CA$H Maine

Creating Assets, Savings & Hope

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Lewiston Armory VITA, Lewiston

65 Central Ave, Lewiston

Appointments: Feb 1-April 8, Thursdays- 4pm-8pm and Saturdays- 9am-2pm

Contact 2-1-1 for more information.
Ask for LA Cash Sites

We are offering minimal-contact tax preparation assistance for the upcoming tax season called Virtual Scan & Go service. No walk-ins. Appointments only please due to Covid.
Masks required.

How it works: Schedule a 30 min appointment for our Scan & Go service. No walk-ins please! We will meet one-on-one with filers to get their tax paperwork, ID information, etc. scanned in. We will schedule a follow up appointment (by phone or in person) to review the completed return. Once reviewed and approved, we will e-file each return.

207-333-6419

Housing Authority City of Old Town FSS Center

Appointments: Feb 14-April 8, generally M-Th 8-4:30 and Fri 8am–noon.

We will have a Scan and Go site that is located at L7 Anderson Lane, Old Town. Phone 827-1309 to make an appointment and for communications. This is the HACOT FSS Center. We can take one client at a time. No walk-ins. Appointments only please due to Covid. Masks required.

We are offering minimal-contact tax preparation assistance for the upcoming tax season called a Drop off/Scan/Pick up service. Come to our site any time to pick up a tax packet from our outdoor pick up box. When your packet is complete, you will need to make an appointment for 2—30 minute timeframe to drop off your paperwork with us and allow us to check ID’s, scan your materials and do other necessary paperwork. We will call you when they are done by the preparers to return for review and finalization of your return and we will notify preparers that they are ready to be e-filed.

FSS Center, L7 Anderson Lane, Old Town, ME 04468
For appointment call:

207-827-1309

Cony High School, Augusta

Appointments: Tuesday evenings 5pm-8pm in February and March

We are offering minimal-contact tax preparation assistance for the upcoming tax season called Virtual Scan & Go service.

How it works: Schedule an appointment for our Scan & Go service. No walk-ins please! We will meet one-on-one with filers to get their tax paperwork, ID information, etc. scanned in. We will schedule a follow up appointment (by phone or in person) to review the completed return. Once reviewed and approved, we will e-file each return.

207-621-3430

Skowhegan High School, Skowhegan

Tax appointments will be Wednesday evenings in February and March, from 5 – 8pm and several Saturdays from 9am – noon. There will be no appointments during the week of Feb 21st.

We are offering minimal-contact tax preparation assistance for the upcoming tax season called Virtual Scan & Go service.

How it works:
Schedule an appointment for our Scan & Go service. No walk-ins please! We will meet one-on-one with filers to get their tax paperwork, ID information, etc. scanned in. We will schedule a follow up appointment (by phone or in person) to review the completed return. Once reviewed and approved, we will e-file each return.

207-621-3430

Penquis CAP Inc., Lincoln

Tax appointments will be on Tuesdays from 9 to 3 starting February 15.

You may pick up a packet any time our offices are open – Monday – Friday from 8:00am to 4:30pm

Car-side service: 1. Come to our location to get a packet any time we’re open 2. When you are ready to return your completed packet, call 211 to make an appointment. 3. On the day of your appointment, you can wait in your car while we scan your documents.

207-944-2632

Penquis CAP Inc., Dover-Foxcroft

Appointments: Thursdays 9am to 12:30pm and 1pm to 3pm starting Feb 17.

You may pick up a packet any time our offices are open – Monday – Friday from 8:00am to 4:30pm

Car-side service: 1. Come to our location to get a packet any time we’re open 2. When you are ready to return your completed packet, call 211 to make an appointment. 3. On the day of your appointment, you can wait in your car while we scan your documents.

207-944-2632

Penquis CAP Inc., Bangor

Appointments: Wednesdays and Fridays from 9am to 3pm starting Feb 16.

You may pick up a packet any time our offices are open – Monday – Friday from 8:00am to 4:30pm

Car-side service: 1. Come to our location to get a packet any time we’re open 2. When you are ready to return your completed packet, call 211 to make an appointment. 3. On the day of your appointment, you can wait in your car while we scan your documents.

207-944-2632

Orono Public Library, Orono

Appointments: Monday, Tuesday, Thursday and Friday from 10am to 1pm from Feb 14-April 8.

