A financial counselor can help you:

• Create a picture of your financial situation.
• Demystify credit reports, scores, what creditors look for, and how to improve credit.
• Identify available solutions to solve financial issues such as:
  • Unmanageable bills and missed payments
  • Large debt balances
  • Loans in default or collections
  • Student loan issues
• Clarify what options are available to help achieve your financial goals such as:
  • Creating savings
  • Repaying credit cards and loans.
  • Buying a house and affording homeownership expenses.
  • Managing student loan problems
• Make a spending plan that works for the your unique needs and can help you achieve your financial goals.

At CLEAR, counselors help clients create strategies that work for LGBTQ households’ unique financial needs and goals.

• Savings and spending plans for:
  • Gender confirmation treatments, hormones, and name-change court costs.
  • Parenting expenses such as adoption, IVF, and Surrogacy
  • Managing income and spending in unmarried and polyamorous (3+) partnerships.
• Planning financial obligations and benefits for unmarried partners, polyamorous relationships, and non-legally related “chosen family.”
• Referral to LGBTQ competent and friendly professionals for clients with specific financial needs:
  • Family law and estate professionals.
  • CFPs and CFAs for investment and financial advice.