Financial Consultation

 In addition to providing you with free counseling through your EAP, most employers also provide you with free Financial Consultation as well.btn download orange


They understand that any way they can get you started towards financial well-being will ultimately serve you as well as the employer! We can provide a free 30-minute consultation with a financial expert on a variety of topics:

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  • Debt Consolidation
  • College Financial Planning
  • Retirement Planning
  • Estate Planning
  • Taxes
  • Bankruptcy

Call us to arrange for your free Financial Consultation!

Note: Not all employer groups have this benefit. Please call us for availability.

Examples of the types of matters for which you may use this program include:

• Developing a Spending Planbtn download orange

This service provides analysis of a member’s budget with a goal of developing a realistic spending plan that incorporates current and future financial goals. The analysis will include guidance on maximizing income, reducing expenses, as well as managing the use of credit. See the Creating a Spending Plan Flyer page (link here) or click the "Download Article" button to download the flyer:

• Rebuilding Your Credit - Credit Report Analysis provided

This is an analysis tool that gives an overview of credit report and credit score with tips on strategies to improve your credit score.

• Getting Out of Debt

Service provides an analysis of member’s debt structure to ensure they are managing debt in the most effective way possible. Effective strategies for credit challenges include direct access to non-profit credit counseling services.

• Garnishments

This service offers the member an opportunity to discuss either garnishment prevention or cash flow management in the event a garnishment has occurred. The member will be able to review his or her financial situation with a financial coach, to better understand the ramifications of personal choices, and alternatives, if available.

• Tax Levy/Wage Garnishment Resolution Program

It is estimated that 2%-6% of the employee workforce has received or been threatened with a tax levy on wages. Through our Tax Levy Resolution Program, members will receive a free 30-minute consultation with a Tax Levy Resolution Specialist who can review their current tax problem. Additional services such as negotiating with taxing authorities, stopping tax collections, interfacing with HR/Payroll, etc. will be provided to the member at a discounted fee.

• Pre-Retirement Analysis

This service provides an analysis of the caller’s retirement goals to see if they have a proper savings plan in place to reach these goals. Clear action steps will be provided to help the caller consider savings or investment strategies.

• 401(k) Analysis

This service focuses on reviewing a callers’ current contributions to their 401(k) plan and the investment choices they are utilizing. The coach will provide clear next steps to evaluate investment options within a plan and/or for determining if the caller’s pace of savings is in line with retirement goals.

• Home Buying Strategies

This service provides guidance and analysis of strategies for buying a home, as well as information on first time homebuyer programs. Provides direct access to a mortgage loan lender.

• Mortgage Counseling

The financial counseling benefit offers objective guidance and information in any area of Mortgage and Real Estate. Whether planning to buy a house or facing losing a home, our financial consultations can provide a wealth of information. Our coaches offer up to date information on topics such as the purchase, refinance, or sale of a home, mortgage loan modifications, foreclosure, or investment properties.

• College Funding Analysis

Provides a hard copy of a financial planning report that analyzes member’s current investments for college in relation to costs for higher education in the future.

• Income Tax Services

Direct access to discounted tax preparation/tax planning services. If tax preparation service is requested, members will receive a preferred discount of 25% off normal fees.

• Student Loan Debt

Service provides guidance on the best ways to reduce debt, repayment options, tax considerations, forgiveness benefits, grace periods and determining whether or not debt consolidation is worth considering.


Financial consultants hold various credentials and certifications, including:

  • ATP® (Accredited Tax Preparer®)

  • Certified Credit Counselor

  • CDFA™ (Certified Divorce Financial Analyst)

  • CFEd® (Certified Financial Educator®)

  • CFP® (Certified Financial Planner)

  • CMPS® (Certified Mortgage Planning Specialist®)

  • CPA (Certified Public Accountant)

  • CPA/PFS (Personal Financial Specialist)

  • CRTP (California Registered Tax Preparer)

  • CSA™ (Certified Senior Advisor)

  • EA (Enrolled Agent)

  • Fair Credit Reporting Act (FCRA) Certification)