CUNA Certified Financial Counselor Schools

Transcription

1 CUNA Certified Financial Counselor Schools Certified Financial Counselor School Part 1: The Financial Counseling Process April 10-14, 2011 Huntington Beach, CA Certified Financial Counselor School Part 2: Money Management Concepts & Skills April 10-14, 2011 Huntington Beach, CA Certified Financial Counselor Conference: Expanding Your Knowledge April 11-14, 2011 Huntington Beach, CA Plus, stay an extra day and get recertified! The credit union movement s premier financial counseling training program Visit training.cuna.org/cfcs

2 Members down on their luck are looking to you for help Can you provide your members with the financial counseling they need? It seems like only yesterday we were talking to members about financial planning services and investments. But today credit unions are scrambling to meet the needs of those hit hard by the tough economic times. Financial counseling has become a critical service to members and it s an approach that requires: New skills. You need to understand the complexities of late payments, maxed out credit cards, shattered credit and find ways to deliver solutions. New partners. You must think outside your credit union and access community resources. The burden on you is to find the right ones and work with them. New approaches. You must take a fundamentally different approach to financial counseling. It requires being able to evaluate your members value systems and how they regard money. Who Should Attend? This program is designed for staff at your credit union who work in the financial counseling department, the collection department, the loan department, as well as other staff within your credit union that are committed to helping members gain control of their financial future. This program will provide your credit union with the knowledge and skills needed to work with a member who has financial problems, assisting them in solving and preventing future financial problems. There is much to learn, but one constant remains in place: Credit unions are still about people helping people. With CUNA Certified Financial Counselor Schools, you ll gain the strategic skills necessary to remain true to your credit union s mission.

3 Earn national recognition for your financial counseling expertise At Part 1 and Part 2 Schools, testing is provided for those pursuing their Certified Credit Union Financial Counselor (CCUFC) certification. To achieve certification, you must successfully complete the exams for both Part 1 and 2 of the CUNA Certified Financial Counselor Schools. Exams may be taken on-site or at a later date. Upon completion of both parts, you will receive a Certified Credit Union Financial Counselor (CCUFC) certification. Visit training.cuna.org/cfcs Is it time for you to recertify your CCUFC designation? Maintain your achievement by getting recertified every three years. Simply attend CUNA s Certified Financial Counselor Conference: Expanding Your Knowledge With Recertification to earn your credits and take your recertification exam. Or, use the Credit Union Financial Counseling Certification Program (FiCEP) Recertification Module, a self-study program and successfully pass a proctored test in your own community. Visit training.cuna.org/ficep for more details. Earn college credit for your participation The American Council on Education s College Credit Recommendation Service has recommended: CUNA Certified Financial Counselor School Part 1 and 2: two semester hours in Personal Finance or Financial Planning Certified Financial Counselor Conference Expanding Your Knowledge: three semester hours in Personal Finance or Financial Planning These semester hours are in the lower division baccalaureate/ associate degree category. Contact your advisor to determine if your college or university will accept these credits.

4 CUNA Certified Financial Counselor School Part 1: The Financial Counseling Process April 10-14, 2011 Huntington Beach, CA Tuition: $1,295 ($1,395 after February 27, 2011) Part 1 focuses on determining needs, implementing programs, identifying resources and exploring options that will help members solve their financial problems. You may attend Parts 1 and 2 in any order, there are no prerequisites. Visit training.cuna.org/cfcs Registration: Sunday, 1:15 1:45 p.m. Times will be allocated each day for optional studying and testing. All sessions and tests are mandatory for CCUFC certification. Session topics: Designing & Implementing a Financial Counseling Program Learn how to determine members needs and institutional attitudes Analyze your department structure and program personnel Discuss the development of training programs, adequate counseling facilities and effective policies and procedures Communication Process for a Financial Counselor Understand several important communication principles Discuss the different ways in which members communicate Identify factors that influence and also create obstacles in the communication process Understand the important role of listening skills Financial Counseling Overview & the Role of the Financial Counselor Identify myths and goals of financial counseling Examine a model for your budget counseling process Learn ways to help members clarify and resolve their financial problems Learn how the real cost of credit can discourage over-spending Spending Plans Show members how to develop a plan for spending, bill paying and saving Learn how to help members build savings on a tight budget Learn to demonstrate two ways to accelerate debt reduction Help members find alternatives to bankruptcy

