Programs that help people who are having difficulty paying their monthly bills gain control of their finances. The process generally involves analysis of the individual's income, expenses, debts, taxes and other factors to create a personal financial assessment; development of a budget for basic living expenses; and agreement on a short-term plan for repayment of creditors which may include debt consolidation or other strategies and a longer term plan for realizing personal financial goals.

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Programs that help people of all ages plan financially for retirement. Services may include a review of existing assets, retirement goals and expected retirement income and assets; analysis of options which may include work-related and individual retirement accounts, investments, savings accounts, trusts, annuities and insurance policies; and assistance in formulating strategies for money management, asset growth and protection, and realistic goal setting based on the client's age, current lifestyle, financial obligations and future earnings potential.

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Programs that provide assistance for individuals who are having difficulty meeting their financial obligations and, as a result, may be faced with bankruptcy or loss of their home or property.

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Programs that provide educational workshops, printed materials, Internet website information or other types of resources for individuals, families, business owners and others that deal with the essentials of money management, asset building and financial independence. A wide variety of money management issues may be addressed including banking services, consumer credit lending, debt consolidation/repayment, bankruptcy, small business development, retirement planning, investment management, savings, risk management, tax and estate law and other similar topics.

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Programs that help people develop a plan for managing their money and that assume responsibility for investing the funds and/or making the payments on the individual's behalf in accordance with the plan.

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