High School · Grade 12 · Ages 17–18
The Capstone Plan
Ready for adult life
Twelve years of the staircase converge on one artefact: a personal financial plan every student builds, defends and presents before graduation. Income expectations, a budget, savings goals, an investment approach matched to their own measured risk tolerance, insurance and credit understood — a rehearsal of the next decade, on paper, while mistakes are still free.
The year in depth
Around the capstone, the final year closes the remaining gaps: digital finance and fintech (where money actually lives now, and what that costs in privacy), and financial ethics — impact, legacy, and what money is for once you have enough.
The year also carries the program's most distinctive module: Think Like a Pro — lessons from professional decision-making under risk. Six lessons on not losing money, fear and greed, why losing is normal and survivable, probability-based thinking, and building your own written rules before the market tests you. Not stock tips — the psychology and discipline of professionals, taught as judgment.
What your students learn
- Build and present a complete personal financial plan
- Match an investment approach to their own measured risk tolerance
- Evaluate fintech products for cost, convenience and privacy
- Make and defend an ethical financial decision — impact, giving, legacy
- Apply professional risk discipline: protect capital, expect losses, follow written rules
For the teacher
Teacher-led capstone year: plan-building framework, presentation format, simulation-based activities and the six-lesson Think Like a Pro module with case studies.