Welcome to Financial Services, LLC

Educational Links

One of the best things you can do is educate yourself on the different financial options you have available to you.



Website from Equifax, Experian, TransUnion

This is the only source to get free credit reports authorized by federal law. This law requires each of the three largest consumer credit reporting agencies to give you a free copy of your credit report every 12 months.


CFTC SmartCheck

Website from Commodity Futures Trading Commission

Run by the U.S. CFTC, SmartCheck connects investors to tools to check the registration, license, and disciplinary history of certain financial professionals.

FINRA Professional Designations Database

Website from FINRA

Decode the letters that sometimes follow a financial professional’s name. You can also see whether the issuing organization requires continuing education, takes complaints or has a way for you to confirm who holds the credential.

FINRA Broker Check

Website from Financial Industry Regulatory Authority

Search for broker dealers to confirm they are properly registered and check their disciplinary histories.


Website from FINRA Investor Education Foundation

Unbiased financial tools and information for investors, with special information for military families and help for investors to avoid investment fraud.


Website from Securities and Exchange Commission

A site to help investors at all experience levels understand how to invest wisely and avoid fraud.

How Diversification Decreases Risk

Video from Financial Literacy Center

To protect your retirement savings, you need to choose a range of investments to avoid the risk of a single asset losing value.

How Tax-Advantaged Accounts Build Assets

Video from Financial Literacy Center

Saving your money in a tax-free or tax-deferred Roth IRA or 401(k) retirement account will allow you to accumulate funds more quickly over time.

How to Spot an Investment Scam

Video from FINRA Investor Education Foundation

Investment fraud criminals use a wide array of sophisticated and highly effective tactics to get people to part with their money. Learn how to spot those techniques and help protect not just yourself but friends, neighbors and family members.



Website from Department of Treasury, HUD

The Making Home Affordable Program (MHA) ® is a critical part of the Obama Administration’s broad strategy to help homeowners avoid foreclosure, stabilize the country’s housing market, and improve the nation’s economy. Find a Housing Counselor

Website from CFPB

This online tool uses information from the Department of Housing and Urban Development (HUD) to find HUD-certified housing counselors near you. HUD counselors can provide advice on buying a home, renting, defaults, foreclosures, and credit issues.


Build a Million Club

Website from 4H

Target audiences: Teens, young adults

Feed the Pig

Website from American Society for Certified Public Accountants

Target audience: Young adults

Financial Entertainment

Website from Doorways to Dreams (D2D) Fund

Target audiences: High school and college students and younger adults

For Me, For You, For Later

Website from Sesame Street

Target audiences: Young children and parents

Money as You Grow

Website from CFPB

A resource for parents and caregivers that identifies key stages of childhood financial development and provides essential and age-appropriate money lessons that kids need to know.

Right on the Money

Course from Penn State Cooperative Extension and Pennsylvania Office of Financial Education

A four-session course that uses fun children’s books to introduce children to key financial concepts. It also provides parents with tools and information to reinforce their own financial knowledge as well as positively influence their children’s future money management skills.

NEFE High School Financial Planning Program

Course from National Endowment for Financial Education

A turnkey financial literacy program offered in partnership with the U.S. Department of Agriculture National Institute for Food and Agriculture (USDA NIFA) through participating Land-Grant University Cooperative Extension Services (CES) and the Credit Union National Association, Inc. (CUNA).

Elementary School Economics

Course from Federal Reserve Bank of St. Louis

Personal finance and economic lessons are paired with popular children’s books. Librarians can read the book to the children and follow the reading with discussions about money decisions, saving, spending, choices, needs and wants and much more. Includes lesson plans and handouts.


Military OneSource

Website from Department of Defense, Military Community and Family Policy, and USA.gov

This site helps military members and their families get their finances in order and plan for a healthy financial future.


360 Degrees of Financial Literacy

Website from American Society for Certified Public Accountants

This site focuses on financial education as a lifelong endeavor—from children learning about the value of money to adults reaching a secure retirement.

