.2.5 / produce financial goals.
HSB.O.WMGT.2.6 / develop a personal budget.
HSB.O.WMGT.2.7 / distinguish the nature of tax liabilities.
HSB.O.WMGT.2.8 / examine a pay stub.
HSB.O.WMGT.2.9 / maintain financial records.
HSB.O.WMGT.2.10 / examine a bank statement.
HSB.O.WMGT.2.11 / reconcile a bank statement.
HSB.O.WMGT.2.12 / demonstrate the wise use of credit.
HSB.O.WMGT.2.13 / protect against identity theft.
HSB.O.WMGT.2.14 / differentiate types of investments.
HSB.O.WMGT.2.15 / point out the concept of insurance.
HSB.O.WMGT.2.16 / research sources of securities information.
HSB.O.WMGT.2.17 / examine securities tables.
HSB.O.WMGT.2.18 / analyze securities tables.
HSB.O.WMGT.2.19 / determine factors to consider when selecting investments.
HSB.O.WMGT.2.20 / examine information that can obtained from financial statements.
HSB.O.WMGT.2.21 / report information that can be obtained from annual reports.
HSB.O.WMGT.2.22 / assess fundamental analysis used in making investment decisions.
HSB.O.WMGT.2.23 / choose strategies for selecting investments.
HSB.O.WMGT.2.24 / outline financial ratios significant to investors.
HSB.O.WMGT.2.25 / assess securities’ fundamentals.
HSB.O.WMGT.2.26 / choose investments based on fundamental analysis.
Performance Descriptors (HSB.PD.WMGT.2)
Above Mastery / Mastery / Partial Mastery
The student demonstrates exceptional and exemplary performance with distinctive and sophisticated application of knowledge and skills that exceed the standard in financial analysis. The student chooses forms of financial exchange (cash, credit, debit, electronic funds transfer, etc.); contrasts sources of income (wages/salaries, interest, rent, dividends, transfer payments, etc.); deduces the purposes and importance of credit; expresses the need to save and invest; createsfinancial goals; createsa personal budget; interpretsthe nature of tax liabilities; critiquesa pay stub; maintains financial records; evaluatesa bank statement; reconciles a bank statement; justifies the wise use of credit; protects against identity theft; categorizestypes of investments; communicatesthe concept of insurance; producessources of securities information; evaluates securities tables; judgessecurities tables; choosesfactors to consider when selecting investments; evaluates information that can be obtained from financial statements; ratesinformation that can be obtained from annual reports; evaluates fundamental analysis used in making investment decisions; chooses strategies for selecting investments; generatesfinancial ratios significant to investors; assesses securities’ fundamentals; and chooses investments based on fundamental analysis. The student can independently solve problems and is self-directed. / The student demonstrates competent and proficient performance and shows a thorough and effective application of knowledge and skills that meet the standard in financial analysis. The student chooses forms of financial exchange (cash, credit, debit, electronic funds transfer, etc.); contrasts sources of income (wages/salaries, interest, rent, dividends, transfer payments, etc.); examines the purposes and importance of credit; determines the need to save and invest; produces financial goals; develops a personal budget; distinguishes the nature of tax liabilities; examines a pay stub; maintains financial records; examines a bank statement; reconciles a bank statement; demonstrates the wise use of credit; protects against identity theft; differentiates types of investments; points out the concept of insurance; researches sources of securities information; examines securities tables; analyzes securities tables; determines factors to consider when selecting investments; examines information that can be obtained from financial statements; reports information that can be obtained from annual reports; assesses fundamental analysis used in making investment decisions; chooses strategies for selecting investments; outlines financial ratios significant to investors; assesses securities’ fundamentals; and chooses investments based on fundamental analysis. Application of knowledge and skills is thorough and effective and the student can work independently. / The student demonstrates basic but inconsistent performance of fundamental knowledge and skills characterized by errors and/or omissions in financial analysis.The student describesforms of financial exchange (cash, credit, debit, electronic funds transfer, etc.); discusses sources of income (wages/salaries, interest, rent, dividends, transfer payments, etc.); explains the purposes and importance of credit; explains the need to save and invest; writes financial goals; makes sense of a personal budget; explains the nature of tax liabilities; reads a pay stub; locates financial records; reads a bank statement; reviews a bank statement; explains the wise use of credit; summarizes identity theft; identifies types of investments; explains the concept of insurance; statessources of securities information; reads securities tables; interprets securities tables; describes factors to consider when selecting investments; identifies information that can be obtained from financial statements; reports information that can be obtained from annual reports; explains fundamental analysis used in making investment decisions; defines strategies for selecting investments; reviews financial ratios significant to investors; makes sense of securities’ fundamentals; and classifies investments based on fundamental analysis.Performance needs further development and supervision.
Standard: 3 / Professional Development
HSB.S.WMGT.3 / Students will:
  • explore careers in finance to enhance potential for career success.
  • acquire knowledge of the securities and investments industry to understand the environment in which its services are offered.