You may pick up a packet during this location’s open hours: Monday, Wednesday and Friday from 10am -5pm; Tuesday and Thursday from 10am to 7pm; Saturdays from 10am to 3pm.

Drop off/Pick up service: 1. Pick up a tax packet during this location’s open hours (10am -5pm Monday, Wednesday and Friday; 10am-7pm Tuesday and Thursday; and Saturdays 10am to 3pm.) 2. Schedule a 20-30 minute appointment to drop off your completed paperwork with us and allow us to check IDs. We’ll make a second appointment for you to come back at the same exact time one week later to pick up your paperwork and finalize your return.

207-866-5060

Waldo CAP, Belfast

You can pick up a packet any time from 8:30am-4pm M-F.

Appointments: 2/17 – 4/8 Thursdays 9am-3pm.

Car-side service: 1. Come to our location at 9 Field St. Belfast, Suite 201 from 8:30-4pm M-F to pick up a packet. 2. When you are ready to return your completed packet, call 211 to make an appointment. 3. On the day of your appointment, you can wait in your car while we scan your documents.

207-338-6809

Wabanaki Free Tax Prep – Calais

Appointments: February 23rd and March 23rd from 10am to 4pm

We are offering in-person and minimal-contact tax preparation assistance for the upcoming tax season.

How it works:

Car-side or Scan & Go service: 1. We’ll mail you an intake packet when you make your appointment. 2. No walk-ins please! On the day of your scheduled appointment, you may come inside our site or we will meet you at your car or to get your tax paperwork, ID information, etc. scanned in. You will have the option to wait for your return or come back later to pick it up.

In-person service: 1. We’ll mail you an intake packet when you make your appointment. 2. At your appointment time, arrive at our office with any intake paperwork completed in advance, as well as all required identification and tax documents for each person on your return. Volunteers will greet you and let you know when it is time to come inside to meet with an IRS-certified volunteer tax preparer.

207-866-6545

Wabanaki Free Tax Prep – Machias

Appointments: February 25th and March 25th from 9am to 4pm

We are offering minimal-contact tax preparation assistance for the upcoming tax season called Virtual Car-side Scan & Go service.

Car-side service: 1. We’ll mail you an intake packet when you make your appointment. 2. No walk-ins please! On the day of your scheduled appointment, we will meet you at your car to get your tax paperwork, ID information, etc. scanned in. You will have the option to wait for your return or come back later to pick it up.

207-866-6545

Aroostook County Action Program, Houlton

In-person appointments: February 19 and March 19 from 10am-4pm.

We are offering two Saturdays of In-Person Appointments from 10 until 4 or you have the option to have your documents scanned and participate virtually. Please call 211 to make an appointment for in-person tax preparation assistance at this site.

Drop-in Scan and go hours (no appointment needed): You can bring your documents to be scanned from February 1 to April 8 from 8am until 5pm.
Have your documents scanned and participate virtually. Bring all documents to be scanned into our virtual system and fill out the intake forms. After your taxes have been prepared virtually you will receive a phone call from one of our tax preparers to go over the return before they e-file it. After you can pick up a copy of your filed return.

Required documents: Photo ID (driver’s license, passport) and Social Security card for yourself, and social security card for anyone on the return, including your spouse and any child you are claiming, Tax and Income information forms such as W-2, SSI (Supplemental Security Income) or SSDI (Social Security Disability Income), 1099, 1098 (Interest and Investment Income Statements from the bank), and 1095A, 1095B, 1095C Forms (Proof of Health Insurance) OR Maine Care/Medicare cards. If you rent, you will need the landlord’s name, number, and how much you paid for rent in 2021. If you own property, you need the amount you paid for property tax in 2021. You will also need to know whether or not you received stimulus/economic impact payments and amounts (Letter 6475, Your 2021 Economic Impact Payment) and amounts of Advance Child Tax Credit received (Letter 6419 2021 Total Advance Child Tax Credit Payments).

207-532-5300

Aroostook County Action Program, Fort Kent

In-person appointments February 26 and March 26 from 10-4pm.

We are offering two Saturdays of In-person Appointments from 10 until 4 or you have the option to have your documents scanned and participate virtually. Please call 211 to make an appointment for in-person tax preparation assistance at this site.

Drop-in Scan and go hours (no appointment needed): February 1 until April 8 from 8am until 5pm.

