Financial Coaching
Get free financial coaching at Embers! Boost your credit score, tackle debt, and plan for your future with personalized guidance from certified experts.
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Wherever you're at in your financial journey, we're here to help.
Feeling stretched, saving less, or facing financial uncertainty? Whether it’s tackling debt, improving your credit, or navigating challenges, our Certified Financial Counselors are here to guide you. Let's light the path to financial success together!
Budgeting
We’ll work together to craft a personalized spending plan, build or enhance your savings habits, and take a closer look at your spending and saving behaviors to set you on the right financial path.
Credit Score Help
Take charge of your credit by using simple, practical tips to boost your score, building stronger credit step by step, and gaining a clear understanding of how credit scores work. Plus, learn how to access yours with ease—because understanding and managing your credit should feel effortless and empowering.
Future Planning
Chart your own path—map out a route to homeownership, save for retirement, plan for your next chapter, or focus on higher education. Thoughtful planning makes it all achievable.
Navigating Bankruptcy
Navigate bankruptcy with ease by gaining a clear understanding of the process and knowing what to expect at every step. Together, we’ll help you rebuild your financial footing with confidence and find clarity as you move forward.
Debt Support
Take control of your finances with expert guidance on managing credit card and medical debt, or explore debt consolidation options tailored to your needs. Together, we’ll create a clear path toward financial stability and peace of mind.
Identity Theft & Fraud
Protect yourself from identity theft and fraud with the tools to spot warning signs and act fast. If fraud occurs, we’ll provide the guidance you need to repair your financial health and regain control with confidence.
Financial Hardship
We’re here to support you through challenging times like eviction, foreclosure, or repossession. Whatever your situation, you can count on us to listen, understand, and help you find a way forward.
When you’re ready, we’re here.
Financial guidance services that are free, approachable support, and designed just for you—because every ember (and member) has the potential to spark something great.
FINANCIAL CALCULATORS
Crunch some numbers.
Access our library of over 30 financial calculators that will help you on a variety of financial topics including:
- Auto Loans
- Credit & Debt
- Mortgages
- Budgeting
- Savings & Taxes
- Retirement
Need your assets managed?
Meet with our Financial Planner who can meet with you at our Baraga Ave & Wells Offices.
Meet with our financial advisor
Geno P. Maino
Helping you reach your financial goals by carefully developing a plan that aligns with your specific needs, experience, and time horizon is an honor and my highest priority. Working together, we will create a customized plan to help achieve three key financial goals:
- Wealth accumulation during your working years.
- Security and independence in your retirement.
- The transfer of assets in the most advantageous manner.
Questions?
We have answers.
How much does it cost to use these services?
Absolutely nothing—it’s totally free for members. No catch, no fees, no fine print. Just honest, helpful support to get you where you want to go.
What if I don’t even know where to start?
That’s why we’re here! Whether you’re overwhelmed by debt, confused about budgeting, or just have questions about money, our counselors are pros at helping you untangle the knots and build clarity.
Will my discussions with a coach remain private?
Every conversation you have with our Financial Coaches stays between you and them. No judgment, no gossip, just secure, professional guidance.
What exactly do financial counseling services include?
A lot more than you might think! From helping you budget and save smarter to tackling debt, boosting your credit score, or even planning for big milestones like buying a home or saving for retirement, we’ve got your back.
Who provides these services?
Our Financial Coaches are trained pros who know their stuff. They’re patient, knowledgeable, and ready to help you tackle your financial challenges with confidentiality and without judgment.