5 Understanding & Improving Creditworthiness Learn the six factors lenders look at when considering a loan Understand how credit scores are determined Discuss what members can do to improve their credit score and creditworthiness Helping Members Work With Creditors Identify the financial counselor s role Teach members how to negotiate with creditors honestly and fairly Learn how to help your member construct a letter for creditors Discuss what to do when members are unable to make any payment due to job loss, disability and other severe financial problems Financial Counseling Simulation Practice your counseling skills and gain confidence in conducting a financial counseling session with a member Creditors & Consumers Rights & Remedies Discuss a variety of creditor remedies used today Establish member s options for stopping or preventing garnishments, repossessions and foreclosures Explore the bankruptcy process from the lender and the consumer viewpoint Review the issues involved with the Fair Debt Collection Practices Act (FDCPA) Public Agencies & Community Resources Learn how to help members determine when they are eligible for external assistance Establish a list of external resources on state, regional and national levels Develop a resource guide to use for member access and referrals Problem Prevention, Education & Information Programs Discuss credit union awareness best practices Determine tools and resources to help members prevent credit issues Establish intervention tools to use to keep members on the straight and narrow Understanding Your Members Financial Issues Understand your members environment Discuss why members act the way they do Identify financial problems and their impact Distinguish differences between financial crises, emergencies and problems Investigating Financial Solutions & Options Identify options and solutions to credit problems Learn ways to help members understand their financial situation and options Identify resources and opportunities to help reduce members monthly deficit The program gave me practical tools necessary to begin implementing a counseling program for our membership. Past attendee Schedule is subject to change. Did you know? You may also receive your Certified Credit Union Financial Counselor certification through FiCEP, a self-study certification program. Visit training.cuna.org/ficep for more details.

6 CUNA Certified Financial Counselor School Part 2: Money Management Concepts & Skills April 10-14, 2011 Huntington Beach, CA Tuition: $1,295 ($1,395 after February 27, 2011) Through Part 2 you will discover ways to help members prevent and resolve financial problems by learning about the underlying causes of financial difficulties and examining different ways to control and monitor expenses. You may attend Parts 1 and 2 in any order, there are no prerequisites. Visit training.cuna.org/cfcs Registration: Sunday, 4:30 5:00 p.m. Times will be allocated each day for optional studying and testing. All sessions and tests are mandatory for CCUFC certification. Session topics: Controlling Living Expenses Establish 10 ways for members to save money on living expenses Learn cost cutting options for housing, whether renting or purchasing a home Discuss ways to cut insurance, utility and telecommunication costs Learn how to change spending habits with food, clothing and gift expenses Understanding Consumer Credit Understand the five categories comprising a credit score Learn how to help members build a better score Evaluate the advantages and disadvantages of using credit Discuss the risks and rewards of using home equity as a solution to financial problems Determine the best options in restructuring debt and repayment How Taxes Affect Your Income & Decisions Learn how taxes impact financial decisions Discuss the different types of taxes Learn how pre-tax or post-tax savings may affect retirement income decisions Gain a better understanding of the Earned Income Tax Credit Investment Basics Understand the basic investment terms and concepts Understand the concept of time value of money Discuss investment options and risks

7 The Basics of Insurance Understand the basic concepts of insurance Learn the different types of insurance needs and coverage Understand how to reduce or control insurance costs Money Related Values & Beliefs Explore the sources and power of values and beliefs about money Understand member sensitivity in money matters Examine the impact of lack of money management training Explore the impact of parents as financial role models Identify how financial anxiety and financial apathy can lead to problems and financial insecurity Education Planning & Savings Examine the importance of savings for financial solvency, stability and progress Identify ways of making savings automatic and habitual Discover the impact of employer matching savings programs Explore the use of Independent Development Accounts (IDAs) with low-income persons Examine the power of interest and the Rule of 72 Identify current impediments to savings Evaluate different ways of planning for college expenses Consumer Fraud Learn about current consumer fraud issues Know how to protect your members and credit union from fraud Money Conflicts Examine how family issues can be the cause of money conflicts Learn to identify and assist members with money conflicts Discuss the challenges involved with separation, divorce and blended families Explore the money conflicts associated with members who are self-employed Understand the money challenges for the member who relies on tips, commissions or seasonal employment as their main source of income Dealing With Members who Have Addictions Explore the financial consequences of addictions Identify the signs of various addictions Examine the implications of working with members who have an addiction Help members achieve financial stability when their spouses have an addiction Retirement Planning Identify current myths regarding retirement planning Examine retirement planning alternatives including: 401(k), 403(b), IRAs, SEP and SIMPLE IRA plans Schedule is subject to change. Did you know? You may also receive your Certified Credit Union Financial Counselor certification through FiCEP, a self-study certification program. Visit training.cuna.org/ficep for more details. I have been in the loan area of our credit union for many years. I thought I knew a lot, until I attended this program. I didn t realize there were so many areas that you could reference to cut back cost, so you are able to increase your member s income. I left the program excited about all of the new information I had learned and how this would allow me to better help my members. Past attendee

