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Financial Wellness

Across the Lifespan

Prevention. Planning. Protection.

At Be the Blessing Foundation (BTB), financial wellness is more than budgeting. It is a prevention strategy that reduces stress, strengthens decision-making, and improves stability across the lifespan.

Our Financial Wellness Pillar operates across three life-stage cohorts and is reinforced through experiential youth programming, intergenerational activities, and individualized financial guidance.

We serve individuals and families navigating financial vulnerability — and we partner with Financial professionals to ensure access to trusted, pro bono financial expertise.

Who We Serve

We intentionally support populations facing systemic barriers or major life transitions:

Single parents and working-class families
Low- to moderate-income households
Low-income college students
Young people aging out of foster care
Recently incarcerated individuals (reentry)
People with disabilities
Victims of natural disasters or sudden crises
Individuals with serious illness and caregivers
At-risk seniors and older adults on fixed incomes

Our programs are trauma-informed, accessible, and prevention-oriented.

Our 3 Financial Cohorts

Youth & Young Adults

Foundational Literacy

We equip youth with real-world financial skills before high-impact adult decisions occur.

Last year (2025):
• 43 youth interns completed our financial wellness curriculum
• Every intern built a personal budget
• Each participant planned their “ideal life” and mapped income to lifestyle
• Students explored the connection between money stress and mental health
• FAFSA education was provided to youth and parents

College-age participants complete a required 1-on-1 Wealthy Wellness Session to receive individualized guidance.

Working Class Families

Resource Education & Stability

We support parents and caregivers with:

• Household budgeting tools
• FAFSA training and college planning support
• Guidance toward homeownership pathways (including the Maryland Mortgage Program)
• Connection to wraparound services for children and families
• Planning strategies to move from survival to stability

Financial wellness becomes a shared family conversation, reinforcing what youth are learning.

Seniors and Older Adults

Stability & Protection

We partner with senior centers and senior living facilities to deliver:

• Fixed-income budgeting education
• Fraud and financial exploitation prevention
• Planning related to healthcare and housing costs
• Financial organization and aging-in-place support

Through Wealthy Wellness Sessions, seniors receive individualized, pro bono guidance from CFP® professionals in trusted community settings.

Wealthy Wellness Sessions

Participants receive:
• Personalized budget review
• Financial goal clarification
• Planning support aligned to life stage
• Stress-reducing financial clarity

These sessions move participants from literacy to action.

Our Objectives

We aim to:

• Increase financial confidence across vulnerable populations
• Reduce stress linked to financial instability
• Expand equitable access to professional financial guidance
• Prevent financial exploitation among older adults
• Support successful transitions into adulthood
• Strengthen intergenerational financial understanding

Measurable Outcomes

We track:

• Budget confidence (pre/post surveys)
• Completion of financial planning tools
• Participation in Wealthy Wellness Sessions
• FAFSA engagement and education access
• Senior fraud-prevention education participation
• CFP® volunteer hours delivered

Our model is scalable, repeatable, and community-based.

Why Partner With BTB?

Education & Senior Facilities

• Turnkey financial wellness programming

• Professional financial expertise at no cost

• Prevention-focused education model

• Measurable outcomes

CFP® Professionals

• Meaningful, structured pro bono engagement

• Direct service to underserved communities

• Clear session frameworks and support

• Documented impact and volunteer tracking

• Flexible commitment options

Community Partners

• Lifespan-based financial stability programming

• Resource navigation integration

• Intergenerational engagement opportunities

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