Welcome to the Financial Wellness Center

Credit reports and scores, credit vs. debit cards, reading your credit report, plus more.

• Credit vs. Debit Cards
  Credit and debit cards each have pros and cons. When should you use each?
• Credit Reports and Scores
  Credit reports and scores determine the rates you pay when borrowing and can affect your ability to get certain jobs.
• Risks and Benefits of Credit Cards
  Credit cards offer benefits for many consumers, but it's important to understand the risks of unsecured credit.
• Building Credit
  Understanding the decisions and behaviors that can lead to improved credit scores.
• Understanding the Credit Card Act of 2009
  How the new regulations work to protect card holders.
• Reading Your Credit Report
  A detailed description of what to expect and look for when viewing a credit report.

What you need to know to start making a long-term financial plan, from getting married to planning for retirement.

• Financial Planning
  Learning the "how" and "why" of short, medium, and long-term financial planning.
• Medical Care Planning
  How to make sure your wishes are followed in a medical crisis.
• Estate Planning
  Wills, trusts, and other end of life issues.
• Creating a Will
  A will is the cornerstone of the legal framework of an estate plan, and everyone should have one.
• Powers of Attorney
  Everyone faces the possibility of temporary or permanent incapacitation. Make sure your wishes are followed.
• Talking About Money
  A look at some of the financial considerations of getting married.
• Planning for the Unexpected
  Planning for unexpected events, including accidents, death, and even the possibility of divorce, are all part of a responsible marriage.

Financial decisions almost always involve a trade off - getting something now usually means giving up something else.

• Choices About Money
  Financial decisions almost always involve a trade off - getting something now usually means giving up something else.
• Financial Values
  While each of us may have different values, we all make financial decisions based on them.
• Setting Financial Goals
  Setting financial goals gives us the chance to step back from everyday pressures, allowing us to think about how we’d like to be rather than as how we are.

Understanding the common types of insurance, including auto, renters, health, plus more.

• Insurance
  Understanding how insurance plays an important role in our financial lives.
• Auto Insurance
  A review of the major types of auto insurance, factors influencing cost, and choosing a policy that's right for you.
• Life Insurance
  Who needs life insurance, types of policies, and how to determine coverage.
• Renter's Insurance
  Understanding the benefits (and potential pitfalls) of this type of inexpensive insurance.
• Health Insurance
  The various health insurance choices.
• Disability Insurance
  The benefits and costs of these often complex policies.