8 CUNA Certified Financial Counselor Conference: Expanding Your Knowledge April 11-14, 2011 Huntington Beach, CA Tuition: $1,295 ($1,395 after February 27, 2011) Plus, get recertified! Attend the conference and stay to get recertified. April 11-15, 2011 Huntington Beach, CA Tuition: $1,495 ($1,595 after February 27, 2011) Hear from industry experts and network with your peers to better your ability to help members reach their financial goals. All credit union staff who work in financial counseling, collections and loan departments should attend this program to stay current on financial counseling practices. This conference is designed to meet the recertification requirement for the Certified Credit Union Financial Counselor (CCUFC) designation. Registration: Monday, 11:00 11:30 a.m. Times will be allocated each day for optional studying and testing. All sessions and tests are mandatory for CCUFC certification. Session topics: Foreclosure Panel Discussion Hear from industry experts on how to help members facing foreclosure Discuss the steps members should take during the foreclosure process Review options that are available to members if foreclosure is their only option Capitalizing on the Current Marketplace Strategic Growth in Troubling Times Learn how your credit union can focus on growth in today s economic environment Explore how offering financial counseling, education programs and appropriate products and services will enhance your members experience Determine how your credit union can grow by reaching new members that are not traditionally served by your credit union Taking the Mystery out of Loan Modifications Learn how to come to terms with the loan modification concept Discover how to counsel borrowers if a loan modification is in their best interest Learn how to deal with uncooperative lenders Determine how to keep the modification process on track, on time and in the best interest of everyone Hear the pros and cons of loan modification agreements Perfecting Your Counseling Program Understand financial counseling tactics that will show effectiveness to your members Learn what your members are looking for most when they seek financial counseling Explore what you are doing to help keep members on track while going through financial counseling

9 Developing Members Habits for a Stronger Financial Future Explore best practices for developing a budget and working with members to plan for a stronger financial future Analyze debt and methods to use to reduce debt and create a repayment structure Learn how to negotiate with creditors establishing debt settlement and repayment alternatives Recognize member habits that will indicate a financial crisis Building Financial Advocacy Into Your Credit Union s Culture Learn what financial advocacy looks like and how it can be used to support growth, retention and counseling programs Discuss methods to gain buy-in and continued support from other departments Explore ways to integrate financial advocacy into counseling programs, organizational structure and operational realities Review sustainable advocacy programs and best practices Determine how to measure results of advocacy efforts Counseling for Generational & Gender Differences Hear a brief overview of generational and gender communication styles Explore perception and behavioral differences regarding financial matters Establish how to adjust your message and delivery style to suit your audience Learn the power of story-telling while working with your members Understand how to check with a member for their comprehension Learn to present solutions, resources and action plans based on gender and generational comfort zones Friday (Only participants who are getting their Certified Credit Union Financial Counselor recertification need to attend Friday sessions.) Group Review for Recertification 8:30 a.m. 3:30 p.m. Discuss the main principles of financial counseling techniques and skills needed when working with members. This will be a comprehensive review and will be presented by a practicing financial counselor who brings 30 years of knowledge and working experience in the financial counseling industry. Recertification Testing 4:00 5:00 p.m. (Mandatory if you are recertifying your CCUFC designation.) Schedule is subject to change. Experience Learning like never before with CUNA Center for Professional Development. For more than 40 years, we ve helped people reach their personal and professional potential to maximize credit union performance. With training designed for credit unions by credit union people, our content is second to none and our business results help credit unions thrive. We deliver expert information, resources, and networking opportunities that inform and motivate staff and volunteers to deliver innovative ideas and exceptional strategies to your credit union. Guaranteed. I gained more confidence in dealing with members and identifying with their problems. I am certain this will help me guide members toward positive and educated solutions. Past attendee Visit training.cuna.org/cfcs

