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EXECUTIVE & FINANCE Committee Meeting Agenda – August 17, 2023 – 8:30 – 9:30 AM

Virtual Meeting

Zoom Link: https://us02web.zoom.us/j/81632131785?pwd=UE1vUHZCSnowUTIrUUtNR3NwZjN5dz09

Meeting Call-In Number: 1-929-205-6099 Meeting ID: 816 3213 1785 Passcode: 908601

Directors are reminded that all Able Trust Board and Committee meeting are open and publicly noticed. Under Florida Sunshine Law, any meeting of 2 or more Able Trust Directors must be publicly noticed. Directors are prohibited from discussing Able Trust business outside of official meetings of the organization.

Directors are reminded of conflict of interest provisions. In declaring a conflict, please refrain from voting or discussion and declare the following information: 1) Your name and position on the Board, 2) The nature of the conflict, and 3) Who will gain or lose as a result of the conflict.

I. Call to Order and Roll Call

II. Consent Agenda - Action

a. Meeting Agenda

b. May Executive & Finance Committee Minutes

III. Regular Business

a. Financial Reports - Action

i. Profit & Loss Sheet

ii. Balance Sheet

b. Legislative Research Report Update

c. 2023 DEAM

i. Kick-Off Event

ii. Other Opportunities to Engage

d. 2024 Board Retreat

IV. Unfinished Business

New Business

Public Comment

Next Executive & Finance Committee Meeting: November 26, 2023, 8:30 – 9:30 AM Adjourn

Laurie Sallarulo, Board Chair

Doug Hilliard, Treasurer

Laurie Sallarulo, Board Chair

Please Note: Agenda subject to revisions and additions per the discretion of the Chair of the Board of Directors. Notification will be sent of any such revisions or changes.

Members of the Public: Please notify Arnaldo Ramos at Arnaldo@abletrust.org if you wish to make public comment on particular agenda items no later than 1-hour prior to beginning of the meeting.

Florida Endowment Foundation for Vocational Rehabilitation, dba The Able Trust

DRAFT Executive & Finance Committee Meeting Minutes

Executive/Finance Committee Meeting – May 16, 2023 – 8:30 AM

Virtual Meeting

Members in Attendance Chip Byers; Laurie Sallarulo

Members Absent Doug Hillard; Mavara Mirza-Agrawal

Staff & Guests in Attendance Allison Chase, President & CEO; Arnaldo Ramos, Executive Assistant;

Item

Action/Discussion

Call to Order and Roll Call Chip Byers called the meeting to order at 8:35am. A quorum was confirmed.

EXECUTIVE COMMITTEE CONSENT AGENDA

a. Meeting Agenda

b. February Executive & Finance Committee Minutes

REGULAR BUSINESS

a. Financial Reports

a. Profit & Loss Sheet

b. Balance Sheet

Chip made a motion to accept the consent agenda, seconded by Laurie. The consent agenda was unanimously approved.

Allison reviewed the updated Profit & Loss Sheet and the Balance Sheet through the end of March. Items to be pointed out regarding revenue:

• Project Based Revenue – pending $93,000 payment from VR Contract to reach the $150,000 projection.

• State Appropriations or Other Federal / State / and local sources – this includes:

o HSHT payment of $549,000 from the state,

o Special line-item research project payment of $250,000 we are contracted with the state for, payment pending as well.

Allison encouraged the committee to ask questions regarding expenses and proceeded to share that the Able Trust is on track for being at or under expenditures for this year.

A Family Endowment Charitable Remainder Trust and the revenue earned from Visit Orlando will put us over 100% of revenue this FY.

Laurie asked where we stood with administrative expenses, Allison responded stating that the Able Trust typically runs at around 9% which is well under the maximum of 15%. However, for the upcoming FY vice-presidents’ salaries would be included as they will be considered officers of the organization.

Allison proceeded to review the Balance Sheet, our current assets and bank account amounts are higher at this time by a little over $200,000 and a lot of it has to do with the performance of the market this past year. Overall, looking at the

bottom line, our total assets and endowments are down by 11.6%. But compared to the national average, which is 19.4%, we are doing well. Allison recognized a new line-item Accumulated Amortization which is a new federal accounting requirement under GASB rules that shows our lease assets.