Objectives / Students will
HSB.O.WMGT.3.1 / research employment opportunities in financial services.
HSB.O.WMGT.3.2 / analyze considerations in selecting a securities sales agent.
HSB.O.WMGT.3.3 / distinguish how securities are traded.
HSB.O.WMGT.3.4 / compare causes of stock price fluctuations.
HSB.O.WMGT.3.5 / recognize the nature of market timing.
Performance Descriptors (HSB.PD.WMGT.3)
Above Mastery / Mastery / Partial Mastery
The student demonstrates exceptional and exemplary performance with distinctive and sophisticated application of knowledge and skills that exceed the standard in professional development. The student appraises employment opportunities in financial services; justifies considerations in selecting a securities sales agent; evaluates how securities are traded; compares causes of stock price fluctuations; and predicts the nature of market timing. The student can independently solve problems and is self-directed. / The student demonstrates competent and proficient performance and shows a thorough and effective application of knowledge and skills that meet the standard in professional development. The student researches employment opportunities in financial services; analyzes considerations in selecting a securities sales agent; distinguishes how securities are traded; compares causes of stock price fluctuations; and recognizes the nature of market timing. Application of knowledge and skills is thorough and effective and the student can work independently. / The student demonstrates basic but inconsistent performance of fundamental knowledge and skills characterized by errors and/or omissions inprofessional development. The student locates employment opportunities in financial services; identifies considerations in selecting a securities sales agent; explains how securities are traded; lists causes of stock price fluctuations; and explains the nature of market timing. Performance needs further development and supervision.
Standard 4: / Selling
HSB.S.WMGT.4 / Students will acquire product knowledge to communicate product benefits and to ensure appropriateness of product for the client.
Objectives / Students will
HSB.O.WMGT.4.1 / assess the nature of stocks.
HSB.O.WMGT.4.2 / characterize the nature of bonds.
HSB.O.WMGT.4.3 / recognize the nature of mutual funds.
Performance Descriptors (HSB.PD.WMGT.4)
Above Mastery / Mastery / Partial Mastery
The student demonstrates exceptional and exemplary performance with distinctive and sophisticated application of knowledge and skills that exceed the standard in selling. The student assesses the nature of stocks; evaluates the nature of bonds; and interprets the nature of mutual funds. The student can independently solve problems and is self-directed. / The student demonstrates competent and proficient performance and shows a thorough and effective application of knowledge and skills that meet the standard in selling. The student assesses the nature of stocks; characterizes the nature of bonds; and recognizes the nature of mutual funds. Application of knowledge and skills is thorough and effective and the student can work independently. / The student demonstrates basic but inconsistent performance of fundamental knowledge and skills characterized by errors and/or omissions inselling. The student recallsthe nature of stocks; explains the nature of bonds; and identifies the nature of mutual funds.Performanceneeds further development and supervision.
Standard: 5 / Participating in aLocal Student Organization
HSB.S.WMGT.5 / Students will participate in a local student organization.
Objectives / Students will
HSB.O.WMGT.5.1 / assess the purposes and goals of a local studentorganization.
HSB.O.WMGT.5.2 / discover the benefits and responsibilities of participation in a local studentorganization as an adult.
HSB.O.WMGT.5.3 / demonstrate leadership skills through participation in local studentorganization activities such as meetings, programs, and projects.
Performance Descriptors (HSB.PD.WMGT.5)
Above Mastery / Mastery / Partial Mastery
