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What is Finance and Business Services?

Finance and Business Services (FBS), one of the Career and Technical Education (CTE) endorsement areas for 6-12 grade Illinois classrooms, helps students become college and career ready through critical thinking and real-world application of skills that are built within the content and application of FBS courses. By taking FBS-specific courses or through the development of integrated units from other Illinois CTE endorsement areas, students develop academic knowledge and technical skills for a lifetime of opportunities as productive and responsible citizens.

Source: Adapted from

Occupational Outlook Handbook


At minimum, Illinois FBS focuses on the following areas:

  • Career Development
  • Communications
  • Digital Literacy
  • Economics
  • Entrepreneurship
  • Financial Procedures
  • Information Systems/Technology
  • International Business
  • Interpersonal and Leadership Skills
  • Marketing
  • Principles of Management and ​Law

For more information about FBS, please contact This email address is being protected from spambots. You need JavaScript enabled to view it., ILCTE FBS Leader. For more information about ILCTE, please contact This email address is being protected from spambots. You need JavaScript enabled to view it., Project Director. To be added to our communications list, please fill out the contact information. Additionally, please connect with us on Facebook, Twitter, and YouTube.

ILCTE Innovative Lessons

Career Clusters

The National Career Clusters® Framework serves as an organizing tool for Career Technical Education (CTE) programs, curriculum design and instruction. There are 16 Career Clusters in the National Career Clusters Framework, representing 79 Career Pathways to help learners navigate their way to greater success in college and career. The framework also functions as a useful guide in developing programs of study bridging secondary and postsecondary systems and for creating individual student plans of study for a complete range of career options. As such, it helps learners discover their interests and their passions, and empowers them to choose the educational pathway that can lead to success in high school, college and career.


There are 16 nationally recognized Career Clusters; Illinois has 17 Career Clusters (Energy is the 17th). Illinois FBS teachers may want to consider the examination of three-specific career clusters in the development of their program.

Finance Career Cluster

This Career Cluster® is focused on planning, services for financial and investment planning, banking, insurance, and business financial management.


This Career Cluster® is focused on planning, managing and performing marketing activities to reach organizational objectives.

Business Management and Administration

This Career Cluster® is focused on careers in planning, organizing, directing and evaluating business functions essential to efficient and productive business operations.

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PaCE Framework

Counselors, advisors, teachers and other educators can use the PaCE document to identify what types of experiences and information a student should have in order to make the most informed decisions about college and career planning. Organized from 8th through 12th grade, the Illinois PaCE Framework explains what students should be supported to do and what they should know at the end of each grade relative to three key domains: Career Exploration and Development; Postsecondary Education Exploration, Preparation, and Selection; and, Financial Aid and Literacy.


Diversity, Equity, and Special Populations  

Illinois has a commitment to provide every student the opportunity to be supported by highly effective teachers and school leaders. Further, Illinois understands that the two most important components for providing student learning are effective teachers and school leaders. Therefore, Illinois is focusing on developing highly effective teachers and leaders who are prepared to work to meet the instructional needs of each child, including those who have special needs and/or are English Language/Bilingual learners whether they come from high-poverty schools or low-poverty schools. To meet the needs of its lowest performing schools, Illinois is focusing on preparing teachers and principals to focus on differentiated instruction, student learning, and school improvement. Ensuring that teachers and principals are highly prepared to work in high need schools (HNS) will help to reduce the inequity among schools. Additionally, providing induction, mentoring, and professional development programs that focus on instructional needs of children will further support student learning in HNS (Source:

Resources for Teachers:

What is a Program of Study?

According to the definition put forward in Perkins V, a program of study must, at minimum, be a coordinated, non-duplicative sequence of academic and technical content at the secondary and postsecondary level that:

  • Incorporates challenging, state-identified academic standards;
  • Addresses academic and technical knowledge, as well as employability skills;
  • Is aligned to the needs of industries in the state, region, Tribal community or local area;
  • Progresses in content specificity;
  • Has multiple entry and exit points that allow for credentialing; and
  • Culminates in the attainment of a recognized postsecondary credential.

    FBS Course Matrix


Learning Standards

The Common Career Technical Core (CCTC) is a state-led initiative to establish a set of rigorous, high-quality standards for Career Technical Education (CTE). The standards have been informed by state and industry standards and developed by a diverse group of teachers, business and industry experts, administrators and researchers. Forty-two states, the District of Columbia and Palau participated in the development stage of the CCTC, which was coordinated by Advance CTE. The development of the CCTC was a multi-step process that incorporated input from approximately 3,500 individuals representing K-12 education, business and industry and higher education from across the nation.


