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F23-3003 Your Money, Your Goals Financial Empowerment Toolkit

Total Credits: 3 including 3 Category I CE

3000 Financial Social Work |  800 Online |  700 Professional Growth & Development
Vanessa Bright MBA, AFC
Course Levels:
3 Hours 15 Minutes
Target Audience:
Social Workers, LCPCs, and Psychologists



Are you working with clients who have been and are continuing to face profound financial distress? More and more, social workers are called to work with clients around their finances. Increasingly, financial problems are a recognized, critical component in social work settings across mental and behavioral health, family stability, and physical health domains. This workshop will offer an abbreviated introduction to the Your Money, Your Goals toolkit, developed by the Consumer Financial Protection Bureau (CFPB). You’ll learn about the resources you need to help people tackle financial stressors, increase income, set goals, and develop other critical skills in today’s environment. This workshop includes an online toolkit and follow-up resources to easily integrate financial social work into your practice.  


Vanessa Bright MBA, AFC Related seminars and products

Vanessa Bright, MBA, AFC, is Executive Director of the Maryland Reentry Resource Center and has 20+ years of experience in providing financial education and entrepreneurship training with those in the criminal justice system.  Christine Callahan, PhD, LCSW-C, is research associate professor at the University of Maryland School of Social Work's Financial Social Work Initiative and has 25+ years of clinical social work experience with those facing medical illness, plus doing research and training in financial social work, especially on behalf of vulnerable populations. 


Agenda & Learning Objectives


8:50 – 9:00 Log On/Registration  

9:00 – 10:30  

  • Overview of the Your Money, Your Goals Financial Empowerment Toolkit  

  • Exploration into the most critical tools to meet today’s needs  

10:30 – 10:45 Break  

10:45 – 12:15 

  • Exploration of financial empowerment in today’s COVID-19 environment  

  • Application to social work practice  

12:15 Questions and Adjournment  



Upon the completion of this workshop, participants will be able to:


  • Describe ways to approach integration of Your Money, Your Goals into work with clients, to view this work through a social work lens, and to deepen your practice.   

  • Explain the ways outcomes of financial empowerment training align with program and client outcomes.   

  • Access and use tools and materials available at


Bibliography & References



BrintzenhofeSzoc, K., Aron, M., Jacobsen, M., Koziol, D., & Callahan, C.  (2006). Development of the Profile of Adaptation to Life in a medically ill population:  PAL-M.   Social Work in Health Care, 45(2), 43-58.  doi:  10.1300/J010v4502_03  

Callahan, C. (2016, May). The burden on social workers when patients and families experience financial stress. Association of Oncology Social Work Annual Conference. Tampa, FL.  

Callahan, C., Frey, J., & Imboden, R. (Co-Eds.)  (2020). The Routledge Handbook on Financial Social Work:  Direct Practice with Vulnerable Populations.  New York:  Taylor & Francis.  

Callahan, C., Kunz, J., & Frey, J. (in revise and resubmit). Financial capability and psychological well-being:  Implications for direct practice with individuals and families. Journal of Financial Therapy.    

Case, A. & Deaton, A. (2015). Rising morbidity and mortality in midlife among white non-Hispanic Americans in the 21st century. Proceedings of the National Academy of the Sciences of the United States of America, 112(49).  

Center for Financial Security.  Financial Coaching Strategies.  Retrieved from  

Collins, J.M., Olive, P., & O'Rourke, C. (2013). Financial coaching’s potential for enhancing family financial security, Journal of Extension, 51(1), 1-6. Retrieved from  

Consumer Financial Protection Bureau.  (2020). Your Money, Your Goals Financial Empowerment Toolkit. Retrieved from  

Council on Social Work Education. (2017). Curricular guide for economic well-being practice. Alexandria, VA:  Council on Social Work Education.  

Davis, S.  (2016, November). Coaching skills building.  In CFPB Symposium. Symposium conducted at the meeting of the Association of Financial Counselors, Planners, and Educators. Louisville, KY.  

Despard, M.R., Chowa, G.A., & Hart, L.J. (2012). Personal financial problems:  opportunities for social work interventions? Journal of Social Service Research, 38(3), 342-350.  

Dodaro, G. (2011). Financial literacy: the federal government’s role in empowering Americans to make sound financial choices. Washington, DC: US Government Accountability Office (GAO).  

Fernandes, D., Lynch Jr., J., & Netemeyer, R. (2014). Financial literacy, financial education, and downstream behaviors. Management Science, 60(8), 1861-1883.  

Frey, J. J., Hopkins, K., Osteen, P., Callahan, C., Hageman, S., & Ko, J. (2016). Training social workers and human service professionals to address complex financial needs of clients. Journal of Social Work Education, 53(1), 118-131.  

