What is one of the roles of financial counselors when working with members?

Financial counselors play a crucial role in helping individuals establish and achieve their financial goals. By focusing on setting specific and realistic financial objectives, counselors can motivate members to take actionable steps toward savings and financial stability. This process often involves assessing a member's current financial situation, understanding their desires and aspirations, and helping them to identify attainable goals, such as saving for an emergency fund, buying a home, or planning for retirement.

These goals serve as a motivational tool to prompt members to take control of their finances, cultivate disciplined saving habits, and ultimately improve their financial well-being. This approach aligns with the core mission of financial counseling, which is to empower individuals with the knowledge and strategies they need to make informed financial decisions and attain financial security.

The other options focus on narrower or potentially more aggressive financial strategies that do not emphasize the fundamental role of counseling, which is to educate and guide members toward sustainable financial practices. Placing emphasis on high-risk investments or conducting audits can distract from the overarching goal of fostering good financial habits and ensuring long-term financial health.