Laurie asked for further clarification on the proposed budget regarding the total income 29% increase. Allison explained that the increase is due to the ArtCIE Federal Grant contract with VR of over $2,000,000, where we are operating as grant managers.

The expense line item Grants and Other Supports to VR has increased from $70,000 to $300,000. This increase is being funded primarily by investment income and new grants and sponsorships and unrestricted gifts. Also, this will support VR with staff retention and public outreach, which are goals identified by VR for the Able Trust to better support them.

The legislature implemented a new statutory requirement for a study on services rendered to persons with disabilities throughout the state, which is why we are recommending $60,000 to contract a consultant to help us plan and accomplish that report.

Chip first motioned to approve the Profit & Loss Sheet, Balance Sheet, and Draft Budget for FY2023-2024, Laurie seconded the motion, motion passed unanimously.

Allison explained that within our investment policy we need to add language prohibiting the use of ESG as investment strategy recently passed this last legislative session.

Chip first motioned to approve the Investment Policy ESG Prohibition Revision, Laurie seconded the motion, motion passed unanimously.

The Able Trust was reauthorized for four years. Language was added to s. 413.615 F.S. requiring The Able Trust to conduct a research study regarding Florida services for people with disabilities including challenges, best practices, and recommendations.

We will be issuing a grant to The Grow Group in Tampa to assist with the Collective Impact Project. We are also partnering with USF College of Nursing for a summer bootcamp for 12 HSHT students. This may be a model that we replicate next summer with other partners.

UNFINISHED BUSINESS There was no discussion.

PUBLIC COMMENT No public comment was offered.

NEXT MEETING Aug 17, 2023, 8:30 – 9:30 AM

ADJOURN The meeting adjourned at 9:40am.

Respectfully submitted, Laurie Sallarulo, Committee Chair

b. FY 2023 – 2024 Draft Budget – ACTION c. Investment Policy ESG Prohibition RevisionACTION d. Reauthorization & New Reporting Requirements e. Collective Impact Project & Industry Specific Training/Events

& Loss Budget to Actual 7.1.22 - 6.30.23 Actual Budget $ Over Budget % of Budget 1 Cash on Hand prior FY @ 6/30/23 2 Cash on Hand 600.101 710,066.00 710,066.00 0.00 100.00% 3 Sinking Fund 421,354.00 421,354.00 0.00 100.00% 4 Cash in Public Investment Accounts 222,062.00 222,062.00 0.00 100.00% Ordinary Income 5 Endowment & Bequests Cantwell CRT Maturization 190,000.00 0.00 190,000.00 6 Managed Account Contributions 602.301 50,000.00 50,000.00 0.00 100.00% 7 Fees Earned for Managing Family Funds (1.5%) 603.016 20,852.58 51,470.00 -30,617.42 40.51% 8 Grants 9 New Grants 603.017 197,651.67 100,000.00 97,651.67 197.65% 10 Grants from prior period 600.102 0.00 0.00 11 Project Based Revenue 600.105 176,050.33 150,000.00 26,050.33 117.37% 12 Sponsorships & Unrestricted Gifts 603.003 100,343.64 150,000.00 -49,656.36 66.90% 13 State Appropriations or Other Federal/State/Local Sources 603.006653,635.49 799,523.00 -145,887.51 81.75% 14 Investment Income 15 Investment Income (including sales): State 603.117 1,555,483.00 1,555,483.00 0.00 100.00% 16 Investment Income (including sales): Private 661.100 235,388.00 235,388.00 0.00 100.00% 17 Total Income 4,532,886.71 4,445,346.00 87,540.71 101.97% 18 Expense 19 DVR Support & Activities 20 DVR Staff Events 780.000 30,878.12 48,000.00 -17,121.88 64% 21 Grants & Other Support to VR 781.000 22,616.71 70,000.00 -47,383.29 32% 22 Grants, Support & Sponsorship 23 Grants & Capacity Building 802.000 74,854.41 300,000.00 -225,145.59 25% 4