Ballpark E$timate, Choose to Save

Website from Employee Benefit Research Institute’s Education and Research Fund

The Ballpark E$timate is an easy-to-use worksheet that helps you approximate how much you need to save to fund a comfortable retirement.

Social Security Retirement Estimator

Website from Social Security Administration

The Retirement Estimator gives benefits estimates based on your actual Social Security earnings record.

Student loans

Paying for College

Website from CFPB

Tools and information can help you make better informed decisions.

Federal Student Aid

Website from Department of Education

Get information about preparing for college, types of federal aid, how to apply for aid using the free application for federal student aid (FAFSA); and your loan repayment options.

Federal Student Aid – Financial Aid Toolkit

Website from Department of Education

The Financial Aid Toolkit provides federal student aid information and outreach tools for counselors, college access professionals, nonprofit mentors, and others.

General financial topics


Website from General Services Administration

The official web portal of the U.S. government. USA.gov contains timely and valuable government information and resources on a variety of topics including consumer protection, small business, benefits, health insurance, taxes and more.


Website from Department of Treasury

Publications, information and tools from more than 20 federal agencies that make up the Financial Literacy Education Commission.

ALA Financial Literacy Guide

Website from American Library Association

This guide lists materials and resources about personal finance suitable for public libraries. The guide helps to address gaps within the personal finance collections of public libraries and, ultimately, enhance financial capability in the community.


Website from National Credit Union Administration

The National Credit Union Administration’s consumer protection website MyCreditUnion.gov, and its financial literacy microsite, Pocket Cents, offer a variety of educational information, resources, and articles designed to help individuals make smarter financial decisions.

Money Smart

Website from Federal Deposit Insurance Corp.

A comprehensive financial education curriculum designed to help people improve their financial skills and create positive banking relationships.


Website from Federal Trade Commission

Includes easy-to-read and understand resources for basic money management, credit, scams, and ID theft.

Submit a complaint

Website from CFPB

about consumer financial products and services.


Website from CFPB

Provides answers to common money questions.

Employee Benefits Security Administration Consumer Assistance

Website from Department of Labor

Provides answers to questions about workplace benefits, and offers links to assist you if you believe you have been denied a health or retirement benefit inappropriately.

Better Money Habits

Video from Khan Academy

Khan Academy videos on a variety of financial education topics, from basic money management to credit and debt management, to long-term savings and more.

How an Employer Match Boosts Savings

Video from Financial Literacy Center

If your employer provides a match to what you contribute to a retirement account, your assets will accumulate at a much faster rate.

Income Tax Withholding Calculator

Internal Revenue Service

Are you withholding to much or too little from your paycheck? Did you get married, divorced or have a child? Use this calculator to determine whether or not you need to file a new W-4.


Course from Federal Reserve Bank of St. Louis

An online learning platform for more than 25 courses about money, financial decisions and economics. Register free to access the full list of courses. Instructors can select courses for their online “classrooms,” hold online discussions with classroom students, view progress, and present poll questions or surveys.

Money Smart

Course from Federal Deposit Insurance Commission

A comprehensive financial education curriculum designed to help low- and moderate-income individuals outside the financial mainstream enhance their financial skills and create positive banking relationships.

Money Smart for Older Americans

Course from CFPB, FDIC

An instructor-led training developed jointly by FDIC and CFPB, this module provides awareness among older adults and their caregivers about how to prevent elder financial exploitation and to encourage advance planning and informed financial decision-making.

NEFE Financial Workshop Kits

Course from National Endowment for Financial Education

Customizable workshop kits focus on varied—yet specific—audiences. The 10 main topic areas offer resources and information specific to people’s income level, stage of life, or unique situations.

Take Charge Today

Course from Take Charge America Institute, University of Arizona

A program and curriculum with a decision-based approach to personal finance that provides a consistent framework for thinking through financial choices in order to improve well-being.

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