LISC National
Our Work

Financial Opportunity Centers

Financial Opportunity Centers (FOCs) are career and personal finance service centers that help low- to moderate-income people build smart money habits and focus on the financial bottom line. They provide employment and career counseling, one-on-one financial coaching and education and low-cost financial products that help build credit, savings and assets. They also connect clients with income supports such as food stamps, utilities assistance and affordable health insurance.

The cornerstone of the FOC model is providing these services in an integrated way—rather than as stand-alone services—and with a long-term commitment to helping clients reach their goals.

We’ve learned that integrated or “bundled” services lead to concrete gains in net income and job retention. Research shows that FOC clients who take advantage of combined services are 50 percent more likely to land a well-paying job than people receiving employment services alone. And long-term job retention—holding a job for a year or more—almost doubles when financial coaching reinforces the work of employment counseling.

"Compared to people in programs offering employment assistance alone, FOC clients are more likely to be employed year-round , reduce non-asset-related debt, and build positive credit histories."
— Economic Mobility Corporation

We support FOCs at Jewish Vocational Services and the Roxbury Center for Financial Empowerment, both conveniently located, trusted local organizations known for their history of providing quality services.

Mapping a Road to Financial Well-Being

Our summary of the Mobility study

Read the Summary
First Steps on the Road to Financial Well-Being

An independent study by the Economic Mobility Corporation shows LISC's Financial Opportunity Centers program surpasses other programs.

    Read the Study
    Building Sustainable Communities Report

    Research on the efficacy of our Financial Opportunities Center model

    Read the Report


    Karleen Porcena