What is the Financial Readiness Program?
Our Financial Readiness Program offers education, counseling and support services to assist Soldiers and their Families with their financial affairs, including living within their means and investing for the future.  Finances are the number one stress in the lives of military Families.  The Financial Readiness program offers classes and counseling to resolve problems and relieve this stress.  We also offer Army Emergency Relief as reactive assistance when Soldiers and family members require emergency financial assistance.

Services available to all military and civilian employees and their families include:

Budget Counseling
A Financial counselor meets with the client (and spouse) to discuss their personal finances. The counselor completes a financial analysis to determine the household’s monthly living expenses. The family receives information on developing a spending plan, managing personal finances and methods to track spending. A budget is then developed for the family. Please click here to download a sample budget sheet

Debt Liquidation
For military consumers who find themselves in debt and for those who want to learn about how to avoid excessive debt, ACS offers the Debt Liquidation program on a one on one basis. The client meets with the financial counselor and completes a financial analysis to determine available income to pay creditors. Documents needed for the appointment include a copy of all bills and credit card statements, a complete list of all debt (even those you have not paid for a while), a current leave and earnings statement (LES), current bank statement and any demand for payment letters.

Financial Education
Click here to view our Financial classes and services. Our classes are available upon request to units, individual sections and Family Readiness groups.