The Able Trust Profit

24 Donor Directed Grants 802.010 50,000.00 50,000.00 0.00 100% 25 Sponsorships 803.303 18,550.00 20,000.00 -1,450.00 93% 26 Programs and Projects 27 High School High Tech 28 Grants to Sites 807.100 904,116.89 946,000.00 -41,883.11 96% 29 HSHT Annual Training 807.150 31,238.19 30,000.00 1,238.19 104% 30 Project Venture 807.200 18,592.58 25,000.00 -6,407.42 74% 31 HSHT Educational Materials 807.140 0.00 1,000.00 -1,000.00 0% 32 HSHT Supplies & Postage 807.145 44.19 1,000.00 -955.81 4% 33 HSHT Travel 807.121 8,666.82 15,000.00 -6,333.18 58% 34 DEAM (Disability Employment Awareness Month) 807.600 26,813.00 25,000.00 1,813.00 107% 35 Inclusive Florida 36 Research/Data Analysis 808.601 106,150.50 100,000.00 6,150.50 106% 37 Innovation Grants & Projects 91,164.77 250,000.00 -158,835.23 36% 38 Content Experts 808.604 39,000.00 50,000.00 -11,000.00 78% 39 Think Tank Expenses 0.00 20,000.00 -20,000.00 0% 40 Training & Events 15,045.69 20,000.00 -4,954.31 75% 41 2023 Summit Planning 0.00 20,000.00 -20,000.00 0% 42 Travel 808.602 5,225.97 20,000.00 -14,774.03 26% 43 Fundraising & Donor Development 44 State License Registration 805.122 272.60 300.00 -27.40 91% 45 Endowment Funds & Investment Management 46 Investment & Bank Account Charges 730.000 103,227.45 203,201.04 -99,973.59 51% 47 Marketing & Communications 48 Webinars 0.00 3,000.00 -3,000.00 0% 49 Website 805.135 4,500.00 8,500.00 -4,000.00 53% 50 Marketing & Support Materials 805.110 2,091.10 3,500.00 -1,408.90 60% 51 Board Related Expenses 52 Board & Committee Meetings 793.050 1,985.34 5,000.00 -3,014.66 40% 53 Board Retreats 793.001 1,397.92 12,000.00 -10,602.08 12% 54 CEO Program Management (see 413.615(9)j FS 55 CEO Travel 794.010 15,886.54 15,000.00 886.54 106% 56 CEO Memberships & Registrations 794.030 625.09 2,000.00 -1,374.91 31% 57 Operations & Overhead 5

58 Amoritization Expense 25,546.58 0.00 59 Interest Expense 868.04 0.00 60 Office 776.100 51,156.00 60,000.00 -8,844.00 85% 61 State Storage Facility (or destruction)776.101 110.16 1,000.00 -889.84 11% 62 Furnishings, Equipment & Software 64 Computers & Equipment 750.000 5,610.21 6,000.00 -389.79 94% 65 Copier 776.104 3,214.82 3,000.00 214.82 107% 66 Depreciation 738.000 570.00 4,500.00 -3,930.00 13% 67 Software & Licenses 750.100 28,553.24 18,500.00 10,053.24 154% 68 Insurances - non-health 69 BOP & Business Auto 758.100 6,255.51 6,567.87 -312.36 95% 70 Directors & Officers 758.300 2,003.28 2,575.00 -571.72 78% 71 ERISA Bond-401K 758.500 375.00 0.00 375.00 72 Liability Umbrella 758.200 1,793.32 6,567.87 -4,774.55 27% 73 Worker's Compensation 758.400 4,136.00 2,575.00 1,561.00 161% 74 Staff Memberships & Registration 710.000 16,550.28 15,000.00 1,550.28 110% 75 Staff Training & Development 710.500 8,136.48 8,000.00 136.48 102% 76 Staff Travel & Outreach 711.000 31,630.11 30,000.00 1,630.11 105% 77 Telephone & Internet 790.000 3,303.70 9,000.00 -5,696.30 37% 78 Printing & Mailing 775.000 1,160.59 2,000.00 -839.41 58% 79 Office Supplies 770.000 2,938.22 3,000.00 -61.78 98% 80 Staffing & Consultants 81 Salaries 701.002 701,924.10 730,000.00 -28,075.90 96% 82 Benefits 83 Health Insurance 703.001 54,295.09 64,497.64 -10,202.55 84% 84 Dental Insurance 703.002 3,049.57 4,569.21 -1,519.64 67% 85 Life Insurance 703.102 702.90 1,294.70 -591.80 54% 86 Short Term Disability/Long Term Disability 703.101 3,149.88 7,120.85 -3,970.97 44% 87 401(k) Match & Expenses 704.000 28,240.08 36,455.52 -8,215.44 77% 88 Payroll Taxes & Expense 89 Payroll & Unemployment Taxes 702.000 53,135.99 66,927.00 -13,791.01 79% 90 Payroll Processing Fees 701.200 485.30 1,200.00 -714.70 40% 91 Consultants & Contractors 92 Finance & Record Keeping 701.250 70,416.25 70,000.00 416.25 101% 6

