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BUILD: Asset Building & Resource Access Program

WCC's BUILD program helps to increase financial stability for working seniors and families through matched savings, financial education, and holistic support.

Matched Savings Account

Matched Savings - The BUILD program helps you build emergency savings by matching funds you put into a savings account. A special account is opened at Bank of Hawaii where WCC will match your deposits 1:1 up to a maximum of $1,000 per family or individual over a 10- to 12-month period.

Financial Education

Free Financial Education: To help understand and build financial stability clients agree to participate in a variety of financial education sessions such as budgeting, accessing loans, and building credit/repair.

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Holistic Support

Holistic Support – The BUILD program will support you with regular check-ins and assist you through challenges that arise to help you avoid drawing from your savings. We coordinate a variety of resources and services for clients to become and stay financially stable. WCC works closely with clients to address multiple needs, help with crisis, and devise strategies to increase income and/or decrease expenses through accessing public and private benefits.

Aloha United Way (AUW)

ALICE 2023 Income Guidelines

1 Person Household
Monthly Income $3,300
Annual Income $40,000

2 Person Household
Monthly Income $5,700
Annual Income $68,400

3 Person Household
Monthly Income $7,800
Annual Income $93,600

4 Person Household
Monthly Income $9,600
Annual Income $115,200

5 Person Household
Monthly Income $11,600
Annual Income $139,200

6 Person Household
Monthly Income $13,700
Annual Income $164,400

ALICE 2023 Senior Income Guidelines

1 Senior Person Household
Monthly Income $3,600
Annual Income $43,200

2 Senior Person Household
Monthly Income $5,600
Annual Income $67,200


  • Working full-time consistently for at least three months and have regular earned income (wages or salary)

  • Asset/Net Worth limits may apply

  • Agree to participate in free financial education

  • Hawaii residency

*Preference will be given to working families and adults age 50+

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To apply:

Complete an application and submit via email to the BUILD Program Manager (contact below).


Contact: Pamela Seelig, BUILD Program Manager

808.923.1802, ext. 107


BUILD targets ALICE [Asset Limited Income Contrained Employed], working individuals and families who are employed, even with multiple jobs, yet live paycheck-to-paycheck, struggling to make ends meet. ALICE earns income above the federal poverty level and therefore often does not qualify for many government assistance programs. 

A 2020 Aloha United Way (AUW) study found that 42% of Hawaii's households were at ALICE income levels and below. For more information about ALICE in Hawaii, go to

WCC's BUILD program is funded in part through the Aloha United Way (AUW) and Hawaii Community Foundation (HCF) who have partnered to administer the 2022-24 ALICE initative.

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