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The Financial Counseling Process: What to Expect

Last Updated

December 16, 2020

Written By

Jodi Arbogast

There are a variety of reasons of why members would consider looking into financial counseling. During these uncertain times, Family First is here for you—whether it be during a loss of employment or unexpected life events, we’re here to help you every step of the way. Here are a few things to expect when navigating through the Financial Counseling process. 


Reasons for Financial Counseling 

There are several reasons why individuals may be looking to financial counseling. Some possibilities include: 

  • Improving your credit score 
  • Managing and avoiding debt 
  • Loss of income 
  • Unexpected expenses 
  • Divorce or separation 

If you’re unsure whether you should speak with one of our certified Financial Counselors, we invite you to read our previous article on Financial Counseling: Is it Right for You? 

What to Expect During the Financial Counseling Process 

Financial counseling with one of our certified advisors is a free service available to all Family First members. Each experience is curated to your individual needs, meaning that not each plan is the same for everyone. Here’s what to expect if you are to seek help from one of our experts: 

1. Verbal Conversation 

The first step to this process consists of a conversation between you and a counselor. The goal of this 1:1 is so that you’ll be able to discuss your personal financial situation and can establish the goals you want to meet. Depending on your situation, other resources may be available to you. 

2. Creating a Plan 

Each plan is created specifically to meet your needs. Financial counseling is a process that doesn’t happen overnight. It usually extends over a period of time, and you’re able to decide a realistic goal in which you would like to improve your finances. In your plan, you’ll be able to set immediate and/or long-term goals, budget your cash flows, keep records of your financial activities, and more.  

3. Routine Check-Ins with your Counselor 

Once a plan has been agreed upon, it’s time to carry it out. You and your Family First Financial Counselor will be meeting routinely to assure that you’ve been on track with your tasks and are on the way to meeting your goals. Your counselor is available to you every step of the way—whether you have unexpected setbacks or have any questions throughout your journey, we’re here for you. 

Start Achieving Your Financial Goals Today 

Ready to take the first step in getting your finances back on track? We’re here to help! Learn more about our Financial Counseling Process here or speak with one of experts. 




Jodi has been working with Family First for 13 years. During her time at the credit union, she has worn many hats from Financial Service Rep to Branch Manager. Currently, she is a Loan Officer as well as a Financial Counselor and has been a certified Financial Counselor for the past 6 years. Jodi loves that this hat allows her to live the Credit Union philosophy of “People helping People” on a daily basis.

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