93 Grant Writing 791.000 34,900.00 30,000.00 4,900.00 116% ArtCIE Grant Management 34,800.00 0.00 34,800.00 94 Audit & Tax 766.000 28,744.00 29,950.00 -1,206.00 96% 95 IT Support 790.100 9,317.49 12,000.00 -2,682.51 78% 96 Lobbying 765.200 71,518.40 50,000.00 21,518.40 143% 97 Legal 765.000 53.00 2,500.00 -2,447.00 2% 98 Total Expense 2,861,587.47 3,548,301.70 -686,714.23 81% 99 Net Ordinary Income 1,671,299.24 897,044.30 774,254.94 186% 7

The Able Trust Balance Sheet

UNRESTRICTED June 30, 2022 June 30, 2023 UNRESTRICTED RESTRICTED PARTIALLY RESTRICTED Current Assets/Bank Accounts 109.300 · First Choice 8 - 10,000.00 109.003 · ICS 716 - 847,299.55 109.002 · ICS 001 - 146,713.06 108.000 · The First Reserve 711,317.63 (24,982.99) (24,982.99) 109.000 · The First Operating 50,147.17 74,709.43 74,709.43 109.200 · The First Admin Sinking 421,396.90 250,459.62 250,459.62 109.001 · Petty Cash 78.81 178.81 178.81 110.061 · Morgan Stanley Smith Barney (2) 207,309.36 215,983.30 215,983.30 110.200 · Wells Fargo 59,005.81 45,433.08 45,433.08 Total Current Assets/Bank Accounts 1,449,255.68 1,565,793.86 300,364.87 261,416.38Current Assets/Accounts Receivable 12000 · Undeposited Funds 2,500.00 10,174.72 10,174.72 120.001 · Accounts Rec - General 73,030.00 65,000.00 120.003 · Accounts Rec - Commun/DEAM - 29,150.00 120.007 · Accounts Rec - SOF/DOE/VR 137,455.75 137,455.75 137,455.75 120.008 · Accounts Rec - Endowment Admin Fees 10,700.68 -128.000 · Prepaid Expense 6,875.00 -258.200 · Allowance for Doubtful Accounts - (60,000.00) (60,000.00) Total Current Assets/Accounts Receivable 230,561.43 181,780.47 (49,825.28) 137,455.75State Endowments 110.061 · Morgan Stanley Smith Barney (2) 9,097,336.36 9,020,743.69 9,020,743.69 110.200 · Wells Fargo 9,237,598.81 9,238,022.83 9,238,022.83 Total Other Current Assets 18,334,935.17 18,258,766.52 - 18,258,766.52Long Term Assets 260.000 · Present Value-Deferred Contrib. 773,700.99 684,216.99 684,216.99 Total Long Term Assets 773,700.99 684,216.99 - 684,216.99Fixed Assets 205.000 · Computers 19,829.88 19,829.88 19,829.88 211.000 · Furniture & Fixtures 94,079.70 94,079.70 94,079.70 230.000 · Accumulated Depreciation (110,489.03) (111,059.03) (111,059.03) Total Fixed Assets 3,420.55 2,850.55 2,850.55 -Other Assets 258.100 · Accumulated Amortization (23,768.53) (51,093.11) 258.000 · Lease Asset 142,611.19 153,279.19 250.100 · Surety Deposit (Thomasville Rd) 4,200.00 4,200.00 4,200.00 255.000 · Rec. re: Griffith Ins. Policy Estimated 97,750.00 97,750.00 97,750.00 257.000 · PFG Stock (273 shares @ $59.96) 16,369.08 16,369.08 16,369.08 Total Other Assets 237,161.74 220,505.16 118,319.08 -TOTAL UNRESTRICTED ASSETS 21,029,035.56 20,913,913.55 371,709.22 19,341,855.64Page 1 of 2 Unaudited for Management Purposes Only 8

