Empower | Advance | Transform


Our Vision is to inspire financial literacy in the community, helping individuals to apply knowledge that can change the course of their lives.

Our Mission is to provide practical financial education promoting a better quality of life, a stronger community, and a positive impact to the local economy.

Financial Literacy Center of the Lehigh Valley is a 501(C)3 and a Pennsylvania Charitable Organization

Board of Directors

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Cynthia Garcia

Board Chair

Owner, Garcia Insurance - Farmers Insurance

Cindy Garcia was born and raised in the Lehigh Valley and she is married with 3 beautiful girls. Cindy worked in the banking industry for over 18 years and since 2012 she is the owner of The Garcia Insurance Agency, which is a Farmer’s Insurance agency located in Allentown. Cindy currently holds her Property & Casualty designation as well as her Life & Health insurance designation in the state of Pennsylvania. She has earned the prestigious “Blue Vase” life achievement award, the “New Business” award, and the “Toppers Club” award. She is an active community member, dedicating her time to several charities including: Good Shepherd Rehabilitation, Sandy Sprint Ovarian Cancer Walk, and the Pancreatic Cancer Research Walk.

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Marci Martinez-Howey


Senior Director, Finance - United Way of the Greater Lehigh Valley

Marci was born in Allentown and has lived in the Lehigh Valley all her life.  She and her husband Ed have five wonderful daughters.  Marci is the Senior Director, Finance at United Way of the Greater Lehigh Valley. Prior to the United Way, Marci was a store manager with Wells Fargo and a Technical Support supervisor at T-Mobile Wireless. In addition to the board of the Financial Literacy Center, Marci is also an active community member, spending time participating in various community initiatives and events.


Richard Shaffer, Jr

Attorney-At-Law, Of Counsel to Swartz and Associates

Attorney Shaffer is a graduate of the College of Arts & Science of Lehigh University and the Widener University School of Law. He has been a member of the Pennsylvania Bar since 1997.  Although he has been practicing law for almost 20 years, he also has significant experience in sales and marketing in the corporate world. With his broad experience, Mr. Shaffer can offer insightful recommendations to established business and to start-ups. He devotes approximately 20% of his time to litigation with a focus on landlord Tenant cases, 35% to providing counsel to business owners, 45% to estate planning, real estate transactions and general practice matters. Attorney Shaffer’s office phone number is 610-439-1000 & his email address is


Jason Alter

Vice Chair

Market Development Manager, Guardian Insurance

Jason has lived in the Lehigh Valley for more than 25 years. He and his wife Rachel have two wonderful children. Jason is a manager for Guardian’s Consumer & Government Markets Quality Assurance Department focusing on processes impacting the company’s consumers and underwriting. He has been with Guardian since 2005 and has held various positions throughout his years of service, including Development Manager and Lead Business Analyst. Jason has a bachelor of science degree in finance with a minor in marketing from The College of New Jersey and a master of business administration degree from Kutztown University.


Ryan Keith Harding

President, RYAN Consulting Group

R. Keith Harding is the President one of the founders of RYAN Consulting Group, Inc. He is an established and well respected IT industry veteran with a proven track record of leadership at Cognos, IBM, Defense Finance and Accounting Service (DFAS – US Department of Defense), and the Marine Corps as well as over 14 years of IT consulting and management expertise. Prior to joining RYAN, Keith was the Enterprise Manager for several business intelligence initiatives in Cognos global consulting. He was extensively involved in the Business Intelligence System development and deployment at DFAS (DoD). Keith was recently named the U.S. Small Business Administration (SBA) Indiana District Office 2016 8(a) Graduate of the Year.


Gabriel Rendon

Founder and Executive Director, Instructor

Gabriel Rendon is a lifelong resident of Allentown, Pennsylvania. Growing up in the heart of the Lehigh Valley, Gabriel, along with his wife Latisha, started Financial Literacy Center with the desire to impact the community through financial education. Gabriel spent 17 years in the financial services industry including retail banking, lending, investments, insurance, mortgage lending, and small business banking. Financial literacy has been a critical factor in Gabriel's success and he desires to empower others to advance and transform their lives. 


In The Community