Financial Counseling On Demand Answers to your most important questions askAFS provides employees and members with a broad array of practical financial counseling services when they have questions and need help. Features And Benefits: Invaluable Resource - unlimited access to a staff of highly trained and experienced Financial Counselors. Convenient Hours - live counselors are currently available 13 hours per day Monday through Friday. Supporting Materials - worksheets and other resources conveniently available online or emailed the Consumer to help them through their issues and questions. Sophisticated reporting and tracking - regular reporting gives you the feedback you need to better understand your employees or members financial concerns while keeping personally identifiable information confidential.  Warm transfer" capability - callers may be transferred back to your company or institution for additional information or services they may have access to.   Some of our programs: Cash flow Coach - consumer specific coaching programs that address monthly spending, personal and household cash flow, goal setting and more. Spend Your Way to Wealth - a broad based consumer program that looks at spending, being an informed consumer, credit management and how to put money toward savings, retirement, investing and more. Dominate Your Debt - debt elimination planning. Minding Your Health Dollars - education and counseling for managing health care costs...helping Consumers take charge of their medical expenses in the era of consumer directed health care. Bankruptcy Education Program - Required education and counseling programs for consumers who are planning to have or have filed bankruptcy. All You Need To Know - Objective information and decision resources about financial programs and products you may be considering. askAFS Financial Resource Center - 24/7 online resources, timely articles, calculators, case management access, live chat and more. The askAFS plan is all about getting people back in the game of life, without the weight of the world on their shoulders.