NEW HAVEN, Conn. - s4story -- Plootus, a free AI‑powered retirement planning platform and SEC‑registered investment adviser, today announced a partnership with the National Foundation for Credit Counseling (NFCC), the nation's largest and longest‑serving non‑profit credit counseling organization.

Total U.S. household debt reached $18.04 trillion in Q4 2025, with credit card balances surpassing $1.2 trillion. Approximately 60% of credit cardholders have been in debt for at least a year, and 42% of adults carry credit card debt month to month, with average balances between $6,000 and $10,000. While retirement planning builds savings, credit counseling helps consumers take control of debt. The partnership gives Plootus users a simple way to connect with certified counselors — helping them build debt‑free lives alongside retirement goals.

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"Retirement planning isn't just about saving — it's also about financial health," said Lisa Paine, Partnerships Manager at Plootus. "NFCC makes it easy for our users to get a no‑obligation financial assessment and a personalized action plan. It's a natural extension of helping Americans secure their financial future."

Through the partnership, Plootus users can connect with NFCC's non‑profit agencies at NFCC.org/Plootus. Certified counselors provide:

• No‑obligation financial assessment – A complimentary review of your financial picture.
• Personalized action plan – A roadmap to address your specific challenges.
• Debt management plans – Consolidate payments and lower interest rates.
• Budget and money management counseling – Practical tools for everyday decisions.
• Housing counseling – Foreclosure prevention, reverse mortgage, and rental assistance.

Whether facing credit card debt, struggling with a mortgage, or wanting a realistic view of your finances, NFCC makes the first step easy — and free.

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ABOUT PLOOTUS

Plootus is a free, AI-powered retirement planning platform that helps Americans analyze and optimize their 401k, 403b, 457, and other workplace retirement plans.

Analyze Future LLC (dba Plootus) is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training. For more information, visit www.plootus.com.

For more information, visit https://www.plootus.com/partners

Disclaimer: Analyze Future LLC (dba Plootus) (an SEC-registered investment advisor) may receive compensation for referrals to third-party products and services, listed on our Partners page. These referrals are for informational purposes only and do not constitute an endorsement or recommendation. Plootus has not conducted due diligence on, nor assumes responsibility for, any third-party offerings. Users are encouraged to evaluate these options independently before making any decisions.