This paper describes a framework developed by the Financial Literacy and Education Commission (FLEC) to provide the foundation for an overarching financial literacy strategy. This framework establishes concrete goals that the non-profit, government, and private sectors can and should work together to increase financial literacy and improve financial decision making by individual Americans and their families as they pursue personal financial objectives. In recognition of the many changes needed to move the nation forward in this regard, the focus in this strategic framework is on (1) the need for increased financial literacy and effective financial decision making and (2) the educational efforts required to achieve those worthy objectives. The framework identifies five action areas--policy, education, practice, research, and coordination. Not every stakeholder will engage in all five, but carrying out the national strategy will require that each find its own balanced blend to ensure effective participation. (Contains 8 footnotes.)