Financial Empowerment                 

"The widespread deficit in financial literacy has raised much concern among government agencies, policymakers, and leaders in the community and business sectors. There are several reasons for this concern. First, the number and complexity of available financial products have increased dramatically in the past two decades, effectively transferring a higher financial responsibility and risk burden to the consumer."

             -National Financial Capability Strategy

Personal finance education and financial counseling help people acquire the knowledge and behaviors to make informed, qualified financial decisions about their money.

Financial Counseling

We offer complete, individualized, and comprehensive personal financial counseling.

Comprehensive Personal Financial Counseling  

Financial Counselor and Financial Education Specialist. Working with individuals, couples, and families to help them learn better personal financial management. Guiding clients, no matter their financial situation, through the life cycle of financial counseling to help them realize their goals and achieve lasting economic and financial well-being.

We also realize clients may not need comprehensive personal financial counseling but work on different parts of their financial plan.

Individualize Services 

Budget Planning

The budget unit helps participants understand positive budgeting and spending habits. Then, through practical scenarios, participants will learn to create monthly budgets, which can help them free up money for a long-term savings plan.

Saving Planning 

After creating a solid budget, participants will establish their saving goals in this unit. Setting aside money from every paycheck builds a solid foundation for developing future wealth. Then, divide your savings into their specific categories: emergency fund, fun fund, and long-term savings fund.

Debt Planning

The unit designed to help participants utilize The Cash Flow Maximizer System is similar to a bi-weekly monthly payment but works much better. It is a straightforward process requiring a simple calculator and some administrative work. As a result, you can use this system to pay off your mortgage and any other debt in a fraction of the time while dramatically reducing your interest expense and increasing your credit rating (FICO score) at the same time.

Account Management

In the unit will be introduced to the banking process. Participants will learn how to locate a bank or credit union with which participants want to do business, what accounts participants should open, and how to handle those accounts professionally.

Understanding Your Credit Profile

Participants will identify the correlation between their credit history and financial reputation in this unit. They will also develop a basic understanding of credit history and how to maintain, build or repair their credit.

Financial Literacy Education

Our financial literacy programs specifically focus on necessary personal finance skills relevant to college students, high school students, middle school students, and adults. In addition, we offer complete financial literacy curriculums to high schools, elementary schools, schools PTA's,  adult workshops, and seminars to churches and organizations.

"Savings a SMALL amount soon builds up to a large amount." -Scottish Proverb