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Personal Finance Center of Polk County

211 NW First Avenue

Mulberry, FL  33860

(863) 425-1523

Our mission:   To create financially stable households through financial education.


The Personal Finance Center (PFC) of Polk County is located at the Mulberry Community Service Center, and serves the residents of Polk, Hardee, and Highlands counties.  We offer a comprehensive Financial Stability Program that includes financial classes, coaching, credit restoration, and income tax preparation. 

Because of the generous funding of the United Way of Central Florida, the Personal Finance Center always provides our services free of charge.


Our Financial Stability Program

Our Program is designed to educate, coach, and empower participants on their journey to financial stability and self-sufficiency.  The pillars of our Program are free financial classes; financial incentives to encourage systematic saving and personal development; coaching in the areas of personal finance and credit repair; and free tax preparation.

Financial Classes

Free financial education is the cornerstone of our Financial Stability Program.  We host live classes throughout the year in various locations within Polk, Hardee, and Highland counties.  The classes are a series of four sessions in a comfortable, non-judgmental environment that will teach you how to be smarter with your money no matter what your circumstances.  We cover how to budget, get out of debt, save and invest, and improve credit reports.  If you are unable to attend live classes, the curriculum is also available online.  We also have a Young Adult and Spanish curriculum.  And, we provide free breakfast, dinner, or lunch at each session!  See our Financial Classes page for our current class schedule.

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Congratulations to one of the graduating classes at the Mulberry Community Service Center location! 

Now they are ready to work on earning their financial incentives.

Upon registering with us and completing the four live sessions or the online classes, participants are eligible for the following financial incentives and free coaching.

Incentives Available to Graduates:

$150 Savings Match Incentive:  When a graduate increases their savings by $300 they receive an incentive match up to $150. 

Job Credentialing Scholarships:  (Must complete $300 savings to be eligible.)  Up to $300 tuition will be paid directly to the vendor after the client has successfully completed the credentialing program they are pursuing.  We have current partnerships with local healthcare trainers and vocational schools.  See our Success Stories page to read about clients we have helped to obtain job credentials!

$2,000 Savings for Assets Matching Grant:  (Must complete $300 savings to be eligible.)  This program is funded by United Way of Central Florida (UWCF) and has income guidelines for eligibility.  Participants save up to $2,000 within three years to buy their first home, attend college or trade school, purchase reliable work transportation, or start a small business, and we will match up to $2,000.  Our payment will be issued directly to vendor.  Participants must be in the program for a minimum of six months to receive funds.  See our Success Stories page to find out how we helped a couple get into a new home!

Coaching and Other Financial Services
  • Free Financial Coaching available throughout service area.  Our Financial Stability Coaches are trained by the FDIC to deliver training to help participants build financial skills through knowledge and practice.  For more information, see our Financial Coaching page.

  • Free Credit Counseling available throughout service area.  Our Financial Stability Coaches are certified by the Credit Consultants Association as Credit Consultants and Credit Repair Specialists.  For more information, see our Credit Restoration page.

  • Free Tax Preparation available throughout service area.  Our Financial Stability Coaches are certified by the Internal Revenue Service after passing the VITA/TCE Advanced Certification Course.  For more information, see our Tax Preparation page.


Our Basic Needs Program

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In addition to the Personal Finance Center, the Mulberry Community Service Center has a Basic Needs Program to respond to urgent financial needs (such as food, utility bills, clothing) for residents of Mulberry, Bradley, Pierce, Willow Oak, Nichols, and the Lakeland 33813 zip code.  For more information on the Basic Needs Program, and to download an application for assistance, visit the Mulberry Community Service Center website at

Our Staff

Our Executive Director, Tarrel Davis, has put together an extremely qualified and motivated staff that is eager to help you on your journey to financial stability!

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Tarrel Davis, Executive Director


Tarrel has a B.S. in Business Administration and a B.A. in Theology.  He worked 20 years in the food and consumer products industry as a customer service and logistics manager.  Tarrel believes that with faith, determination, and a positive attitude, you can accomplish anything.  During his time off, Tarrel enjoys walking, golfing, and home improvement projects.


Now hiring:  Basic Needs Coordinator, 


Our Basic Needs Coordinator greets the clientele; runs our Thrift Store; administers our mobile food pantry with Feeding Tampa Bay; assists clientele with basic needs such as housing (with the Homeless Coalition), utility bills, and rent; responsible for record-keeping and reporting these activities.  If interested, please see job announcement on Indeed or contact us.


Suzanne Howe, Financial Stability Coach


Suzanne has a BBA in Accounting with a minor in Spanish.  She retired after 31 years as a defense contract auditor, an instructor, and an Inspector General investigator with the Department of Defense.  Suzanne is driven to help people change their financial destiny by avoiding or getting out of debt, and actively working a plan to achieve their goals and dreams.  During her time off, Suzanne is usually on a horse.

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Jennifer Olivas, Financial Stability Coach


Jennifer has a B.S. in Psychology, M.A. in Forensic Psychology, and is pursuing an M.A. in Clinical Mental Health Counseling.  Jennifer is driven by showing her clients how to do better with what they have, motivating them to see and maximize their potential to move up, and watching them find peace and stability in life.  Jennifer spends her time off studying and living life with her family, hiking and exploring.