Budget and Money Management Counseling

Member Cost: No Charge

We review your income and expenses, and current debt obligations.  Together, you and your counselor will create a plan of action to help you avoid or reduce debt.

Here’s what to expect at your counseling session:

  • We'll review your expenses and discuss spending recommendations
  • Determine if your income covers essential monthly expenses
  • Review your assets and liabilities
  • Obtain your debt account statements
  • Review options based on your individual financial circumstances
  • Create an appropriate Action Plan to help you reduce and pay off your debt

Health Insurance Options  

Cost:  No Charge

We work with you to provide financial counseling and services to support enrollment in health insurance plans through the Affordable Care Act health insurance exchange for Pennsylvania residents only.

The Healthcare enrollment period is November 15 – January 31.  If you need Medicaid or have had a life event, you may be eligible to enroll in health coverage during the Marketplace’s Special Enrollment Period throughout 2017.


Clarifi College

Member Cost: $175

Through financial aid advising and financial strategizing, we guide students and families through the college planning process so that they make informed decisions that result in a reduced need for student loans.  

Here’s what to expect at your counseling session:

  • Review college selections, net costs, estimated financial aid
  • Review options to pay balance after financial aid
  • Discuss and review post college debt for student and family


Retirement Planning Coaching

Member Cost: $80

Investing and planning for retirement may seem daunting, but it doesn’t have to be. Whether you're navigating Social Security, or need a check up on your 401k, our certified Chartered Retirement Planning Counselors can help you create a path to retirement with both short-term needs and long-term goals in mind.

Here’s what to expect at your counseling session:

  • Prepare your Income Statement and Balance Sheet
  • Talk through your personal retirement aspirations and goals
  • Maximize your retirement investments
  • Review emergency funds, savings, IRA, life insurance, 401K etc.
  • If there’s a gap in your savings, we’ll talk about what kinds of investment options can help you catch up.