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Jeff Morris

Jeff Morris is the Founder of SpendSmart.org and Co-Founder of The SpendSmart Companies, (SpendSmart.org, Inc. and SpendSmart, Inc. - dba SpendSmart.org). The journey to serve the community and families started in 2009 when Jeff and Gregory Spencer, created SpendSmart.org, a 501c (3) Nonprofit. This organization was established to provide customized and unbiased financial literacy and wellness educational workshops, webinars, and coaching in the areas of: Spending, Saving, Debt, Credit, Investing, Behavioral Economics, Leadership, and Character Development.  To serve a larger and more diverse population, Jeff’s vision lead to the creation of SpendSmart.org. Jeff leads a team of experts that are seeking to impact the millions of underbanked, underserved, and disenfranchised individuals, families, and small businesses that are experiencing economic and relational challenges.

Jeff is skilled as a Certified Master Money Coach, Certified Credit Expert, Life Coach, and Speaker. Morris is considered one of the nation’s thought leaders on Neuro-Behavioral Finance.

Experiences Include:  
  • • Real Estate Agent
  • • University Lecturer
  • • Life Insurance Agent
  • • Lay Ministry Leadership
  • • Football & Basketball Coach
  • • GateKeeper Ministry Support Team
  • • Author of, The CEO Mindset™
  • • Co-Author of, Invest In Your Debt™
  • • Co-Author of, An American Crisis: Veterans’ Unemployment™ - Amazon Best Seller
  • • Co-author of, Money, Science, Emotions & You!
  • • Honorably Discharged Disabled Veteran   
  • • Ceremonial Sergeant - Marine Recruit Depot
  • • U.S. Marine Corp. - Sergeant, 1st Marine Division Scout Sniper School Graduate
  • • Chief Scout for Charlie Company - 1st Battalion Seventh Marine Surveillance Target and Acquisition Platoon


Accomplishments & Recognitions
    • • 10News Leadership Award, Finalist
    • • KPBS & Union Bank Heroes Award, Finalist
    • • America’s Business Excellence Award, Finalist
    • • San Diego Business Journal – CEO of the Year Award, Finalist
    • • The Classy Awards – Small Charity of the Year Award, Finalist
    • • The White House – Presidential Citizens Medal Award, Finalist
    • • California State Assembly – Community Service Award Proclamation Recipient
    • • San Diego Business Journal – Information Technology Executive of the Year Award, Finalist
    • • San Diego Business Journal – The Healthiest Companies in San Diego, Finalist - 2011 & 2012
    • • Financial Planning Magazine & The Foundation for Financial Planning – National Pro Bono Team Award Winner



    Karen Brake Barge has over 20 years of experience as a graphic designer, specializing in the fields of corporate identity, web design, print design and branding. Karen worked for 5 years in the video game division of GTE and 5 more years for Verizon as a web site designer. Karen will oversee the design and graphic representation of The SpendSmart message. In 2003, Karen started her own graphics design company. She earned a BFA Degree from The University of North Texas and a certificate from Apple Regional Multimedia Center, Texas.

    The SpendSmart Volunteer Advisory Board


    Gregory A. Spencer is the Co-Founder and President of SpendSmart.org. As President of SpendSmart.org, an award winning 501 c (3) Nonprofit, Greg’s focus is on providing avenues of support to individuals, families, and small businesses seeking better relationships and financial outcomes. SpendSmart.org is an emerging global social enterprise and servant leadership organization that also helps employers provide unique and sustainable HR benefits that will improve the morale of your workforce and impact your bottom line. SpendSmart also allows donors and benefactors to see evidence of their contributions within underserved communities, and we support families that are seeking a simple path to wellness. 

    Greg is a Certified Financial Literacy Instructor, Keynote Speaker, Trainer, Business and Success Coach. As a financial crisis and relationship expert, Greg has created the term, MoneTude™ and coaches clients on how to identify and manage their dominant money personality type so they can live debt free and stress free. Greg’s calling and passion is mentoring At-Risk communities, especially young males, to better understand, manage, and create sustainable money, life, and family relationship skills. Spencer’s family has served in education, law enforcement, and the military.


As Chairman& CEO of Jack in the Box, Inc., Lenny is responsible for the overall operations and growth of all company and franchised Jack in the Box® restaurants, as well as restaurant development. Comma joined Jack in the Box, Inc. in 2001 as Director of Convenience-store and fuel operations for the company’s proprietary chain of convenience stores called Quick Stuff®.

Lenny serves as an advisor to SpendSmart and supports our outreach to corporations, organizations, and associations. Lenny provides his years of experience in working with SpendSmart and makes himself available to share the benefits of the resources can provide to leaders that desire to add value to their Human Resource offerings via SpendSmart’s services to employees and the community.

Mr. Comma earned an MBA from Nova Southeastern University in Fort Lauderdale, FL., and a Bachelor’s Degree in Finance from Drexel University in Philadelphia, PA. Lenny is an avid long distance runner and supports impacting At-Risk communities.

Support Video: https://www.youtube.com/watch?v=MiuqhzBwopA

Gary Yamamura has over 35 years of experience as a banking and advanced payment technology specialist, having also consulted with Visa and American Express. Yamamura has proven capabilities in the establishment and management of support organizations in the electronic commerce/banking, financial services, mass transit, smart card and traditional magnetic stripe card industries.

Specialties Include: Project Management, Program Management, Product Management, RFP/RFQ development and execution; Contract Negotiation; Technology-based Product Development and Introduction; PCI DSS Compliance; Smart Card Technology; Payment Systems; Payment System Operations; Customer Service Operations; Procedures and Policies Development. Having served as the President of Edept, LLC, Gary oversees SpendSmart’s financials, projections, and the forecasting of business partnerships.

Provide strategic talent leadership for global sales and marketing strategy division. Monica oversees strategic talent leadership for global sales and marketing @ Twitter. Previously, Monica oversaw talent acquisition at CBS Interactive and previously to that, she was the Chair of the Sony Electronics Executive Diversity Board. She has also been honored by the San Diego Urban League with a President’s Diversity Award and the Diversity MBA’s Top 100 under 50 distinctions. She is a member of Alpha Kappa Alpha Sorority, Inc., has a Bachelor of Arts Degree from the University of California Santa Barbara and an MBA from the University of Texas at Austin in Marketing.