At the same time it makes retirement, estate and other planning available at an affordable cost to the member. No cost to member for initial consultation. Not magic, requires self discipline and sacrifice tempered with the reality of the limits of individuals resources.
Member sets goals, counselor acts as facilitator.
Provides alternate source for non-insured investments. Does not add to the members debt. Educates member in financial realities. Enables member to better use credit and budget. Reduces the likelihood of financial disaster.