Financial Counseling is contrasted with Financial Advising in that:

I. Financial Counseling is seen as a distinct approach to help consumers change their financial behavior and resulting outcomes.

II$.($Financial$)$ Counseling is a tool for constructive change that can equip individuals to help make wise decisions and achieve financial security.

III. Financial Advisors main goal is to "work themselves out of a job" by empowering the client to be financially self$-$sufficient.

IV$.$ Financial counselors are change experts who aid their clients in changing income, expenses. Behaviors, and patterns of communication about money or problem$-$solving methods.