Frey, J. J., Svoboda, D., Sander, R., Osteen, P., Callahan, C., & Elkinson, A. (2015). Social work practice with clients with financial difficulties:  Evaluation of continuing education training on financial capability. The Journal of Social Work Education. 51(3).   

Imboden, R., Frey, J., & Callahan, C. (under review). Workplace financial education for low-to-moderate income hospital employees. Online Journal for Workforce Development and Education.  

Kahneman, D. (1979). Prospect theory:  an analysis of decisions under risk. Econometrics, 47, 278.  

Karls, J.M. & Wandrei, K.E. (1994).  PIE manual: person-in-environment system: the PIE classification system for social functioning problems. Washington, DC:  NASW Press.  

Kim, J.H., Gale, J., Goetz, J., & Bermudez, J.M. (2011). Relational financial therapy:  an innovative and collaborative treatment approach. Contemporary Family Therapy, 33, 229-241.  

Johnson, E. & Sherraden, M.S. (2007). From financial literacy to financial capability among youth. Journal of Sociology and Social Welfare, 34(3), 119-145.    

McCoy, M. A., Ross, D. B., & Goetz, J. W. (2013). Narrative financial therapy: integrating a financial planning approach with therapeutic theory. Journal of Financial Therapy, 4(2), 22-42.  

Miller, W.R., & Rollnick, S. (2013). Motivational interviewing:  helping people change. New York: Guilford.  

Menard, M., (2017). So many courses, so little progress: why financial education doesn't work - and what does. Retrieved from  

Negi, N.J., Bender, K.A., Furman, R., Fowler, D.N., Prickett, J.C. (2010). Enhancing self-awareness: a practical strategy to train culturally responsive social work students. Advances in Social Work, 11(2), 223- 234.  

Payne, M. (2014). Modern Social Work Theory (4th ed.). Chicago, IL: Lyceum Books.  

Prochaska, J. Q, & DiClemente, C. C. (1984). The transtheoretical approach: Crossing traditional boundaries of change. Homewood, IL:  Dorsey Press.  

Prochaska, J. O., & Norcross, J. C. (2001). Stages of change. Psychotherapy: Theory, Research, Practice, Training, 38(4), 443-448.   

Saleebey, D. (2002). The strengths-based perspective in social work practice. Boston:  Allyn and Bacon.  

Shafir, E., & Mullainathan, S. (2013). Scarcity:  why having too little means so much. New York:  Henry Holt and Company.  

Sherraden, M.S., Birkenmaier, J., & Collins, J.M. (2018). Financial capability and asset building in vulnerable households:  theory and practice. New York:  Oxford University Press.  

Sherraden, M.S., Frey, J.J., & Birkenmaier, J. (2016). Financial social work (Chapter 10). In J. J. Xiao (Ed.). Handbook of Consumer Finance (2nd ed.) (pp. 115-130). New York: Springer.  

Smith, T., Shelton, V., & Richards, K. (2015). More than numbers: everyday financial therapy facilitator’s guide. Seattle, WA:  Southeastern Professional Books.  

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Course Completion & CE Information

Category I Maryland BSWE Requirement

The Office of Continuing Professional Education at the University Of Maryland School Of Social Work is authorized by the Board of Social Work Examiners in Maryland to sponsor social work continuing education programs. This workshop qualifies for {3} Category I Continuing Education Units. The Office of Continuing Professional Education is also authorized by the Maryland Board of Psychologists and the Maryland Board of Professional Counselors to sponsor Category A continuing professional education.

Please refer to the tab "Live Interactive Webinar Policies & FAQs" for UMSSW Office of CPE policies regarding all live interactive webinar related matters.

Target Audience

Social Workers, LCPCs, and Psychologists

We welcome anyone interested in the topic!


Late Fees and Refunds

Fee & Registration:

Cost is $70 and includes CE credit. Registering after 10/19/23 will incur an additional $20 late fee. Cancellations* must be received 24 hours in advance prior to the workshop to receive a refund or an account credit.


*ALL cancellations will be subjected to a $35.00 administration fee.

Live Interactive Webinar Platforms


The Office of Continuing Professional Education hosts Live Interactive Webinars through two platforms: Zoom and WebEx.

Both platforms offer high quality and user-friendly webinar platforms for our registrants.


System Requirements:

  • Operating Systems: Windows XP or higher; MacOS 9 or higher; Android 4.0 or higher.
  • Internet Browser: Google Chrome; Firefox 10.0 or higher.

Our system is not compatible with the Safari web browser.

  • Broadband Internet Connection: Cable, High-speed DSL and any other medium that is internet accessible.

**Please have your device charging at all times to ensure that your device does not lose power during the webinar.


Course Interaction Requirements:

To participate in Live Interactive Webinars, you MUST have a device that allows you to view the presentation on screen and hear the instructor at all times. We do not allow participants to call-in from their phones or mobile devices and solely listen to the presentation. Participation in Live Interactive Webinars is mandatory.

Webinar Policies & FAQs

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