Have your documents scanned and participate virtually. Bring all documents to be scanned into our virtual system and fill out the intake forms. After your taxes have been prepared virtually you will receive a phone call from one of our tax preparers to go over the return before they e-file it. After you can pick up a copy of your filed return.

Required documents: Photo ID (driver’s license, passport) and Social Security card for yourself, and social security card for anyone on the return, including your spouse and any child you are claiming, Tax and Income information forms such as W-2, SSI (Supplemental Security Income) or SSDI (Social Security Disability Income), 1099, 1098 (Interest and Investment Income Statements from the bank), and 1095A, 1095B, 1095C Forms (Proof of Health Insurance) OR Maine Care/Medicare cards. If you rent, you will need the landlord’s name, number, and how much you paid for rent in 2021. If you own property, you need the amount you paid for property tax in 2021. You will also need to know whether or not you received stimulus/economic impact payments and amounts (Letter 6475, Your 2021 Economic Impact Payment) and amounts of Advance Child Tax Credit received (Letter 6419 2021 Total Advance Child Tax Credit Payments).

207-834-5135

United Way of Aroostook, Presque Isle

In-person appointments will be scheduled for every Tuesday and Wednesday from noon-5pm from February 1 to April 6

We are offering in person appointments on Tuesdays and Wednesdays from noon until 5pm or you have the option to have your documents scanned and participate virtually at the Aroostook County Action Program in Presque Isle during their regular business hours.

In-person appointments: Please call 211 to make an appointment for in-person tax preparation assistance at this site. At your appointment time, arrive at our office with all required identification and tax documents for each person on your return.

207-764-5197

Eastern Maine CA$H Online Tax Preparation

Take a picture of your tax documents (or scan them) and securely send them to our tax preparers online through GetYourRefund.

A volunteer will contact you to get the process started and then one of our trained, IRS-certified volunteers will prepare and double-check your tax return to make sure it is correct before filing.

Waterville High School, Waterville

Appointments: Monday evenings 5pm-8pm in February and March. No appointments on Feb 21.

We are offering minimal-contact tax preparation assistance for the upcoming tax season called Virtual Scan & Go service.

How it works: Schedule an appointment for our Scan & Go service. No walk-ins please! We will meet one-on-one with filers to get their tax paperwork, ID information, etc. scanned in. We will schedule a follow up appointment (by phone or in person) to review the completed return. Once reviewed and approved, we will e-file each return.

207-621-3430

Free Tax Prep United Way of Mid Coast Maine, Bath

Appointments: Tuesdays 9 to 4 and Thursdays 3pm-8pm.

Pick up a packet from our vestibule any time from 8am-4pm M-F

Car-side service: 1. Before your appointment, come to to get a packet from the vestibule of our offices at 34 Wing Farm Parkway, Bath, ME 04530. The vestibule is open from 8:00 until 4:00 M-F and a mask must be worn to enter the building. 2. When you are ready to return your completed packet, call 211 to make an appointment. 3. On the day of your appointment, you can wait in your car while we scan your documents.

(207) 751-3756

United Way of the Tri-Valley Area, Farmington

Appointments: Monday-Thursday 9am-3pm and Saturday 9am-2pm

We are offering minimal-contact tax preparation assistance for the upcoming tax season called Virtual Scan & Go service.

How it works:
Schedule an appointment for our Scan & Go service. No walk-ins please! We will meet one-on-one with filers to get their tax paperwork, ID information, etc. scanned in. We will schedule a follow up appointment (by phone or in person) to review the completed return. Once reviewed and approved, we will e-file each return.

In-person service: 1. Come to our location to get a packet any time we’re open 2. When you are ready to return your completed packet, call 211 to make an appointment for in-person tax preparation assistance at this site.

207-778-5048

Aroostook County CA$H Online Tax Preparation

Take a picture of your tax documents (or scan them) and securely send them to our tax preparers online through GetYourRefund.

A volunteer will contact you to get the process started and then one of our trained, IRS-certified volunteers will prepare and double-check your tax return to make sure it is correct before filing.

207-764-5197

cPort Credit Union – Rte 1 Scarborough Branch

313 US Rte 1, Scarborough

Tuesdays, Wednesdays, and Thursdays, 8am-5pm starting February 1.
No appointments necessary.

