The free financial advice is being offered for American Savers through the FPA's National Financial Planning Support Center to American Savers. Savers will communicate with a Support Center Specialist who will forward questions/needed information to a planner. The planner will contact the Saver and arrange a convenient time to converse by phone or e-mail.

In most cases, the planner will be from the same area as the Saver so there will be no long-distance phone charge. When the planner and Saver live in different areas, the Saver must cover the cost of the long-distance phone call.

The volunteer participating planners must agree to sign a letter of understanding that says he/she will meet all regulatory and ethical obligations including but not limited to those imposed by the SEC, state securities and insurance regulators and, if applicable, the Certified Financial Planner Board of Standards. In addition, these planners must agree to provide financial advice for free and "not pursue a continued financial planning business relationship unless proactively requested by the participant." In the Cleveland Saves demonstration project for America Saves, nearly 30 planners have provided a similar service to Cleveland Savers, who have expressed only satisfaction and voiced no complaints about the service.