As of June 30, 2023 ASSETS

The Able Trust Balance Sheet

June 30, 2022 June 30, 2023 UNRESTRICTED RESTRICTED PARTIALLY RESTRICTED Private Endowments 110.020 · Pettengill Ability Fund 5.30 5.30 5.30 110.216 · McKeon Ability Fund 636,460.72 623,417.67 623,417.67 110.217 · Ward Ability Fund 430,563.22 415,185.66 415,185.66 110.215 · Hibbard Ability Fund 312,516.56 307,114.01 307,114.01 110.231 · Gallimore Ability Fund 557,399.00 604,692.67 604,692.67 110.232 · Thomas Ability Fund 771,372.30 836,568.51 836,568.51 110.233 · Pettengill Ability Fund 26,291.01 29,017.94 29,017.94 29,017.94 110.234 · LeRoy Ability Fund 145,199.88 139,281.27 139,281.27 Total Endowments 2,879,807.99 2,955,283.03 - 2,955,277.73 29,023.24 TOTAL ASSETS AND ENDOWMENTS 23,908,843.55 23,869,196.58 371,709.22 22,297,133.37 29,023.24 Managed Funds - as fiduciary 106.000 · FSA - Employee PreTax Acct - -Total Managed Funds - as fiduciary - - - -TOTAL MANAGED FUNDS AND ASSETS RESTRICTED AND UNRESTRICTED 23,908,843.55 23,869,196.58 371,709.22 22,297,133.37 29,023.24 LIABILITIES & EQUITY Current Liabilities 320.000 · Accounts Payable 42,422.93 43,656.52 43,656.522110 · Direct Deposit Liabilities (1,606.83) (1,606.83) 320.994-999 · Payroll Liabilities 1,188.82 175.08 175.08 329.000 · Accrued Leave 20,950.00 10,628.00 10,628.00 321.000 · Unearned Revenue 50,000.00 50,000.00 50,000.00 Total Current Liabilities 112,954.92 102,852.77 43,656.52 60,803.08Deferred Inflow of Resources 270.000 · Deferred Inflow of Resources 773,701.21 684,217.21 684,217.21 Total Deferred Inflow of Resources 773,701.21 684,217.21 - 684,217.21Managed Funds for Distribution 320.106 · Employee PreTax Managed Funds -Total Managed Funds for Distribution - - - -Long Term Liabilities 330.000 · Lease Liability 116,934.67 99,870.34 Total Long Term Liabilities 116,934.67 99,870.34 TOTAL LIABILITIES 1,003,590.80 886,940.32 43,656.52 745,020.29Equity Retained Earnings 5,084,098.20 (30,351.14) 690.000 · Fund Balance 22,860,187.63 22,860,187.63 Net Revenue (5,039,033.08) 152,419.77 Total Equity 22,905,252.75 22,982,256.26 - -TOTAL LIABILITIES & EQUITY 23,908,843.55 23,869,196.58 Page 2 of 2 Unaudited for Management Purposes Only 9

As of June 30, 2023

ABOUT- Introduction, Overview, Purpose of Report (EXECUTIVE SUMMARY)

1) About PWD

a) Overview, describe and quantify

i) Incidence, general population

ii) Degrees of disability

(1) self-reporting

(2) More involved cases

(a) Any special references needed for autism or intellectual or development disabilities?

b) Objective – independence meaningful employment and economic independence

2) Overview of Landscape for PWD

a) Work

i) Underemployment

ii) Factors impacting employment for PWD

(1) Barriers & biases

(2) Marketplace/Employment landscape

b) Nonwork

3) Structure and purpose of this paper

a) SB 240

b) Able Trust

4) Findings & Recs

a) Strengthen Collaboration

i) Employment First

ii) Collective Impact

b) Invest in Solutions

BACKGROUND - Identify the current systems for service delivery to persons with disabilities, including operations, services, coordination activities, and structures.

