Financial Literacy MTP | Elevated Futures Education

Statutory Operational Document, 2026 Academic Cycle

Financial Literacy

Medium Term Sequencing and Delivery Plan

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Plan Purpose and Mandate

This Medium Term Plan (MTP) serves as the forensic roadmap for the delivery of Financial Literacy at Elevated Futures Education, supporting the Level 2 Autonomy Pathway. It provides practitioners with the exact clinical scaffolding, teacher implementation steps, and evidence markers required to facilitate learner progress across the Elevation Arc.

The curriculum is architected to move students from the initial awakening of money systems toward the realisation of full professional autonomy. Every adult lead must ensure that financial concepts are delivered as restorative supports for autonomy rather than barriers to success. We prioritise the removal of cognitive load through visual scaffolding and digital fluency, ensuring no superpower is left unharnessed.

Delivery Standards

  • Asset Preservation: Leading with cognitive superpowers in every unit.
  • Executive Scaffolding: Reducing load through three, step task decomposition.
  • Chain of Evidence: Forensic recording of fiscal agency on Sentinel.
Financial Literacy | Medium Term Plan | Page 01 Ref: EFE, FIN, MTP, 2026, V1

The MTP Clinical Operating Logic

The Financial Literacy MTP is designed to ensure that regulatory safety precedes academic demand. We utilise the **DELSA** (Developmental, Emotional, Logical, Sensory, Academic) framework to map the transition from economic observation to fiscal agency.

Each week is structured to provide a clear path of awakening. Practitioners must identify the **Strength Focus** of each session, ensuring the learner sees money as a logical tool for connection. If a student becomes dysregulated by numerical load, the practitioner must pause the sequence and return to safe base co, regulation protocols.

Teacher Scaffolding Protocol
  1. Retrieval Ritual: Connect current fiscal concepts to a previous logic win.
  2. Teacher Modelling: Use high, density worked examples and visual templates.
  3. Guided Practice: Perform real, world simulations in school sanctuaries.
  4. Independent Application: Evidence capture for the Level 2 portfolio.
Financial Literacy | Operational Logic | Page 02 Elevated Futures Education | Professional Standard

Key Stage 3: Awakening | Module: Money & Systems (Weeks 1-6)

Unit/Week Area of Study Clinical Scaffolding (DDP/DELSA) Implementation (Teacher Actions) Impact (Sentinel Evidence)
Week 1 Story of Value Decomposing the history of exchange into visual, tactile timelines. Bartering simulation using classroom assets. Model transition to medium of exchange. Student articulates the concept of universal value.
Week 2 Central Banking Visual icons to represent the Bank of England and its role in stability. Explore security features of physical currency. Digital tour of the central bank. Identification of five security features on a UK note.
Week 3 Local Economy Colour, coded mapping of the high street to identify essential vs luxury retail. Conduct a local community walk. Map where money enters/leaves the ecosystem. Student identifies three essential services in their community.
Week 4 Personal Budget 1 Sanctuary, based budget templates focusing on items for regulation and worth. Model creating a sensory sanctuary budget. Categorise needs vs wants. Completed weekly budget prioritizing regulatory needs.
Week 5 The Cost of Free Visual icons representing data, time, and attention as digital currency. Model how free apps monetize user data. Discussion on the value of information. Student explains how free platforms generate value from users.
Week 6 Interest Logic Graphic representation of growth using a visual “Money Tree” metaphor. Simulate a savings scheme with digital balance growth through time, based interest. Accurate prediction of growth using a visual calculator.
Financial Literacy | KS3 Awakening | Page 03 Ref: EFE, FIN, KS3, 2026

Key Stage 3: Awakening | Module: Systems & Community (Weeks 7-12)

