Financial distress can feel overwhelming, and we understand how difficult it can be to face money challenges without support.

At Elements Money, we specialize in helping individuals who are already in a stable financial position optimize their financial health. However, we recognize that not everyone is in that place yet, and finding the right resources can make all the difference.

The encouraging news is that there are incredible free programs specifically designed to provide one-on-one financial help for those working to regain their footing.

To help, we’ve compiled a list of trusted resources so you can connect with the support you need and deserve as you work toward financial stability and peace of mind below.

Financial Planning Association Pro Bono Program

The Financial Planning Association (FPA) offers free financial planning services to individuals and families facing financial challenges. Certified financial planners volunteer their time to help you tackle issues like budgeting, debt management, and savings strategies.

👉 Visit FPA Pro Bono Program to find help in your area.

Advisers Give Back

This nonprofit program connects you with fiduciary financial advisers who offer free coaching. Advisers Give Back is designed to help individuals with moderate income establish healthy financial habits, set goals, and plan for the future.

👉 Check out Advisers Give Back to schedule a session.

Foundation for Financial Planning (FFP)

The FFP Pro Bono Program pairs you with financial professionals who specialize in helping underserved populations, including those experiencing a financial crisis. Services include creating budgets, building savings, and navigating unexpected financial hardships.

👉 Learn more and apply at FFP Pro Bono Program.

Savvy Ladies

Savvy Ladies focuses on empowering women with free financial education and guidance. They offer a helpline staffed by volunteer financial professionals who can assist with everything from credit card debt to retirement planning.

👉 Call or submit a request for help at Savvy Ladies.

Women’s Money Matters

This organization provides free financial coaching and workshops specifically tailored for women. Programs are designed to help participants improve their financial literacy, gain confidence, and achieve their money goals.

👉 Join a program through Women’s Money Matters.

Volunteer Income Tax Assistance (VITA) Program

Need help filing your taxes? The VITA program offers free tax preparation for individuals with low-to-moderate income, seniors, and those who speak limited English. IRS-certified volunteers ensure you get the deductions and credits you’re entitled to.

👉 Find a local VITA site through USA.gov.

211 Helpline Financial Assistance

The 211 Helpline connects you with local resources for financial counseling, emergency funds, and other critical services. This service is available nationwide, 24/7, and covers a wide range of needs beyond financial coaching.

👉 Dial 211 or visit 211.org to explore services in your area.

Bonus Tip: Some libraries, community centers, and faith-based organizations also provide free financial workshops or connect you with local experts. Don’t hesitate to explore these resources for additional support.

Take the First Step Toward Financial Wellness

Your financial health is just as important as your physical health, and seeking help is a sign of strength.

These free resources can provide the guidance and encouragement you need to take back control of your finances.

Start small, stay consistent, and remember: you don’t have to do this alone.