10 Stay in Huntington Beach, CA! The Hilton Waterfront Beach Resort Pacific Coast Highway Huntington Beach, CA Phone: Fax: Reservations: Room rates: $179 single/double* Hotel Reservation Deadline: March 21, 2011 Hilton Waterfront Beach Resort is located on the picturesque coastline of Southern California, in the heart of Surf City USA in Huntington Beach California. This resort is known for its uncompromising service and amazing sunsets over the Pacific Ocean. * Room rates and availability cannot be guaranteed. Rooms may be sold out prior to this date, so make your hotel reservations early! Room reservations and fees are the responsibility of the registrant. To claim this room rate, call for reservations and reference CUNA or Credit Union National Association. School Information: Program content: Call: , ext training@cuna.coop Registration: Call: , ext reginfo@cuna.coop Continuing Professional Education (CPE) Credits CUNA is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be addressed to the National Registry of CPE Sponsors, 150 Fourth Avenue North, Suite 700, Nashville, TN, Web site: CPE Credits: You can earn 33 group-live CPE credit hours for CUNA Certified Financial Counselor School: Part1, and 27 group-live CPE credit hours for CUNA Certified Counselt School Part 2, and 25 group-live CPE credit hours for Certified Financial Counselor Conference: Expanding Your Knowledge. No advance preparation or prerequisites are required. For more information regarding administrative policies, such as complaint and refund, please contact CUNA at , ext Council Discount CUNA Council members receive a $100 discount on select schools and eschools and a $50 discount on webinars. To learn more about CUNA Councils, visit cunacouncils.org. Cancellations & Refunds Cancellations received in writing (via fax ) seven or more days before the start of the program are eligible for a refund of the amount paid minus a $200 administrative fee. No refunds will be granted if cancellation is received six days or less before a program begins. For more information visit: training.cuna.org/cfcs

11 The CUNA onlineedge web products help you grow your membership, increase loans, connect members to your credit union services and maintain your EDGE in today s competitive financial environment. Featured Products: Home & Family Finance Resource Center Help members make the right money management decisions by providing them with a one-stop online source for financial information they can trust rely on the expert content provided with CUNA Home & Family Finance Resource Center! Plus you can connect members to your credit union s services, loan applications and rates to become their go-to resource. Anytime Adviser Extend your personal finance service hours and member education efforts without extending your office hours and staff! The CUNA Anytime Adviser expert financial coaches are available 24/7 to guide members through borrowing and purchasing decisions to provide trustworthy financial advice around the clock. For more information on all of the onlineedge products: Visit cuna.org/onlineedge. Interested in a guided product tour? Call , ext Certified Financial Counselor Self-Study Option The Credit Union Financial Counseling Certification Program (FiCEP), enables all credit union staff to become more confident in helping members build a stronger financial future. Not sure how to get your financial counseling certification? You can mix and match attending the CUNA Certified Financial Counselors School with FiCEP. Consider taking Part 1 or 2 live at the school and then taking the other part through FiCEP. It s your choice to ensure you ll learn in the best environment for you! How does FiCEP enhance your services? Proven financial counseling skills become a part of your credit union s culture Differentiates your credit union with certified financial counselors on your team Helps members transform the way they deal with money through real-world counseling Earn your financial counseling certification right at your credit union! Learn at your own pace with the FiCEP print-based modules. Each FiCEP module comes with one exam. By completing the proctored exams for all eight modules, any credit union employee can become a Certified Financial Counselor. For more information: Visit training.cuna.org/ficep Not a subscriber? Try Credit Union Magazine FREE for 6 months when you attend. Visit: creditunionmagazine.com.

12 CUNA Certified Financial Counselor Schools The credit union movement s premier financial counseling training program Certified Financial Counselor School Part 1: The Financial Counseling Process April 10-14, 2011 Huntington Beach, CA Certified Financial Counselor School Part 2: Money Management Concepts & Skills April 10-14, 2011 Huntington Beach, CA Certified Financial Counselor Conference: Expanding Your Knowledge April 11-14, 2011 Huntington Beach, CA Plus, stay an extra day and get recertified! Visit training.cuna.org/cfcs #29760