Walk-In Scan & Go service: Clients may visit this site to pick up an intake packet to bring home and complete. Clients then return to have completed documents scanned into our virtual system during the specified days and hours listed for this location (no appointment needed) and, after they have been prepared virtually, can return to pick up and sign off on a printed copy of the return before we e-file it. 

207-347-2335

cPort Credit Union – Riverside Industrial Parkway Branch

50 Riverside Industrial Parkway, Portland

Tuesdays, Wednesdays, and Thursdays, 8am-5pm starting February 1.
No appointments necessary.

Walk-In Scan & Go service: Clients may visit this site to pick up an intake packet to bring home and complete. Clients then return to have completed documents scanned into our virtual system during the specified days and hours listed for this location (no appointment needed) and, after they have been prepared virtually, can return to pick up and sign off on a printed copy of the return before we e-file it. 

207-347-2335

cPort Credit Union – Middle Street Branch

35 Middle Street, Portland

Tuesdays, Wednesdays, and Thursdays, 8am-5pm starting February 1
No appointments are necessary.

Walk-In Scan & Go service: Clients may visit this site to pick up an intake packet to bring home and complete. Clients then return to have completed documents scanned into our virtual system during the specified days and hours listed for this location (no appointment needed) and, after they have been prepared virtually, can return to pick up and sign off on a printed copy of the return before we e-file it. 

207-347-2335

cPort Credit Union – Forest Ave Branch

285 Forest Ave, Portland

Tuesdays, Wednesdays, and Thursdays, 8am-5pm starting February 1.
No appointments necessary.

Walk-In Scan & Go service: Clients may visit this site to pick up an intake packet to bring home and complete. Clients then return to have completed documents scanned into our virtual system during the specified days and hours listed for this location (no appointment needed) and, after they have been prepared virtually, can return to pick up and sign off on a printed copy of the return before we e-file it. 

207-347-2335

Sagamore Village (Portland Housing Authority) Scan & Go

21 Popham Street, Portland

Tuesdays, 9am-1pm and Thursdays, 2pm-6pm, starting February 1.
No appointments necessary.

Walk-In Scan & Go service: Clients may visit this site to pick up an intake packet to bring home and complete. Clients then return to have completed documents scanned into our virtual system during the specified days and hours listed for this location (no appointment needed) and, after they have been prepared virtually, can return to pick up and sign off on a printed copy of the return before we e-file it. 

207-221-8069

Central Maine CA$H Online Tax Preparation

Take a picture of your tax documents (or scan them) and securely send them to our tax preparers online through GetYourRefund.

A volunteer will contact you to get the process started and then one of our trained, IRS-certified volunteers will prepare and double-check your tax return to make sure it is correct before filing.

Wabanaki Free Tax Prep – FDDC, Orono

February 11th, March 11th and April 8th from 9am to 4pm

We are offering in-person and minimal-contact tax preparation assistance for the upcoming tax season.

How it works:

Car-side or Scan & Go service: 1. We’ll mail you an intake packet when you make your appointment. 2. No walk-ins please! On the day of your scheduled appointment, you may come inside our site or we will meet you at your car or to get your tax paperwork, ID information, etc. scanned in. You will have the option to wait for your return or come back later to pick it up.

In-person service: 1. We’ll mail you an intake packet when you make your appointment. 2. At your appointment time, arrive at our office with any intake paperwork completed in advance, as well as all required identification and tax documents for each person on your return. Volunteers will greet you and let you know when it is time to come inside to meet with an IRS-certified volunteer tax preparer.

207-866-6545

Wabanaki Free Tax Prep – Houlton Band of Maliseet Indians, Houlton

Appointments: February 9th and March 9th from 9am to 4pm

We are offering in-person and minimal-contact tax preparation assistance for the upcoming tax season.

How it works:

Car-side or Scan & Go service: 1. We’ll mail you an intake packet when you make your appointment. 2. No walk-ins please! On the day of your scheduled appointment, you may come inside our site or we will meet you at your car or to get your tax paperwork, ID information, etc. scanned in. You will have the option to wait for your return or come back later to pick it up.

In-person service: 1. We’ll mail you an intake packet when you make your appointment. 2. At your appointment time, arrive at our office with any intake paperwork completed in advance, as well as all required identification and tax documents for each person on your return. Volunteers will greet you and let you know when it is time to come inside to meet with an IRS-certified volunteer tax preparer.

