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Analysis of the Current Financial Situation

  • Establishing the client/counselor relationship
  • Income and expense analysis
  • Calculation of the client’s debt-to-income ratio
  • Calculation of net worth
  • Counselor notes and summary

Examination of the Factors that Caused the Current Condition

  • Destructive spending habits/poor financial planning
  • Loss of income
  • Unexpected large expenses
  • Failed small business
  • Other issues
  • Counselor notes and summary

Exploration of the Alternatives for Resolving the Current Financial Condition

  • Budget Counseling
  • Consumer Proposals
  • Self-Directed Debt Repayment Plans
  • Debt Management Plan
  • Debt Consolidation Loan
  • Home Equity Loan/LOC
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Counselors notes and summary

Development of a Plan to Respond to the Current Financial Situation

  • Development of an Action Plan
  • Development of a viable spending plan
  • Development of a plan to avoid future financial dilemmas
  • Compilation of resources and referrals

A Few Ways To Implement

University

  • Student Financial Guidance
  • Efficient Data Collection
  • Real-time Financial Analysis
  • Integrated Financial Education
  • Alumni Financial Support

House of Worship

  • Member Financial Counseling
  • Pre-session Data Collection
  • Real-time Financial Analysis
  • Financial Education Programs
  • Community Financial Support

Community Based Organization

  • Client Financial Counseling
  • Efficient Data Collection
  • Real-time Financial Analysis
  • Financial Education Workshops
  • Community Financial Support

Employee Assistance Program

  • Employee Financial Counseling
  • Pre-session Data Collection
  • Real-time Financial Analysis
  • Financial Wellness Workshops
  • Employee Financial Support

Key Functionality

Accessible over the Internet from any device

Ability to send a link for clients to complete demographic and income and expense information prior to the session

During the session review and compare with credit report and statements

Allows counselors to take notes and collect additional information to open-ended questions

Integrated calculators for gathering information and making projections

Stored data for easy retrieval and analysis

Integrates with most customer relationship management platforms, including ZOHO CRM, to create a complete business platform

Subscription Benefits

Assist clients in evaluating their spending habits and identify areas for financial improvement

Educate clients on credit scores to improve their creditworthiness

Analysis of monthly spending, discretionary income, debt-to-income ratio, and net worth

Assess the available options and programs for student loan repayment plans that align with the client’s financial goals and current situation

Ability to gather specific information that the counselor will require through self-directed sessions. By utilizing this approach, counselors can effectively manage their clients’ needs and improve the quality of care provided

Develop an efficient action plan to effectively alleviate debt, facilitate home ownership, and pursue academic endeavors