The Financial Literacy Coalition of Central Texas (FLCCT)  is a 501 (c) (3) non-profit corporation whose members come from all walks of life- public and private, individual and organization- but are united by the same goal: to promote community prosperity by providing unbiased financial education. FLCCT believes that since we all handle money, we should all understand money.

The FLCCT recruits and trains volunteers to deliver sound money management information to adults and youth throughout the Central Texas community. FLCCT volunteers teach from materials developed by a range of trusted financial institutions, such as the FDIC, The Department of Labor, the National Endowment for Financial Education, and others. While all classes cover money handling, the various curricula have been developed for specific audiences such as young children, high school students, young adults or adults. We work with our Host Partners in choosing the classes that best match the needs of their clients and provide the needed materials for each class. Additionally, we provide financial literacy awareness and resources through money-related education and activities.

My name is Deandra Sullivan and I have been volunteering with FLCCT for a few months now. The process and training were easy and straightforward. It has been such a rewarding experience being able to assist other Texans with their financial needs. I love being able to make a difference in someone’s life every time I volunteer my time!

— Financial Literacy & Communications Specialist, Office of Consumer Credit Commissioner



The FLCCT is grateful to have the support of various organizations in the community. Their generous contributions allow us to continue our mission to provide financial education and resources to low income families who are often neglected and the most vulnerable.


Thank you for your support

FLCCT Board of Directors

Our board governs FLCCT decisions, offers input and guidance for organizational decisions.

Gregg Bennett – President

Gregg is a long time volunteer instructor and joined the FLCCT Board in 2017. He has served on the Executive Management teams of various banks going back until 1976. This banking background includes management responsibilities covering all the operational, HR,
compliance and accounting areas of banks including the data processing functions. At this time, he serves as the COO of Horizon Bank in Austin, TX. During his tenure, the institution has grown from around $10 million to over $900 million in assets.
Gregg has served on many technology and operations committees in the banking community. He received his BBA degree from the University of Texas at Austin in 1975 and also has an Associate of Science in Banking degree from Austin Community College.

Cecily Panetta – Vice President

Cecily Panetta grew up in Round Rock, TX and graduated from Round Rock High School. She has worked in the banking industry since 1996 in the Round Rock/Cedar Park area. Cecily joined FLCCT as a volunteer instructor in 2016 and most recently joined our board of directors bringing her enthusiastic energy and banking experience to our organization.
Through her tenure, she has brought not only her financial experience but a great deal of leadership which has been crucial to continue solidifying our presence in the community.
She is looking forward to making an impact in any way that she can and she is excited to spend time with the FLCCT family. Cecily, who has been married for almost 21 years, has a son that is 17, an avid soccer player and an accomplished choir singer.

Matthew Vitlin – Secretary

Matthew joined the FLCCT Board of directors in the spring of 2017 to lead the volunteer Train the Trainer program.  His work as a financial adviser at Reliant Wealth Management gives him an appreciation for people’s needs to understand personal money management. Matthew brings a good background in business strategy, accounting, and not-for-profit organizations to FLCCT and he is committed to further FLCCT’s mission with his talents.

Later in the fall of 2017 Matthew took the Secretary role and as an FLCCT officer he is  happy to lend his expertise to serve the most vulnerable and provide families with access to financial resources. He is happily married and excited about the future of the organization.

Debbie Urias – Treasurer

Debbie is a native Austinite and has worked in the student lending and financial aid industry since 1986. She has worked for Brazos Higher Education in many capacities since 1989. Her experience includes managing loan origination & servicing operations, systems and web development, compliance, business development and client relations. She currently serves as VP & National Customer & School Relations Director at Brazos. Debbie has an MBA from Concordia University and is currently working on her Certified Financial Planner certification.  Debbie is a passionate volunteer and likes helping families plan and pay for college. She is an avid sports fan. She loves her Longhorns, Cowboys, and Rangers! Spending time with her sweetie, her family and all her four-legged babies are what make her smile.

Michael Helferich – Board Member

Michael Helferich joined FLCCT as an instructor in 2017 and shortly after he was elected to serve as a Board member. Michael is a Business Operations professional with a focus on end results.

After 20+ years in management and business & technology consulting, he left corporate life to focus on real estate. He currently serves in the role of VP and COO for a small real estate investment company in Austin, TX and a licensed real estate agent in the Austin area focused on residential sales.

He is passionate about the future of his community and volunteers for a local non profit promoting health & human services for people living with HIV & AIDS as well as serving on the board for FLCCT and instructing classes quite often. Michael is married and lives in Austin, TX.

Emily Ryder Perlmeter – Board Member

EMILY RYDER PERLMETER is the Community Development Advisor at the Federal Reserve Bank of Dallas, where she is responsible for overseeing quantitative research in the department. She provides analysis and outreach on issues relating to consumer finance, affordable housing, small business and the impact of public policies on low- and moderate-income communities. In addition to FLCCT, she serves on the Board of Directors for HousingWorks Austin.

She earned a MPA from New York University in 2011, concentrating in econometrics and policy analysis. She also holds a BA in Criminal Justice from the George Washington University.

Emily is an avid Texas Rangers fan and a yoga enthusiast. She lives with her husband, daughter and cat in Austin, TX.

Miguel De Jesus- Board Member

Miguel De Jesus joined FLCCT in 2017. He is a research analyst and is a member of the Power & Energy Technology research group at IHS Markit. Prior, he worked in the technology sector enjoying a career in corporate learning and development and sales operation management. Miguel earned a B.A. in Economics and Psychology at The University of Texas at Austin. Miguel’s heroes are his parents, who immigrated to the U.S. to chase a dream of better opportunity for their children. He watched as his parents, with the support of their new neighbors, overcame the challenges of making a life in a new country. They adapted to a different culture, new careers and worked hard to put their children through college and build financial security. This inspires him to provide support to families who have not had the resources to learn the principles of personal finance.