Whether you hire a fitness coach to guide you on how to get in better shape, a nutritionist to get advice about eating healthier, or an executive coach to help with your career, many options are available. Studies show that working with a coach can be beneficial by providing the resources and support needed to be successful. Coaches can also offer consistent accountability to assist you in staying on track. Although readily available, many coaching services like these typically come with a hefty price tag.

An area that is often overlooked, however, is the financial coach. Now, we are not talking about wealth managers. We are referring to someone who works to help people with a wide range of incomes to make a financial game plan so they can meet their goals.  There is finally a solution to this dilemma with Union Savings Bank.  Through our FutureTrack program, and as a certified LifeStage FutureTrack coach, I can help.  I’ll work with you to set a personalized, actionable financial plan so you can achieve short-term and long-term goals. Along the way you’ll have access to resources and digital tools that will help you track your spending, like Spending Insights, to provide additional support. This is provided to USB customers at no cost.

Here are some of the areas and ways we can help:

Debt Management and Credit Building Plan: This plan helps you set yourself up for the future by avoiding excessive debt, building credit, and managing your monthly finances, while still allowing you to enjoy life with some extra money. It's ideal for students, recent college graduates, and young professionals who need a monthly financial strategy.

Childcare/college savings: Ideal for parents with young children who need assistance in organizing a financial plan to cover their child’s immediate expenses and to prepare for their future education costs.

Buy a home: Ideal for individuals needing a plan to achieve homeownership, while building a nest egg and managing daily life.

Manage everyday expenses: Suitable for families with young children facing daily financial challenges balancing costs of living, healthcare, childcare, extracurricular activities, and debt. Create a joint future: This plan is ideal for newlyweds, engaged couples, or partners who are starting their lives together. It helps you manage daily living costs, entertainment expenses, and possibly student debt as you work towards building your life together and achieving major goals.

These are just a few of the ways we can help, and plans are customized to your unique situation. Let us help you build a plan and put it into action. Reach out to me or any of the 52 Union Savings Bank FutureTrack certified coaches today. We can meet in person or virtually and it takes only 30 minutes to get started. Visit unionsavings.com/futuretrack or call 866.872.1866 to get started.

This article was written by Lurdes Costa, Union Savings Bank Assistant Vice President, Senior Branch Manager, and FutureTrack Coach, LSFC™. She is fluent in Portuguese and Spanish.