207-866-6545

Wabanaki Free Tax Prep – Pleasant Point

February and March 24th from 9am to 4pm

We are offering in-person and minimal-contact tax preparation assistance for the upcoming tax season.

How it works:

Car-side or Scan & Go service: 1. We’ll mail you an intake packet when you make your appointment. 2. No walk-ins please! On the day of your scheduled appointment, you may come inside our site or we will meet you at your car or to get your tax paperwork, ID information, etc. scanned in. You will have the option to wait for your return or come back later to pick it up.

In-person service: 1. We’ll mail you an intake packet when you make your appointment. 2. At your appointment time, arrive at our office with any intake paperwork completed in advance, as well as all required identification and tax documents for each person on your return. Volunteers will greet you and let you know when it is time to come inside to meet with an IRS-certified volunteer tax preparer.

207-866-6545

Wabanaki Free Tax Prep – Aroostook Band of Micmacs – Presque Isle

Appointments: February 8th and March 8th from 10am to 5pm

We are offering in-person and minimal-contact tax preparation assistance for the upcoming tax season.

How it works:

Car-side or Scan & Go service: 1. We’ll mail you an intake packet when you make your appointment. 2. No walk-ins please! On the day of your scheduled appointment, you may come inside our site or we will meet you at your car or to get your tax paperwork, ID information, etc. scanned in. You will have the option to wait for your return or come back later to pick it up.

In-person service: 1. We’ll mail you an intake packet when you make your appointment. 2. At your appointment time, arrive at our office with any intake paperwork completed in advance, as well as all required identification and tax documents for each person on your return. Volunteers will greet you and let you know when it is time to come inside to meet with an IRS-certified volunteer tax preparer.

207-866-2019

Midcoast Maine CA$H Online Tax Preparation

Take a picture of your tax documents (or scan them) and securely send them to our tax preparers online through GetYourRefund.

A volunteer will contact you to get the process started and then one of our trained, IRS-certified volunteers will prepare and double-check your tax return to make sure it is correct before filing.

Aroostook County Action Program, Presque Isle

Walk-in Scan and Go: No appointment needed. Have your documents scanned and participate virtually. Bring all documents to be scanned into our virtual system and fill out the intake form. After your taxes have been prepared virtually you will receive a phone call from one of our tax preparers to go over the return before they e-file it. After you can pick up a copy of your filed return.

Drop-in Scan and go hours (no appointment needed): You can bring your documents to be scanned from February 1 to April 8 from 8am until 5pm.

Required documents: Photo ID (driver’s license, passport) and Social Security card for yourself, and social security card for anyone on the return, including your spouse and any child you are claiming, Tax and Income information forms such as W-2, SSI (Supplemental Security Income) or SSDI (Social Security Disability Income), 1099, 1098 (Interest and Investment Income Statements from the bank), and 1095A, 1095B, 1095C Forms (Proof of Health Insurance) OR Maine Care/Medicare cards. If you rent, you will need the landlord’s name, number, and how much you paid for rent in 2021. If you own property, you need the amount you paid for property tax in 2021. You will also need to know whether or not you received stimulus/economic impact payments and amounts (Letter 6475, Your 2021 Economic Impact Payment) and amounts of Advance Child Tax Credit received (Letter 6419 2021 Total Advance Child Tax Credit Payments).

207-764-3721

Wabanaki CA$H Online Tax Preparation

Take a picture of your tax documents (or scan them) and securely send them to our tax preparers online through GetYourRefund. 
A volunteer will contact you to get the process started and then one of our trained, IRS-certified volunteers will prepare and double-check your tax return to make sure it is correct before filing.

207-866-2019

CA$H Greater Portland Online Tax Preparation

Take a picture of your tax documents (or scan them) and securely send them to our tax preparers online through GetYourRefund.

A volunteer will contact you to get the process started and then one of our trained, IRS-certified volunteers will prepare and double-check your tax return to make sure it is correct before filing.

Lewiston/Auburn CA$H Online Tax Preparation

Take a picture of your tax documents (or scan them) and securely send them to our tax preparers online through GetYourRefund.

A volunteer will contact you to get the process started and then one of our trained, IRS-certified volunteers will prepare and double-check your tax return to make sure it is correct before filing.

