Deciding which financial capability services to provide clients begins with understanding how clients currently manage their financial lives. Tool 1 in Building Financial Capability: A Planning Guide for Integrated Services (http://1.usa.gov/1FxrLnE) helps you analyze clients’ current financial needs and opportunities. The tips below will help you effectively use Tool 1 in planning for integration. “Integrating financial capability services” means connecting clients to financial capability services where and when they are already receiving other services.