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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.

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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.

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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.

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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.

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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!

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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.

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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.

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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.

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Financial Education Workshops Callout

Resources

Resources

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The Basics of Medicare Benefits

Medicare enrollment period is beginning October 15th! Join us for an informative webinar discussing the basics of Medicare and how individuals over 65 can enroll for Medicare benefits. Information includes an overview of Medicare coverage and enrollment conditions with a special focus on considerations for individuals with or at-risk for dementia.

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By Cynthia Walker | 10/13/2022

It's important to make sure you keep your finances organized during your retirement years to remain comfortable and continue pursuing your goals.  Image: Towfiqu barbhuiya | Unsplash

How to Organize Your Finances as a New Retiree

If you’ve finally reached retirement, congratulations! This is yet another chapter in life you must learn to navigate, as you’ll suddenly have much more time to spend with your personal interests. This could mean you dive deep into a hobby, plan to travel more or find a new part-time job to stay active. Whatever your path may be, you’ll want to make sure you keep your finances organized during your retirement years to remain comfortable and continue pursuing your goals.

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08/15/2022

Any older adult can fall victim to this scam, including your loved one, and it happens more often than you might think.

Keeping Your Older Loved One Safe from Grandparent Scams

It’s an old stereotype that grandparents will do almost anything for their grandchildren—including opening their wallets more often than they probably should. If they hear their grandchild is experiencing a crisis, their first response is likely to do whatever they can to help them. Unfortunately, fraudsters are taking advantage of this natural impulse to help with a type of scheme known as a “grandparent scam.”

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By Julie Hayes | 06/15/2022

The Financial Fatigue of Caregiving: When Caring for a Loved One with Dementia

This informative webinar is for family and friend caregivers or supporters of persons with dementia. This webinar discusses the effects caregiving has on your finances, and how to effectively manage your finances while balancing multiple responsibilities. We cover how to have difficult conversations about taking on the financial role of caring for a loved one, estate planning and how to make sure your loved ones are protected against financial exploitation.

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By Tiffany Taylor | 03/03/2022

The Impact of Cybercrimes on Mental Health in Older Adults

Cybercrimes have increased 20 percent since the onset of COVID-19 in 2020. Romance scams stole more than $139 million from older adults in 2020. According to a report by the Federal Trade Commission, that’s a 65 percent increase from 2019, when reported losses were nearly $84 million. While the monetary loss is staggering, it is often the devastating emotional toll that impacts the mental health of older adults, their families and those that care for them the most. This webinar will explore the topic of cybercrimes, why older adults are targets, the impact this trauma can have on an individual's mental health and ways to find help in the community.

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By Tam Cooper | 12/09/2021