Unit/Week Area of Study Clinical Scaffolding (DDP/DELSA) Implementation (Teacher Actions) Impact (Sentinel Evidence)
Week 7 Banking Rituals Jargon removal through clear icons for Debit vs Savings accounts. Model reading a basic bank statement. Identify income and outgoings. Student identifies key parts of a bank statement independently.
Week 8 Public Money Flow chart showing tax funding for local hospitals, schools, and parks. Mapping public services funded by the community. Discuss collective contribution. Student explains how taxation maintains public services.
Week 9 Smart Shopping Comparison cards for bulk vs single item costs. Highlight “Poverty Premium”. Model unit price calculation. Digital shopping simulation for best value. Successful identification of cheapest unit price items.
Week 10 Social Value Vocabulary bank for altruism and community support. Research local charities. Discuss value beyond personal profit. Produced pitch for a local charity support plan.
Week 11 Financial Anxiety Safety Base checklist for fiscal stress. Identifying where to find help. Model solution focused approach to money worries. Identify advice institutions. Student lists three professional sources of financial advice.
Week 12 Awakening Project Portfolio checklist ensuring choice in final presentation format. Curate best evidence into an “Economic Explorer” portfolio for DDP review. Presentation of Awakening Phase evidence to the Principal.
Financial Literacy | KS3 Awakening | Page 04 Ref: EFE, FIN, KS3, 2026

Key Stage 4: Change | Module: AQA Professional Mastery (Weeks 1-6)

Unit/Week Area of Study Clinical Scaffolding (DDP/DELSA) Implementation (Teacher Actions) Impact (Sentinel Evidence)
Week 1 Payslips & PAYE Colour coded template identifying Gross, Net, NI, and Income Tax. Forensic audit of a sample payslip. Model deduction calculations (AQA AO1). Independent calculation of net pay with 100 per cent accuracy.
Week 2 Tax Codes Visual decoder for HMRC tax codes to remove alphanumeric abstraction. Simulate scenario of incorrect tax codes. Model advocacy steps with HMRC. Successful decoding of a standard UK tax code.
Week 3 Contracts Simplified employment contract with highlighted autonomy and safety clauses. Decompose a contract to identify rights to pay, rest, and holiday. Student identifies three legal rights within a provided contract.
Week 4 Banking Choices Comparison matrix for student vs standard accounts. Highlighting overdraft risk. Model bank account application process. Identify mandatory ID and evidence. Successful selection and justification of an appropriate account.
Week 5 Credit & Interest Infographic showing the true cost of borrowing £1000 at different APRs. Model long term cost of high interest loans vs standard credit cards. Student calculates total repayment costs for two loan scenarios.
Week 6 Credit Scores Visual representation of a credit report identifying “Signal Events”. Explore how current fiscal behaviour (e.g. phone bills) impacts future agency. Student lists three actions that improve a personal credit score.
Financial Literacy | KS4 Change | Page 05 Ref: EFE, FIN, KS4, 2026

Key Stage 4: Change | Module: Consumer Sovereignty (Weeks 7-12)

Unit/Week Area of Study Clinical Scaffolding (DDP/DELSA) Implementation (Teacher Actions) Impact (Sentinel Evidence)
Week 7 Consumer Rights Complaint blueprint with sentence starters for formal redress (AQA AO5). Model drafting a letter of complaint for a faulty digital product or service. Student produces a professional complaint citing the Consumer Rights Act.
Week 8 Digital Fintech Checklist for secure digital banking identifying 2FA and phishing markers. Digital safety audit of common fintech apps. Model spotting fraudulent activity. Independent identification of three phishing markers in a mock set.
Week 9 Ethical ESG Visual icons for Environmental, Social, and Governance markers for major brands. Model company ethical rating research. Discuss the power of the “Wallet Vote”. Comparison of two brands based on forensic ESG data.
Week 10 Budgeting Change Complex monthly budget template including NI and emergency funds. Model a transitional budget for a young person moving to an apprenticeship. Completed balanced monthly budget for a college student scenario.
Week 11 AQA Readiness Sample AQA Maths/English questions linked to financial literacy data. Model extraction of data from financial tables for GCSE level objectives. Student correctly answers three GCSE level questions using portfolio data.
Week 12 Change Review Evidence tracker for KS4 mastery identifying gaps for the KS5 project. Review mastery of Phase 2. Select best “Mastery Piece” for school display. Completed self, reflection log identifying primary financial superpower.
Financial Literacy | KS4 Change | Page 06 Ref: EFE, FIN, KS4, 2026

