S.A.C. Financial Clinic improves financial security for working poor individuals, immigrants and refugees as well as all Americans who are often under-served, marginalized and neglected by financial institutions and over-burdened governmental agencies —The working poor often are those who fall into the wage gap—earning too much for public assistance but too little to be self-sufficient. The immigrant and refugee communities often lack education, language and cultural support and accessibility to mainstream society and systems.

What Are the 6 Pillars of Financial Security?

  1. Assets/Investments
  2. Banking/Credit
  3. Debt/Money Management
  4. Risk Management/Legal Services
  5. Taxes/Estate Planning
  6. Financial Planning/Financial Literacy

Setting and working toward sound financial management goals in all of these areas can make a significant difference in our community members' lives and help them achieve financial self-sufficiency and mobility.

  • ASSETS/INVESTMENTS: We build our customers’ assets by working with them to create and implement plans for consistent savings- a nest-egg that is a foundation of building capital and leveraging these capitals toward diversified investment vehicles . We increase their income by first educating them how to take control of their own money, increase their income potential by acquiring more marketable skills and/or starting their own business and lastly, by accessing employee benefits and public-funded supports. Wealth is not just based on income earned but also the ability to build and gather assets, increasing net worth, understanding time value of savings and investments.
  • BANKING/CREDIT: We connect customers to low-cost, mainstream banking services and help them lower their use of expensive fringe financial services. We increase customers’ credit scores by addressing negative information on their credit reports and helping them build a solid credit history.
  • DEBT/MONEY MANAGEMENT: We help individuals reduce their debts through financial education, effective financial planning as well as proactive advocacy with creditors such as banks and financial institutions. There are no silver bullets or one rigid formula to good debt and money management. The solutions, though personalized, are at times unconventional and dynamic and go beyond just common sense and having a plan, it also involves mutually beneficial and vested relationships between a competent advisor and a concerned client . Good debt management is 80% behavior and 20% head knowledge. It never ceases to amaze us to see people change their lives through simple determination and having a plan that works every time.
  • RISK MANAGEMENT/LEGAL EDUCATION: The process of risk management is designed to reduce or eliminate the risk of all kinds of events (financial, economic, social) happening or having an impact on the individual, family and business. Life if full of uncertainties and they said to have various element of risks- Some of these risks include strategic failures, operational failures, financial failures, market (stock/housing) disruptions, environmental disasters, and regulatory violations. As prudent and informed advisors, we are fully aware that an equally important part of financial planning is the implementation of strategies and protocols to mitigate and prevent risks and liabilities as much as possible. Legal education is central in advancing our economic prosperity, in addition to maintaining our social stability and building a more just society.
  • TAXES/ESTATE PLANNING: We ensure that members receive their tax credits, and we help them plan to save a portion of their refunds for long-term goals. Beyond just a big refund, we educate our members how to save and invest their refunds and understand how tax credits and deductions can best be maximized. And no matter how large or how modest , everyone has an estate and it’s important to ensure that your wishes are carried and to provide instructions to determine the who, what, when questions arise. Estate planning is for everyone, especially for families with modest assets, because they can afford to lose the least.
  • FINANCIAL PLANNING/FINANCIAL LITERACY: Each day we find more and more evidence of a positive association between financial literacy and net worth and the development of a savings plan has been shown consistently a key factor to boosting wealth. We truly believe in the importance of understanding concepts, tools and strategies of comprehensive financial planning and effective implementation of the financial plan is the key to financial well-being. Planning helps individuals build savings for life goals and creates a roadmap towards actionable and measurable strategies and behaviors. Overall, greater financial knowledge and literacy, effective planning tools and improved money management support will better prepare individuals to confront important financial issues so that they are empowered to make their own financial decisions that affect them, their family and business.

We undertake projects where we can find customers in the best position to succeed and where we can add the most value by partnering with financial professionals, attorneys, community leaders, volunteers/students and other organizations that not only have already identified a strong need for financial development services and are also willing to collaborate and support all the participants to reach a common goal and vision. We believe in the American Dream and willing to help all Americans create their own Stimulus Plan.


These current and growing projects represent the core of our mission:

  • It Takes A Village- Community's Future- Business Profitability.
  • MyTrueCost- Beyond Tax Planning, Understanding Hours Worked and Wages Earned.
  • Consumerism Vs. Consumption- Behavior Change Starts With Mind Set.
  • Making Small Businesses Bankable-Access to Capital is Asset of Credit.
  • Money Management -Addressing Year-End Tax Season "Why Are We Broke?"
  • Making Cents Into Dollars- Time Value of Money and Financial Literacy
  • Entreprenuership- Legacy Building With Immigrant Values And Work Ethic
  • Tax Planning is Asset Building.
  • Financial Well-Being -Multicultural and Cash-Based Community.
  • LegalSolutions -Advancing Economic Prosperity Justly.
  • AdvisorsUnitedForABetterTomorrow.
  • Making Your Tax Refunds Last A Lifetime.
  • What's Your Financial Plan? 2014 Reflects 2013 And Before.
  • Decisions Have Consequences- Who Do You Talk To?
  • Financial ToolKits- Real Wealth Starts With Knowledge And Control.