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Take control of your financial future - enroll in our classes today.
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Enroll in our classes today to enhance your budgeting and debt management skills, and access online resources!
Contact Us
Let one of our Accredited Financial Counselors set you up for financial success.
Get money smart with the Financial Readiness Program (FRP).
We help Soldiers, Families, retirees, and DoW Civilians manage money wisely. Get solid advice on budgeting, saving, debt management, credit, retirement planning, and consumer protection. We also connect service members to financial assistance programs, such as Army Emergency Relief.
Financial Education and Training
Voluntary and mandatory classes cover budgeting, debt, investing, and more, including specialized training for military leaders. Access online resources to build financial knowledge at your own pace.
Master Your Money
Learn how to create a budget, save for emergencies, and spend wisely to avoid debt. Get tips on managing credit cards and reaching your financial goals.
Credit and Debt Management
Your credit score affects your financial future. Improve it with our tips on managing debt, getting free credit reports, and protecting yourself from fraud.
Retirement and Financial Planning
Do you understand the military’s Thrift Savings Plan (TSP) and Blended Retirement System (BRS)? We can make them easy to understand and help you choose the best option for you.
Consumer Protection and Financial Advocacy
Scams are everywhere. Protect your assets by learning how to spot them and how to report unfair business practices. Get essential tips for your next car or home purchase.
Emergency Financial Assistance
In times of need, Army Emergency Relief (AER) and the Air Force Aid Society (AFAS) provide emergency financial support for service members and their Families. Explore other military relief programs for additional assistance options.
Financial Readiness Program (FRP)
Want to take charge of your finances? The Army's Financial Readiness Program (FRP) and Consumer Advocacy Services can help with comprehensive educational and counseling programs. Learn about debt, consumer advocacy and protection, money management, credit, financial planning, insurance, and consumer issues. Through classroom training and individual counseling, participants can learn how to save and invest money, establish savings goals, eliminate debt, and save for emergencies.
We offer:
- Financial Readiness Program (FRP). FRP provides comprehensive educational and counseling programs in personal financial readiness. The program covers indebtedness, consumer advocacy and protection, money management, credit, financial planning, insurance, investing, and consumer issues. Other services offered include Mandatory Financial Readiness Common Military Training Financial Readiness CMT, financial planning for transitioning Soldiers, financial counseling for deployed Soldiers and their Families, and the Department of Defense Family Subsistence Supplemental Allowance Program and Basic Needs Allowance.
- Army Emergency Relief (AER). AER is the US Army's own nonprofit organization dedicated to alleviating financial distress in the force. AER provides grants and zero-interest loans to active-duty and retired Soldiers and their Families. AER has supported over 4 million Soldiers since 1942. AER offices are conveniently located at installations around the world. Visit ArmyEmergencyRelief.org to learn more.
- Online Support and Education. Go to Financial Frontline for self-service financial literacy education and help.
- Financial Well-Being Assessment. FWBA You go to the doctor to check on your physical health — but when is the last time you checked on your financial health? The Financial Well-Being Assessment can help you conduct a "checkup" on your financial health. No matter where you are in your military career, taking time to assess your financial well-being can provide insights into whether you’re on the right path or have some areas to improve.
Here are some other financial resources for Soldiers and their Families:
- The Blended Retirement System:(BRS) combines elements of the legacy retirement system with benefits similar to those offered in many civilian 401(k) plans. Get smart on retirement benefits by visiting MyArmyBenefits.
- Thrift Savings Plan: A Federal Government-sponsored long-term retirement savings and investment plan, available for both Federal civilian employees and members of the uniformed services.
- U.S. Savings Bonds: A shorter-term savings option with competitive interest rates and backed by the full faith and credit of the United States.
- Annual Credit Report: Free online credit reports are available from Equifax, Experian and TransUnion. Credit reports play an important role in your financial life, and we encourage you to regularly check your credit history.
- Military OneSource: A Department of Defense-funded program that provides comprehensive information on every aspect of military life including financial readiness at no cost to active duty, National Guard, reserve members, and their Families.
- Office of Servicemember Affairs: A component of the Consumer Financial Protection Bureau helps to educate and empower military members, veterans, and their Families in the consumer financial marketplace.
- FINRA For Investors: A tool to use when making a decision for investments. They offer tips to help service members, making sure they are protected and are asking all the right questions when navigating investments.
- Service Credit Union: (SCU) provides financial products and services that fit the unique needs of military members, veterans, DoD employees and their families. In addition to free checking accounts, high-rate savings accounts and competitive loans, Service CU provides international bill pay in local currency, early pay and special military savings accounts. They also provide free in-person and virtual financial wellness classes across a variety of topics. View their Banking for Military Members webpage HERE to find out more.
- Community Bank: Community Bank offers a wide range of country-specific and stateside-like products and services to help you manage your money while living overseas. Their associates will help you customize a unique blend of localized services to help you pay your local and stateside bills, obtain U.S. Dollars and local currency easily and affordably, and even help you structure a savings plan for covering potential emergencies. They can even help you with becoming more financially literate. Visit their website HERE.
