1. Make an Appointment

    The first step is usually the hardest, but in this case it’s easy. No matter what your challenge, or even if you’re not sure what your challenge is, make an appointment and we’ll talk through it.

  2. Intake

    All of our counseling is grounded in empathy. We want to understand what’s going on in your financial life. We’ll ask you questions about your goals, your challenges, and your current situation.

  3. Create an action plan

    Once we know what you’re working towards, our certified financial counselors will help you create an Action Plan: a written, step by step guide to reaching your financial goals.

  4. Check In

    An Action Plan is your roadmap, but it still helps to have a friend along the way. Our counselors care about your goals, so we check in regularly to make sure you’re on track and to help you with whatever else you may need.

  5. Repeat as Needed

    Reaching our financial goals is usually not easy. We’re here to help you no matter how much help you need – which is why there are no caps on the number of sessions you have with one of our counselors.

Equal Access

  • Clarifi is committed to ensuring that no consumer shall be denied services due to special needs and is committed to maintaining facilities to accommodate those with special needs.
  • Clarifi will offer remote counseling options to those with an inability or the lack of means to travel to one of our office locations.
  • Clarifi will make arrangements to provide translators or interpreters when needed. For clients who require services in languages not spoken by Clarifi staff members, Clarifi will work with Language Services Associates, which is an over the phone translation service that would allow Clarifi to conduct your session in your preferred language. Our objective is to ensure effective communication with clients and their authorized representatives with respect to our services and programs. All interpreters, translators and other aids needed to comply with this objective shall be provided without cost to the person(s) being served.

Getting Ready for your Appointment

Now that you’ve booked an appointment, here’s what’s next:


Be on the lookout for your Clarifi Welcome Packet which includes everything you need to prepare for your appointment. If you gave us an email address, you will receive your welcome packet in your inbox the same day. If you don’t have an email, we will mail the package to you.


Start assembling the documents requested in your welcome packet. This may include paystubs, social security award letters, credit card and bank statement, utility bills, your photo ID, and more. You will need to either bring your documents in-person or send them via email to OR via fax to 215-563-7020. Requested documents are necessary for completing some service types, including housing counseling. Income verification may be used to determine eligibility for a fee waiver.

Learn to send PDFs from your mobile phone here.

Email Docuements


Confirm your appointment location in your welcome packet. A list of our locations can be found here. If completing your appointment over the phone, make sure to find a quiet spot where you will not be disturbed. Don’t forget to charge your phone beforehand!


Financial Empowerment

A relationship-based approach to counseling, coaching, and asset-building activities that helps clients achieve their self-set goals.

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Housing Success

Targeted interventions and case-management style counseling that helps clients find and stay in a safe, secure, and sustainable home.

Learn More