CLC Incorporated Financial Services Division

Financial Coaching and Worksite Classes

for ValueOptions

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Today we’ll talk about…

CLC: A company overview Legal and financial services Worksite classes

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CLC service and support for Value Options Legal and mediation referrals Financial coaching services ID theft services Worksite classes Online legal library and forms Online financial library, forms and

calculators

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CLC services are available to assist employees throughout the United States, Canada and Puerto Rico with their legal and financial issues.

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CLC Legal Referrals

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CLC Financial Coaching Division

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Employee financial problems impact employers 54% of the workforce worries about debt. 53% are dissatisfied with their finances. 34% rate their financial stress “high” to

“extreme.” 66% deal with financial issues at work. 33% concede that money stress hampers

their job.

- Virginia Tech University research

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The need for financial coaching

75% of US households do not have access to a financial advisor (Forrester).

Some pension plans have been eliminated. Many employees feel they cannot afford to

contribute to their retirement program. Increased medical claims due to financial

stress. Low personal savings; high consumer debt.

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CLC’s staff model approach

Financial coaches are in-house experts. Financial coaches have various

backgrounds including financial planning, banking, investments and taxes.

CLC staff of “seasoned experts” average, 14 years experience in financial services.

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Our most requested financial services Debt management Developing a spending plan Hardship counseling Credit report/credit score consultations Tax planning Retirement planning Education planning

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Spending PlanDebt Management

Financial Call Intake Flow(This information represents a sampling of the many topics CLC Financial staff can address).

CLC Financial, “How may I help you?” then listen for…

CSR Intake, “What can we do for you?” then listen for…

Financial Issue? Yes

Hardship Credit Tax Education Planning

Retirement Planning

Legal Issue?

Type of Financial Issue?**

**These are the top 7 financial consultation topics requested. Financial consultations may cover additional topics not listed here.

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Debt management

How to communicate with creditors Does refinancing debt makes sense? Credit counseling services Alternatives to bankruptcy

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Developing a spending plan

Designing your personal spending plan Building an emergency fund Saving money on every day expenses Setting financial goals

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Hardship counseling

Suggesting community resources. Developing strategies for negotiating with

creditors, landlords and utility companies, as needed.

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Credit report/credit score consultations 79% of credit reports surveyed contained

either serious errors or other mistakes. www.uspirg.org (Federation of State Public Interest Research Groups).

CLC Financial coaches provide step-by-step advice regarding how to get your credit report, resolve errors and rebuild credit.

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Tax planning

Answers to tax questions Tax planning services Access to discounted tax preparation

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Retirement planning

Saving enough for retirement needs to be a key financial objective.

A CLC retirement consultation provides an analysis of existing sources of retirement income, as well as the impact of taxes and inflation, estimated retirement expenses and anticipated retirement date.

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Education planning

The CLC college planning consultation provides an analysis of current education investments in light of future education expenses, taxes and inflation.

Recommendations are made regarding additional funding needed, accounts available for education investing, as well as sources of loans and grants.

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Worksite classes

CLC is excited by the increasing demand for financial classes.

The classes are fun and educational. Attendees leave with valuable “tools” to

respond to the day-to-day challenges of managing their finances.

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Financial classes are cost effective! Financial counseling and worksite

classes save the employer thousands of dollars each year!

Research has shown employers benefit from workers improved financial well-being through improved productivity and lower health care costs.

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Did you know?By participating in financial education classes, employees on average show an increase in net worth of 18 – 20%

Source: Saving and the Effectiveness of Financial Education

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Financial Coaching Create and accomplish goals. Increase self-confidence and make

financial decisions more easily. Get through financial road blocks and

challenges. You and your partner are more likely

to work together regarding finances!

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“According to industry research, coaching helps people organize their increasingly complex lives, providing focus, a clear direction for setting goals, and the ability to develop meaningful action plans.”

Source: “E-Coaching” by Merry Lee Olson

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Thank you for your interest in CLC Incorporated.

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The information presented is not to be a substitute for seeking advice specific to your situation from a legal or financial professional. If legal or financial advice is required, contact an attorney or financial advisor.

The content hereof, together with any attachments, are subject to Federal and State Copyright and Trademark protections. This content may not be used, reproduced or distributed in any manner, in whole or in part, without the prior written consent of CLC Incorporated.