Rivers of Blessings investment services limited financial education program helps clients improve their ability to manage their personal and household finances and become informed and effective consumers of financial services. The core financial management skills provided in our programs allow low-income clients to move beyond credit management to access and effectively use important asset-building tools such as savings and insurance. Rivers of Blessings investment services limited programs is targeted at low-income household members with low levels of education and includes courses on financial planning, cash flow management, budgeting, investing, insurance, savings and debt. Financial literacy is also a critical component of consumers protections, creating knowledgeable clients who can more be effectively use financial services and avoid the risk of over-indebtedness.