1) Laws & Rules

a. Examine federal and state law and rules that impact or limit supports or services for persons with disabilities.

i. Refer to REACH Act “No Wrong Door”

2) 0-22 (operations, services, coordination activities, and structures.)

a. Early Childhood – Setting the Stage

i. Engaging parents and families

ii. Increasing early intervention services in integrated settings

b. School Age – Preparing for Transition

i. Establishing postsecondary plans for pathways to employment

1. Per SB 240, specific focus on transition out of high school

ii. Connecting to transition activities for future education & employment

1. Pre-employment transition services

iii. Increasing workforce participation and training upon graduation

3) Post secondary life - Working Age Adults – Participating in CIE - Transition to Adulthood/Independent living (operations, services, coordination activities, and structures.)

a. Tools to Address

i. Accommodations & assistive tools/systems

ii. Agencies

iii. Community based

iv. Caregivers

1. Family

2. Behavioral and Medical providers

b. Supportive employment services

i. Connecting people to individualized employment services

ii. Enhancing supports and decreasing reliance on sheltered employment

iii. Improving workforce system collaboration and employer engagement

iv. Advancing inclusivity in state employment

v. Increasing Labor Force Participation Rate for people with disabilities

4) Challenges to meaningful employment and economic independence

a. Marketplace for employment of PWD

i. Number of jobs

ii. Barriers

1. Need for accomodations

2. Addressing biases

b. Identify systemwide incongruence and inefficiencies in service delivery.

i. Problems with laws, rules, regulations

1. Access, eligibility

2. Funding Issues

ii. Transportation (Identify barriers and obstacles in transportation for persons with disabilities living in the home or receiving community-based services for jobs, medical appointments, and peer-to-peer groups.)

1. FL Commission on Transportation Disadvantaged

iii. Other issues

1. Housing

2. Accommodations, assistive tools/systems

3. Shut Ins (Identify opportunities for job coaching and community participation supports, including those opportunities for individuals who cannot, or choose not to, enter the community because of underlying issues.)

c. Other Gaps, Issues

i. Caregivers

1. Training, Support, Respid

2. Aging Families and aging adult children with intellectual and developmental disabilities

a. Aging in place strategies

b. guardianship & ongoing support

ii. Identify workforce issues related to direct-support professionals, behavioral or mental health specialists, health care practitioners, and other individuals who assist with the provision of services to persons with disabilities.

SOLUTIONS – NOW WHAT (Examine the best practices for uniform and efficient service delivery and the coordination of and transition among systems, including transitioning out of high school.)

1) Collaboration

a. Employment First is…

i. “national systems-change framework centered on the premise that all individuals, including those individuals with the most significant disabilities, are capable of full participation in Competitive Integrated Employment (CIE) and community life. Under this approach, publicly-financed systems are urged to align policies, regulatory guidance, and reimbursement structures to commit to CIE as the priority option with respect to the use of publicly-financed day and employment services for youth and adults with significant disabilities.”

ii. Florida

1. interagency cooperative agreements

2. Accountability measures developed by Employment First organizations5

a. Number of applicants compared with number of successful placements (VR)

b. Percentage of individuals who completed workforce program who found employment after services (Career Source)

c. Average wage

d. Average hours of worked per week

3. Impact of Employment First on People with Developmental Disabilities (pre 2013-2022)

iii. Other states

b. Collective Impact

2) Work Readiness

a. Transition to Work strategies

i. Per SB 240, specifically consider job coaching and community participation support

ii. Per SB 240, specifically consider opportunities for individuals who cannot, or choose not to, enter the community because of underlying issues

3) Strategies to enhance marketplace for employment of PWD

a. Business Readiness

b. Accommodations, assistance, support

c. Minimize barriers, incongruencies

Subject: FW: The Able Trust - DEAM Celebration Set for September 28 in Tampa

DISABILITYEMPLOYMENT AWARENESS MONTH KICKOFF

The Able Trust is excited to bring our2023 Disability Employment Awareness Month (DEAM) celebration to Tampa! This year, our theme for DEAM is Fueling Workplace Ambition, a reflection of the drive and motivation of Floridians with disabilities to begin or advance infulfilling careers.

We look forward to welcoming area businesses, human resources professionals and localpartners to a lively breakfast discussion featuring informative presentations, guest speakers, recognition of local disabilityinclusive businesses, and much more!

DEAM KICKOFF CELEBRATION

Allison Chase

Thursday, September28, 2023

8:00 - 9:30 a.m.

Location: Tampa - Marriott Water Street

Details on how to RSVP will be sent soon.

We can't wait to see you in Tampa!

The Able Trust is a 501(c)(3) public charity established by the Florida Legislature as a direct support organization for the Florida Division of VocationalRehabilitation. For information, visit www.abletrust.org. The Able Trust | 1709

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