Partner with KOFE

and increase your employees’ productivity by reducing financial stress

Find out How

KOFE's financial coaching

promotes financial stability to clients and employees

Learn More

Partner with KOFE

to fulfill your community educational requirements

Get Details

Financial hardship

is the number one reason for low productivity and absenteeism at work

See the cost

Welcome to KOFE

Seminars and Webinars

KOFE’s financial coaches can help your employees and clients maximize their financial expertise with live webinars or on-location seminars. Learn identity protection skills, create budgets, improve retirement planning or rebuild your credit – at your computer or in a relaxing classroom-style atmosphere.

Financial Tools

Clients and employees can choose from an array of tools depending on their preference. From publications to videos or personal conversations, these options encourage learning at a gradual pace. They also provide the comfort and ease-of-use that enriches the educational experience.

Financial Coaching

KOFE only employs qualified financial coaches who are available full-time when employees and clients require assistance. They deliver customized advice on budgeting, reading credit reports and several other personal financial matters. Needs vary, and our coaches tailor solutions that fit those needs.

Interactive Courses

Our interactive courses offer flexibility and immediate feedback. Clients and employees can take financial education courses from any location and evaluate their educational experience once they finish the test at the end of the course. KOFE’s friendly user-experience also improves learning retention.

Being embarrassed about my financial situation, I was nervous but I’ve been treated in a very pleasant, respectful manner and was quickly put me at ease. They were very knowledgeable about helping me solve my financial problems and explained things clearly giving me many suggestions as to how to deal with this issue. I am looking forward to implementing some of their suggestions and solving my financial issues. Thank You!

Judy Sinclair

I’m so happy that I came to talk to one of your representatives! They explained how I can get out of my debts. Now I have less worries and looking forward to a better future. I am certainly going to recommend this to my family, friends and co-workers. Thank you.

Roselen Vina

I turned to Consolidated Credit Counseling Services of Canada when I knew I couldn't dig myself out of my debt on my own. I was rejected by the bank for a consolidated debt loan and was feeling helpless. Because of Consolidated, I’ve managed to gain control of my debt and pay it off in a realistic time frame. I am so appreciative of them!

Christina L

You helped me when no one else would! I’ve managed to move forward in dealing with my credit issues. Consolidated Credit was quick to help me deal with my creditors which lifted a huge load off my shoulders. All I can say is thank you consolidated credit!

Mona

The counsellors I’ve worked with have been very understanding and helpful. There’s no judgement but an intention to help us get back to zero debt.

JoAnne

Making the call to start the process to get back on my own feet was not just financially helpful but helped my mental health as well because I was always stressed! Now I have control again, sleep better and I’m moving forward. Everyone has been supportive, kind and helpful.

Ann

Consumer Debt and Financial Literacy Statistics for Canadian Households

Canadians now owe $1.82 for every $1 they have to spend in disposable income. 31.2 million Canadians now have access to at least one credit product.

Statistics Canada & TransUnion Canada
The average Canadian consumer now owes about $21,131 in non-mortgage debt. Non-mortgage debt had decreased during the pandemic; however, it has now returned to pre-pandemic debt levels.

Equifax Canada
Inflation was a major news story in 2022 and peaked to a 40-year high, 8.1%. By the end of 2023, the price of consumer goods and services continued rising by 3.4% while worker wages rose by 5.4%.

Statistics Canada
Only two-thirds (68%) of Canadian households are spending less than or equal to their monthly income. Compared to 78% in 2020, it is clear that more households are struggling to make ends meet.

Financial Consumer Agency of Canada

63% of Canadians say that their financial behaviours from years past have negatively impacted their current financial confidence. In the past, they wished they had avoided overspending and credit card debt, invested at a younger age, and asked more financial questions.

Interac
Nearly a quarter of Canadians are financial vulnerable and living paycheque to paycheque.

Bank of Canada
53% of Canadians said their level of stress increased over the past 12 months while over one-third (35%) believe finances control their life.

Financial Consumer Agency of Canada

Less than half of Canadians describe themselves as financially knowledgeable.

Financial Consumer Agency of Canada
84% of employees are interested in their workplace offering financial education programs.

Canadian Payroll Association (CPA)
Study shows that nearly half of all financially stressed employees admit to spending at least 3 hours per week on their financial issues at work.

Pricewaterhouse Coopers Canada (PwC)

Partner with KOFE

and increase your employees’ productivity by reducing financial stress

KOFE's financial coaching

promotes financial stability to clients and employees

Partner with KOFE

to fulfill your community educational requirements

Financial hardship

is the number one reason for low productivity and absenteeism at work

Welcome to KOFE

Seminars and Webinars

Financial Tools

Financial Coaching

Interactive Courses

Client Reviews

Consumer Debt and Financial Literacy Statistics for Canadian Households