​Career and Technical Student Organizations

“Our mission at Business Professionals of America is to develop and empower student leaders to discover their passion and change the world by creating unmatched opportunities in learning, professional growth and service.” – BPA Website

Mission Statement: “To assist local Chapters in the growth and development of DECA. To further develop a respect for education in marketing and management, this will contribute to occupational competence. To promote an understanding and appreciation for the responsibilities of citizenship in our free competitive enterprise system.” – Illinois DECA Website

“The Future Business Leaders of America is a student organization for motivated students who want to have fun and grow as leaders.” – Illinois FBLA Website

State and National Associations

  • Illinois Business Education Association
    Illinois Business Education Association is a professional organization for Illinois business teachers of all levels. They serve these educations by promoting the profession, keeping them informed, providing them with special publications, communicating with affiliate organizations, encouraging membership, inviting membership of others, providing scholarships, promoting cooperation among Illinois business education youth organizations, and recognizing their accomplishments.

  • National Business Education Association
    “The National Business Education Association (NBEA) is the nation's leading professional organization devoted exclusively to serving individuals and groups engaged in instruction, administration, research, and dissemination of information for and about business. NBEA is the leading association devoted to the recognition that business education competencies are essential for all individuals in today's fast-changing society.” – NBEA website

  • Illinois Association for Career and Technical Education
  • Association for Career and Technical Education
  • Illinois State Board of Education CTE