Key Stage 5: Autonomy | Module: Independent Mastery (Weeks 1-6)

Unit/Week Area of Study Clinical Scaffolding (DDP/DELSA) Implementation (Teacher Actions) Impact (Sentinel Evidence)
Week 1 Housing Mastery Comparison guide for tenancy agreements vs mortgages removing complex legalese. Model the true cost of renting (deposits, council tax, utility management). Independent calculation of total “First Month” moving costs.
Week 2 Energy Literacy Visual guide to reading meters with unit cost comparison tools. Audit energy tariffs. Model provider switching to reduce waste and improve autonomy. Student identifies the most cost effective tariff for a household profile.
Week 3 Legal Obligations Local council tax band map. Guide to single occupant and student exemptions. Model council tax reduction applications. Explain consequences of non, payment. Accurate calculation of monthly liability for a local property.
Week 4 Inflation Math Graphic showing the “Basket of Goods” over 10 years to show purchasing power. Explore how global shifts impact fuel and food prices. Discuss resilience strategies. Explanation of the impact of 5 per cent inflation on a fixed budget.
Week 5 Pensions Mastery Visual representation of an “Old Age” fund (State vs Private). Model auto, enrolment and the strategic benefit of starting a pension at 18. Calculation of the 5 year impact of employer matched contributions.
Week 6 Green Investing Comparison of three ethical investment funds focusing on social value. Model fund social impact research. Mock investment pitch for a green business. Production of a 3 minute investment pitch with three social benefits.
Financial Literacy | KS5 Autonomy | Page 07 Ref: EFE, FIN, KS5, 2026

Key Stage 5: Autonomy | Module: Level 2 Synoptic project (Weeks 7-12)

Unit/Week Area of Study Clinical Scaffolding (DDP/DELSA) Implementation (Teacher Actions) Impact (Sentinel Evidence)
Week 7 Project Brief Synoptic brief focusing on the creation of a “Year One” independence plan. Guide learners as they synthesize previous learning into a single living strategy. Student identifies three core objectives for their autonomy project.
Week 8 Data Collection Curated digital library of local housing and utility data to reduce search load. Gather real world data for a defined location. Calculate total annual costs. Verified spreadsheet of annual costs for an independent living scenario.
Week 9 Visual Delivery Templates for digital brochures or video logs to ensure high quality output. Support final output creation. Ensure students can explain fiscal choice logic. Draft of the digital “Autonomy Manual” complete for Level 2 submission.
Week 10 Level 2 Verification Level 2 Assessment Criteria Grid mapping work to Pass, Merit, and Distinction. Perform final quality audit of portfolios. Identify any gaps in Level 2 evidence. All mandatory components of Level 2 portfolio verified with evidence.
Week 11 Presentation Public speaking prompts and “Elevator Pitch” frameworks for the showcase. Present “Year One” plans to a professional audience to demonstrate agency. Successful defense of financial choices during a professional Q&A.
Week 12 Graduation Certification and a “Future Self” pledge log to maintain fiscal sovereignty. Celebrate pathway completion. Connect learners to next professional steps. Student signs commitment to lifelong fiscal sovereignty and worth.
Statutory MTP Verification

I verify that this Medium Term Plan aligns with the Autonomy Pathway and Level 2 requirements. It provides the forensic detail required for high, quality pedagogical delivery.

Financial Literacy | KS5 Autonomy | Page 08 Ref: EFE, FIN, KS5, 2026