Western Maine CA$H Online Tax Preparation

Take a picture of your tax documents (or scan them) and securely send them to our tax preparers online through GetYourRefund.

A volunteer will contact you to get the process started and then one of our trained, IRS-certified volunteers will prepare and double-check your tax return to make sure it is correct before filing.

207-778-7954

York County CA$H Online Tax Preparation

Take a picture of your tax documents (or scan them) and securely send them to our tax preparers online through GetYourRefund.

A volunteer will contact you to get the process started and then one of our trained, IRS-certified volunteers will prepare and double-check your tax return to make sure it is correct before filing.

207-324-5762 ext. 2718 or 1-800-965-5762 ext. 2718

York County YCCAC, Biddeford (Tax Season Only)

We are offering minimal-contact tax preparation assistance for the upcoming tax season called Drop & Go service. Please call before arriving.

How Drop & Go Service works: 1. Call 207-324-5762 ext. 2718 on the day you plan to drop off your paperwork. No walk-ins please! 2. Drop off your paperwork with us and allow us to check IDs. 3. We will contact you by phone to review the completed return. Once reviewed and approved, we will e-file each return and you can pick up your documents. For complete list of required documents and ID, see the Requirements section of this listing.

Required documents: Photo ID (driver’s license, passport) and Social Security card for yourself, and social security card for anyone on the return, including your spouse and any child you are claiming, Tax and Income information forms such as W-2, SSI (Supplemental Security Income) or SSDI (Social Security Disability Income), 1099, 1098 (Interest and Investment Income Statements from the bank), and 1095A, 1095B, 1095C Forms (Proof of Health Insurance) OR Maine Care/Medicare cards. If you rent, you will need the landlord’s name, number, and how much you paid for rent in 2021. If you own property, you need the amount you paid for property tax in 2021. You will also need to know whether or not you received stimulus/economic impact payments and amounts (Letter 6475, Your 2021 Economic Impact Payment) and amounts of Advance Child Tax Credit received (Letter 6419 2021 Total Advance Child Tax Credit Payments).

207-324-5762 x 2718

York County CCAC Sanford

We are offering minimal-contact tax preparation assistance for the upcoming tax season called Drop & Go service as well as in-person service.

How Drop & Go Service works: 1. Call 207-324-5762 ext. 2718 on the day you plan to drop off your paperwork. No walk-ins without calling first please! 2. Drop off your paperwork with us and allow us to check IDs. 3. We will contact you by phone to review the completed return. Once reviewed and approved, we will e-file each return and you can pick up your documents. For complete list of required documents and ID, see the Requirements section of this listing.

In-person service: In-person IRS-certified volunteer tax preparation appointments can be scheduled for clients who cannot use our Scan & Go preparation services. 1. Make an appointment for tax preparation. 2. At your appointment time, arrive at our office with all required identification and tax documents for each person on your return.

Appointments: Monday-Friday 9 AM- 4 PM

Required documents: Photo ID (driver’s license, passport) and Social Security card for yourself, and social security card for anyone on the return, including your spouse and any child you are claiming, Tax and Income information forms such as W-2, SSI (Supplemental Security Income) or SSDI (Social Security Disability Income), 1099, 1098 (Interest and Investment Income Statements from the bank), and 1095A, 1095B, 1095C Forms (Proof of Health Insurance) OR Maine Care/Medicare cards. If you rent, you will need the landlord’s name, number, and how much you paid for rent in 2021. If you own property, you need the amount you paid for property tax in 2021. You will also need to know whether or not you received stimulus/economic impact payments and amounts (Letter 6475, Your 2021 Economic Impact Payment) and amounts of Advance Child Tax Credit received (Letter 6419 2021 Total Advance Child Tax Credit Payments).

207-324-5762 x 2718

Need More Help?

Call 2-1-1 to find a site near you.

By calling 2-1-1, you will get connected to the closest CA$H Maine and AARP Tax-Aide free tax preparation sites to you. For those areas not connected to a CA$H Coalition, please visit the AARP Tax-Aide website for additional locations.

Want to schedule an appointment at a site near you?

Call 211 or Click Here

CA$H Maine is a statewide collaboration of ten coalitions, comprised of 50 non- and for-profit partners, working together to help empower Maine individuals and families to achieve long-term financial stability.