Online Resources

  • Canva - Design anything in minutes with thousands of beautiful templates and images. The “basic” plan is FREE. It offers 250K+ free templates, 200K+ free photos and elements and 1000+ fonts. There are 100+ design types for social media posts, presentations and more! The “pro” plan costs $9.95 per month and offers more templates, photos & elements than the basic plan.
  • Career Zones - The place to explore careers related to your strengths, skills and talents. There are 6 career clusters that can be explored. Arts & Humanities, Business & Information Systems, Engineering & Technology Services, Health Services, Nature & Agricultural Sciences, and Human & Public Services.
  • Ed Puzzle - EDpuzzle is an incredibly-easy-to-use video platform that helps teachers save time, boost classroom engagement and improve student learning through video lessons. Use videos from YouTube, Khan Academy, Crash Course and more. If you'd rather record and upload your own video, go for it! EDpuzzle also collects data as students watch and interact with the video. Best of all, it’s completely FREE!
  • Enneagram - Is a free Enneagram personality test will show you which of the 9 personality types suit you best. See how you score for all 9 Enneagram types, and understand where you fit in the Enneagram personality system. It only takes 10 minutes online and is FREE. The report is immediate.
  • Everfi - Everfi is a platform for creating community impact that’s customizable, measurable, inspiring, and easy. It offers Workplace Training, Financial Education, Higher Education and Community Engagement modules.
  • Flipgrid - Flipgrid is an easy-to-use social learning, video making website that allows educators and students to make video clips. A teacher can create a grid or a series of grids that asks students to discuss topics or questions. The teacher can set the requirements of the responses to the subject, which could include time limits, attachments, video, pictures, and several other settings. For educators it’s FREE!
  • Google Classroom - Google Classroom is a FREE web service developed by Google for schools that aim to simplify creating, distributing and grading assignments in a paperless way. The primary purpose of Google Classroom is to streamline the process of sharing files between teachers and students.
  • Google Classroom Cheat Sheet for Students - If you plan to implement Google Classroom as a distant learning platform, this is a great resource for your students that provides basic information on the various tools Google Classroom provides.
  • Google Classroom Cheat Sheet for Teachers - This document is a great resource for teachers that would like to learn the basics of Google Classroom for distant learning. 
  • Google Meet and Livestream Directions - real-time meetings by Google. Using your browser (you will need to use Google Chrome), share your video, desktop, and presentations with students. The linked document is a great step-by-step direction sheet for students learning how to do Google Meet Livestream for school.
  • HyperDocs - HyperDocs are Google Docs that are self-contained lessons or units. The idea has taken hold in modern education. They contain questions, with links to videos, infographics, websites, or other resources to help the students discover new information. Other uses for hyperdocs can be building an extended lesson or unit. They can also be used for substitute teacher plans, video or podcast playlists, learning centers or stations. student-made HyperDocs.
  • Kahoot! - Kahoot! is a game-based learning platform that makes it easy to create, share and play learning games or trivia quizzes in minutes. Unleash the fun in classrooms! Sign up for FREE for the basic plan or $36 per year for the pro plan. 
  • Know it All - Know it all features a wide assortment of over 8,600 media assets, for pre K-12. The content has been optimized for tablets and mobile devices for one-to-one learning. As of May 15, 2020, you will find approximately: 4821 videos, 1333 audio files, 286 photo galleries and 1781 photos, 79 interactives, 62 teacher resources, and much more! It covers career education, English Language Arts, Health Education, Math, Science, Social Studies, Technology, Visual & Performing Arts and World Languages. 
  • Make - Make is an online community of people all across the globe that “make” things. This site would be a good resource for students and teachers who are looking for makerspace-type of projects. Some existing projects could be completed at home with minimal tools and materials, while others require sophisticated technology.
  • Menti -  Mentimeter is a cloud-based solution that allows you to engage and interact with your students in real-time. It is a polling tool wherein you can set the questions and your students can give their input using a mobile phone or any other device connected to the internet. 
  • Minecraft Education Edition - Educators visiting the Minecraft: Education Edition community site will find existing lesson plans on pixel art, grid paper to plan student work, and even a Minecraft world set up as a blank canvas for students to engage in creative expression. These materials are distributed to the students, and the crafting begins. There is a cost for this education edition.
  • MyCAERT- MYcaert provides teachers with an integrated online system to Plan, Document, Deliver, and Assess Career & Technical Education instruction. It not only allows access to a complete selection of instructional components, but also serves as a classroom organizational and management tool. Once on the MyCAERT website, in the upper right-hand corner will be a YELLOW box labeled questions.  Enter your information into the question box to request access.
  • Nearpod- Nearpod is an instructional platform that merges formative assessment and dynamic media for collaborative learning experiences. You can upload tech-enhanced materials or customize over 7,500 pre-made, standards-aligned lessons for all K-12 subjects. Students complete assignments independently while you gain insights into students’ understanding with post-session reports. Easily integrates with your LMS (i.e. Google Classroom, Canvas, Schoology and more).
  • Nepris- virtually connects educators and learners with a network of industry professionals, bringing real-world relevance and career exposure to all students. Nepris also provides a skills-based volunteering platform for organizations to extend education outreach, and build their brand among the future workforce.
  • - Next Generation Personal Finance - this site is free. It contains 9 wk, semester, and full year curriculum for middle and high school.
  • - A tool that sets up accounts for students that are private. Cost for a teacher $12 /month. Teachers may post assignments and students can create work and post their assignment work back to the teacher.  Teacher is in full control of the student and parent access.
  • Pear Deck - this is a sidebar to add to Google Slides. It allows a teacher to be in presentation mode and then be able to communicate with students by giving a formative assessment, creating custom questions, adding audio to a slide, and active dashboard to watch each student's reaction to material presented. Pricing free, $150/yr, custom for district.  Web site has the options available for pricing listed. 
  • Perusall-  this tool indicates it wants to change the mindset of reading from a solitary task to a more group oriented task. It wants to make reading fun and make sure students come to class prepared. This site does have some free options.
  • -   This web-based tool is supplied and supported by the University of Colorado. The sites supports full STEM activities covering Physics, Chemistry, Math, Earth Science, Biology. The site has 158 interactive simulations and 2300 teacher submitted lessons. The Physics section has complete simulations for Ohm’s law for electricity and magnetism.  This is a free cloud based tool.
  • - Free quiz tool. Can be used on any device. For in class and online uses.  Never grade a quiz again. Web site even has quizzes built for different subject areas, even CTE.
  • Quizlet - Allows teachers to create or use existing study material. The tool tracks students progress through the material. Great online tool and also classroom tool.  30 day free trial, otherwise $35.99 /year
  • Reality Store - The is a simulation to help students understand the cost of living. By understanding what costs they incur may help them decide what type of career to pursue.  A manual for $35 or a CD for $50, or both for $75 is available.
  • Adobe Rush App - this tool is available for the PC, IOS, and Android.  Gives the user capability to create fantastic videos that have been edited.  Free use of the tool with three exports is available. Otherwise it costs $9.99 / month.
  • Schoology - a complete Learning Management System (LMS) that integrates with many other educational tools.  A free one teacher offer is available. For a district wide package more investigation would be required for pricing.
  • Screencastify- Google Chrome extension. Allows teachers to record their voice, screen, and even has drawing tools. Teachers can record lessons, assignment solutions, and verbal student feedback. Free version allows up to a 5 minute video. Premium version is $29 per person. Can get a special school quote.
  • Screencast-o-matic - Video recording service that allows teachers to record their screen and webcam simultaneously. User-friendly. No download required. Video can be published immediately. Free version. Premium versions for schools available with many price variations.
  • Socrative- An instant student-response tool that allows teachers to engage students with simple polls and quizzes. Free for one classroom group. Paid plans available.
  • Spin the Wheel random picker - Interactive tool that allows the teacher to make a decision at random. It has three modes: random picking, random, accumulation. Free.
  • Teaching21st - Many free resources to support the Common Core and to meet 21st Century Skills, including assessment and rubrics, virtual field trips, and internet safety.
  • – Free, cloud-based simulation tool. It has all the equipment of an electronic workbench. Meters, Oscilloscope, Function Generator, Power Supplies, Batteries, etc….   This tool is very helpful in understanding how to wire circuits (analog and digital) on a breadboard. This tool also allows building circuits to interface to Arduino and coding the Arduino to perform a simulation.
  • Virtual Box - Allows users to run other types of platforms other than what is on their computer. Ideal when teaching different operating systems.
  • YouTube - Large library of videos that can be used as supplemental instruction. Can also upload their own videos. Free.
  • Zoom- Online platform to host meetings, webinars, conference rooms, chat, and phone system. Free version.
  • Zoom Etiquette - If you are using Zoom for classroom meetings, this is a useful resource for everyone to review before partaking in an online meeting.
  • ZyBooks - Interactive textbook for STEM classes. Must contact company for prices. Can get free demo.
  • 10 Tips for Teaching Online: Practical Advice from Instructors - With the right tools, some creativity and a healthy dose of patience, you can master the move online.

