Financial Health & Wellness
Financial Counseling & Coaching
Whether you've had a foreclosure, want to buy a house, need to get out of debt, or are having a financial crisis, ESOP's Financial Empowerment Coaches can help you set financial goals and make a plan to achieve them.
0% Interest Small Dollar Loan
Our small dollar loans give you the ability to take a small personal loan for your most important expenses without needing to turn to payday lenders.
Benefits Assessments & Application Assistance
The Benefits Enrollment Center can see if you qualify for the benefits available from more than 1,300 federal, state and local programs like help with utilities, food, transportation, housing assistance, and more.
Connecting Our Seniors to Technology
Our free computer classes can help older adults learn how to use the internet safely and confidently with the support of both technological and financial coaching.
Free Income Tax Preparation
We help individuals of all ages prepare their taxes and get their state and federal refunds free of charge. Spanish language services are available!
Matched Savings Program
The Matched Savings Program helps you build emergency savings together with the assistance of our Financial Empowerment Coaches! We will match $1 for $1 up to $500 after 12 months in the program and all of the program criteria have been met.
Medicare Part D Assistance
Our Medicare and Benefits Enrollment Center has helped thousands of Medicare beneficiaries and people age 55 and older in Northeast Ohio and beyond.
Senior Property Tax Loan
Our Senior Property Tax Loan Program provides loans to homeowners age 55 and older to help them pay delinquent property taxes and avoid foreclosure.
Financial Education Workshops Callout
Free Financial Education Workshops
We provide free, biweekly financial education workshops to help you recognize and avoid scams and fraud; prepare for your future through estate planning; budget and set realistic goals; take control of credit and debt; and learn about qualifying for benefits.View Details
Protecting a Loved One from Financial Exploitation
Financial exploitation or abuse of older adults occurs when a person’s resources are used by another for personal profit or gain, or when actions are taken that deprive an older person of the benefits entitled to them. No one is immune. This sort of theft can happen to anyone regardless of social standing and education levels.Read More
Managing Finances for a Loved One with Dementia
Handling a loved one’s finances can be a difficult task, particularly when they have been diagnosed with dementia. In fact, the inability to handle finances is often one of the first signs that a loved one has the disease. They might pay bills more than once, forget to pay bills entirely, give money away unexpectedly or have trouble balancing their checkbook. Dementia can also leave a loved one open to financial risk and abuse, which can make it even more important for us to familiarize ourselves with how best to protect them from these threats.Read More
5 Tips for Managing a Loved One’s Finances
It's not always easy talking to our loved ones about their personal finances, and it can be even more difficult to help them realize that it may be time to turn the reins over to us or another caregiver. Avoiding the conversation, though, can lead to unnecessary stress and unwarranted headaches later on, and can leave our loved ones open to financial exploitation. So how do we start the conversation? And what should we say?Read More
Understanding the Dangers of Medical Identity Theft
Identity theft is a worldwide phenomenon with very personal results to those who’ve been victimized by con artists and thieves. With our support, our loved ones need to be ever vigilant in guarding their personal, financial and medical identities.Read More
Understanding Estate Planning and Advance Directives
As we age, we may grow concerned about the possibility of no longer being able to make decisions for ourselves, and how we will provide for our family financially after we pass away. If we are caring for an aging loved one, encouraging them to begin preparing for the future through estate planning can provide us all with the peace of mind of knowing that their health care and financial wishes will be respected, and their loved ones will be taken care of.Read More