Working with an AFC®: How Financial Counseling Can Help You Reach Your Goals 

By: Amy Miller, AFC® 

When it comes to personal finance, many people feel overwhelmed, uncertain, or simply don’t know where to start. Whether it’s tackling debt, creating a budget, saving for a home, or planning for retirement, financial decisions can be complex and can feel a little daunting. An Accredited Financial Counselor® (AFC®) can help! These financial professionals work to provide expert guidance and practical strategies to assist with navigating your financial journey with confidence.  

What Is an AFC®? 

An Accredited Financial Counselor® is a trained professional who helps individuals and families navigate financial challenges, develop healthy money habits, and achieve their financial goals. Unlike financial advisors who focus on investments, AFCs specialize in day-to-day money management, debt repayment, credit building, and overall financial well-being. 

How Can an AFC Help You? 

No matter where you are on your financial journey, working with an AFC can provide: 

• Personalized Guidance:

           An AFC works with you to assess your financial situation, identify goals, and create a plan that fits your unique needs.

• Debt Management Strategies: 

            Struggling with credit card debt or student loans? An AFC can help you develop a repayment strategy that prioritizes high-interest debt while keeping up                    with other financial obligations.

• Budgeting and Savings Plans:

            Whether you want to build an emergency fund, save for a major purchase, or simply make your money last longer, an AFC can help you create a budget that                actually works.

• Financial Confidence and Education:

           Many people struggle with financial stress simply because they don’t have the knowledge or tools to make informed decisions. An AFC provides financial                      education that empowers you to make the best financial decisions based on your individual circumstances.

Working With an AFC: What to Expect and How to Prepare

If you’re ready to take control of your finances, finding the right support can make all the difference- and you deserve guidance that helps you feel informed, empowered, and in control.  

Connecting with an AFC is a meaningful and supportive step forward. They work in a variety of settings—nonprofits, community organizations, financial education programs, and even some workplaces—offering trusted, nonjudgmental guidance to help you navigate your financial journey. 

To get the most out of your time together, it helps to be prepared. Gather key documents like pay stubs, bank statements, credit card and loan balances, and a list of monthly expenses. Think about your financial goals, whether that’s building an emergency fund, paying off debt, or creating a budget that works for your lifestyle. And don’t forget to reflect on how you currently feel about your finances and where you could use support. With a bit of preparation and an open mind, you’ll be ready to collaborate with your AFC to create a plan that’s realistic, personalized, and empowering. 

Amy Miller is an Accredited Financial Counselor® and Program Manager with America Saves, a non-profit organization dedicated to motivating and encouraging millions of Americans to save successfully. Visit Amy’s FindAnAFC profile to view her services and connect with her on LinkedIn.