Additional Resources

The following documents have been publicly shared online

Accounting Ethics Project

This project gives the students a list of famous accounting scandals. Students will research all about a specific scandal and combine their findings in a paper or PowerPoint presentation.

Click here to download:  pdfdownloadicon

Buying a Computer Project

This project has the students research various options to a computer when looking to buy one. Answers will be recorded in a Google Doc and then compiled into a Google Presentation.

Click here to download:  pdfdownloadicon

Create a new OREO package

Students will create a new flavor and design a new OREO package.The package must be appealing and obvious on who the target market is.

Click here to download:  pdfdownloadicon

Company Research Project and Display

Students will choose one company to research. They will look at marketing strategies, target markets, competitors, pricing strategies, etc. Students will create a visual presentation.

Click here to download:  pdfdownloadicon

Contract Writing - Having a Child

This project provides several different scenarios on people expanding their family. Students must write a contract must include religion, background, and discipline.

Click here to download:  pdfdownloadicon

Disney Park Expansion Project

Students will choose a country where Disney does not already have an amusement park. The final product must include a map, overall country profile, and detailed explanations on what is in the park.

Click here to download:  pdfdownloadicon

Dream Car Project

This project has the students find a car online and then do a cost analysis on the vehicle. Then the students will research four other cars and graph a cost comparison in Excel.

Click here to download:  pdfdownloadicon

Illinois Teacher Licensure

​Illinois offers three different Educator Licenses with Stipulations (ELS) endorsed in Career and Technical Education (CTE). Career and Technical Education programs provide instruction for occupations in Agricultural Education; Business, Marketing and Computer Education; Family and Consumer Sciences; Health Science Technology; and Technology and Engineering Education (Industrial).​(Click here for more information)

Illinois Teacher Job Bank

Search the Illinois Teacher Job Bank for your next career move (Click here for more information)

Keyboarding Technique Outline

In this worksheet, students will read three different articles and fill in the provided outline about keyboarding technique.

Click here to download:  pdfdownloadicon


This worksheet has the students come up with an educational goal and then takes them through the SMART steps to ensure that the goal is obtained.

Click here to download:  pdfdownloadicon

Vacation Budget Project

Students will utilize Excel to research and compare various vacation destinations. They will record their data and create charts in Excel.

Click here to download:  pdfdownloadicon

Employment Tools

Skills2Succeed Academy (Click Here)

This website is a free, highly interactive online training program.  It helps learners build the skills and confidence they need to make smart career choices and find and succeed in employment. (Click Here!)

Social Media

Business Educators
A nationwide business educators Facebook page to collaborate and share ideas.

Illinois State University Business Educators
“The Business Teacher Education major at Illinois State University combines the solid foundation of a business degree with preparation of teachers in business, marketing and computers. We recently added a non-license online M.S. in Business Education.”

Illinois Business Education Association
Illinois Business Education Association Facebook page posts news updates and the latest trends in the business classroom.