The student demonstrates exceptional and exemplary performance with distinctive and sophisticated application of knowledge and skills that exceed the standard in participating in a local student organization. The student evaluates the purposes and goals of a local studentorganization; evaluatesthe benefits and responsibilities of participation in a local studentorganization as an adult; and modelsleadership skills through participation in local studentorganization activities such as meetings, programs, and projects. The student can independently solve problems and is self-directed. / The student demonstrates competent and proficient performance and shows a thorough and effective application of knowledge and skills that meet the standard in participating in a local student organization. The student assesses the purposes and goals of a local student organization; discoversthe benefits and responsibilities of participation in a local student organization as an adult; and demonstrates leadership skills through participation in local studentorganization activities such as meetings, programs, and projects.Application of knowledge and skills is thorough and effective and the student can work independently. / The student demonstrates basic but inconsistent performance of fundamental knowledge and skills characterized by errors and/or omissions in participating in a local student organization. The student identifies the purposes and goals of a local studentorganization; explains the benefits and responsibilities of participation in alocal student organization as an adult; and discussesleadership skills through participation in local student organization activities such as meetings, programs, and projects. Performance needs further development and supervision.
Standard: 6 / Literacy and Numeracy
HSB.S.WMGT.6 / Students will demonstrate the literacy and numeracy skills required to solve complex, real-world problems associated with their career/technical content area and improve their thinking and reasoning skills.
Objectives / Students will
HSB.O.WMGT.6.1 / utilize a variety of technical sources (e.g., Internet, manuals, journals, directions, reports, etc.) to complete career/technical assignments and projects.
HSB.O.WMGT.6.2 / demonstrate writing skills required to complete career/technical assignments and projects.
HSB.O.WMGT.6.3 / demonstrate accuracy in calculating and measuring graphical work required to complete career/technical assignments and projects.
HSB.O.WMGT.6.4 / analyze tables, charts, graphs and multiple data sources to complete career/technical assignments and projects.
Performance Descriptors (HSB.PD.WMGT.6)
Above Mastery / Mastery / Partial Mastery
The student demonstrates exceptional and exemplary performance with distinctive and sophisticated application of knowledge and skills that exceed the standard in literacy and numeracy. The student chooses a variety of technical sources (e.g., Internet, manuals, journals, directions, reports, etc.) to complete career/technical assignments and projects; performs writing skills required to complete career/technical assignments and projects; communicates accuracy in calculating and measuring graphical work required to complete career/technical assignments and projects; and evaluates tables, charts, graphs and multiple data sources to complete career/technical assignments and projects. The student can independently solveproblems and is self-directed. / The student demonstrates competent and proficient performance and shows a thorough and effective application of knowledge and skills that meet the standard in literacy and numeracy. The student utilizes a variety of technical sources (e.g., Internet, manuals, journals, directions, reports, etc.) to complete career/technical assignments and projects; demonstrates writing skills required to complete career/technical assignments and projects; demonstrates accuracy in calculating and measuring graphical work required to complete career/technical assignments and projects; and analyzes tables, charts, graphs and multiple data sources to complete career/technical assignments and projects. Application of knowledge and skills is thorough and effective and the student can work independently. / The student demonstrates basic but inconsistent performance of fundamental knowledge and skills characterized by errors and/or omissions in literacy and numeracy. The student selects a variety of technical sources (e.g., Internet, manuals, journals, directions, reports, etc.) to complete career/technical assignments and projects; reproduces writing skills required to complete career/technical assignments and projects; illustrates accuracy in calculating and measuring graphical work required to complete career/technical assignments and projects; and explains tables, charts, graphs and multiple data sources to complete career/technical assignments and projects. Performance needs further development and supervision.

Standard: 7

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21st Century Learning Skills

HSB.S.WMGT.7

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  • access and manipulate information for use in oral, written, or multimedia format using appropriate technology skills.
  • apply sound reasoning processes to solve complex real-world problems and develop new ideas.
  • exhibit leadership and ethical behavior in planning and executing tasks, as an individual or a group member.