The forced transition from in-person to online activities as a result of the COVID-19 pandemic has had a profound impact on how families and communities buy groceries, acquire medical care, and utilize social services. This rapid shift has raised important questions about how to address access and...

The Trusted Contact Person initiative has been adopted across Canada. It is part of new regulatory measures to support advisors in their efforts to help investors, particularly older investors and vulnerable, protect themselves and their financial interests. Canadian seniors are increasingly...

The Innovations in Financial Capability report is a collaborative report by National CAPACD and the Institute of Assets and Social Policy (IASP) at Brandeis University’s Heller School for Social Policy and Management, in partnership with Hawaiian Community Assets (HCA), and the Council for Native...

The economic impact of the COVID-19 crisis has brought to light the deeply rooted financial struggles that many Americans face. This paper shows that even before the pandemic, a substantial share of households was already anxious and stressed about their personal finances. The greatest levels of...

Based on an extensive literature review and re-analysis of existing qualitative data, this report offers a working definition and an a priori conceptual model of financial well-being and its possible determinants. Using survey data from Norway (2016), ten regression models have been conducted to...

This brief explores the drivers of economic insecurity for older women and sets forth a number of strategies and promising practices for funders to consider which address the needs of older women. Doing so will ensure this generation and future generations of men and women in this country can age...

This report provides an overview of financial health and the policy responses around the world. Based on this, and the key questions of whether financial health measure more than income and if financial inclusion supports financial health, the report offers recommendations to policy makers on...

One in five Canadians are currently living with a disability. This infographic provides an overview of financial programs for people with disabilities in Canada based on findings in Morris et al. (2018) "A demographic, employment and income profile of Canadians with disabilities aged 15 years and...

This guide was created to be a resource for community college educators, staff, and administrators interested in implementing financial coaching as a way to empower students to build money management skills and make healthy financial decisions. Strategies for integrating financial coaching into a...

Despite the well-documented connection between health and wealth, investing in this intersection is still a new approach for many grantmakers. With the goal of inspiring increased philanthropic attention, exploration, and replication, this new spotlight elevates responsive philanthropic strategies...

As the connection between financial capability and social mobility is made evident, both public and private actors are increasingly interrogating the drivers of personal financial health and investing in the innovation of products and services designed to improve the condition of economically...

Grantmakers and practitioners recognize the importance of financial security for individuals and families, and many organizations therefore offer financial capability programs aimed at strengthening the financial well-being of the people they serve. But good financial capability programs are often...

This report explores consumer financial health, wellness/ stress and resilience for Canadians across a range of financial health indicators, demographics and all provinces excluding Quebec. This report provides topline results from the 2019 Financial Health Index study and three-year trends from...

The study examines consumers’ financial knowledge and confidence levels; financial and money stressors, financial capability aspects and financial management behaviours and practices (across the financial services spectrum). The study also explores external or environmental factors such as income...

An emerging body of international literature is beginning to reveal a significant connection between financial capability metrics and personality, suggesting that what influences our financial well-being may be more nuanced than we previously thought.  This report investigates how the inclusion...

An emerging body of international literature is beginning to reveal a significant connection between financial capability metrics and personality, suggesting that what influences our financial well-being may be more nuanced than we previously thought. This study investigates how the inclusion of...

This policy brief discusses issues surrounding access to Registered Disability Savings Plans (RDSPs) in the province of Alberta and recommended solutions for increasing RDSP uptake. With the Government of Alberta's commitment to improving financial independence for people in the province,...

This brief raises consumer perspectives on financial technology (fintech), and offers guidance for fintech developers on how to best serve low- to moderate-income...

This infographic displays data gathered from interviewing 53 newcomer participants in three provinces (Saskatchewan, Ontario, and Newfoundland) between August and October 2017. Learn more about the stages of newcomer settlement, key money topics and experiences of newcomers, and three types of...

Bank On coalitions are locally-led partnerships between local public officials; city, state, and federal government agencies; financial institutions; and community organizations that work together to help improve the financial stability of unbanked and underbanked individuals and families in their...

In early 2018, Enterprise Community Partners (Enterprise) began a pilot program, Enterprise Community Plus (EC+), to provide financial capability services to residents in two neighborhoods in New York City. Enterprise is a nonprofit housing developer seeking to create opportunity for low- and...

A large majority of American households live in a state of financial vulnerability. Across a range of incomes, people struggle to build savings, pay down debt, and manage irregular cash flows. Even modest savings cushions could help households take care of unexpected expenses or disruptions in...

Tax time financial capability services offered at Volunteer Income Tax Assistance (VITA) sites range from encouraging taxpayers to save a portion of their refund to free credit reviews, to referrals to financial coaching, and others in between. This report from Prosperity Now summarizes research...

This brief describes the data collected and lessons gleaned from the Financial Coaching Impact & Evaluation Fellowship, which took place over the course of 10 months in 2017. Ultimately, this brief argues that the Financial Well-Being Scale and the Financial Capability Scale are promising...

Developed in response to a call from G20 Leaders in 2013, the core competencies frameworks on financial literacy highlight a range of financial literacy outcomes that may be considered to be universally relevant or important for the financial well-being in everyday life of adults and youth. These...