Quick facts

Service type: Financial Empowerment
Eligibility: Toronto families (parents and caregivers) with at least one child under age 18 in their care, and who are living on a lower income. Families must be motivated to set up a financial plan and able to engage in multiple sessions (approximately six) over a three-month period, both independently and with counsellor support. Scheduling is flexible.
Delivery: In-person and/or by phone
Fee: Free
Program dates: This program runs on a cohort basis, with registration open year-round. Clients commit to engaging in multiple financial counselling sessions over a three-month period.

Program description

The Scotiabank Family Finance Clinic is a free three-month financial empowerment program for families. Access one-on-one support from a financial Social Worker to create and achieve realistic financial goals and build strong money management skills.


Who is not eligible:

This program is not suitable for those experiencing an immediate financial or housing crisis. For assistance, please contact our Financial Empowerment Counselling service at (416) 645-6000 ext. 1330 or email [email protected].


Participating families can expect to:

  • Create a Family Financial Plan with short- and long-term goals
  • Get a financial benefit screening
  • Increase financial literacy and confidence
  • Receive individualized financial counselling to improve money management skills and behaviours


This program can help families achieve financial goals, including:

  • Increasing your income and reducing expenses
  • Creating and tracking a realistic budget
  • Accessing and understanding your free credit score
  • Managing debt repayment
  • Arranging a regular savings plan
  • Accessing savings for your children’s education

Program testimonials



“I feel more informed about how I'm spending my money, how money is flowing through, and how I can build towards my future. I have a pathway with all of this information, finding out about benefits that are going to give me and my family access to so much more support.”

How you can support

Every gift makes a lasting difference in our community


Ready to participate?



Please contact us to register.

Contact information

Narmisha Vinayagamoorthy

Financial Empowerment Social Worker

(416) 405-5042


815 Danforth Ave.
Toronto, ON
M4J 1L2




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