An official army family and MWR Site

Financial Readiness Program (FRP)

APG's current Mask Policy & COVID-19 Information. Please read and follow the guidance.

The Financial Readiness Program helps educate service members about personal financial management. Consumer assistance is offered in cases involving conflict with local businesses. In all cases, counseling is provided on an individual and confidential basis.

ACS Financial Services is now offering VIRTUAL counseling and seminars!


Niki-Leary.jpg

The FRP Office offers workshops and seminars throughout the year. Visit the MWR CALENDAR for up-to-date information about these events.
Click for our 2021 Virtual Financial Workshops & Seminars Schedule (pdf).


VIRTUAL FINANCIAL LUNCH & LEARN
with Niki and Leary

Dates: Wednesday - Friday, Jan 5 - Dec 11, 2021
Time: Noon - 1 p.m.

Login and listen to our Financial Readiness Program Counselors, Leary and Niki, as they host dynamic discussions of current events, financial topics, take your requests and questions, and engage the audience.  This is an opportunity to listen in as your schedule allows.


September Lunch & Learn Topics below.
Registration is not required and all classes are free!

Week 5

  • Wed 9/29: Cybersecurity: Protecting Your Personal Finances. With guest speaker Scott Krause.
  • Thurs 9/30: Identity Theft
  • Fri 10/1: NO SESSION.

October Lunch & Learn Topics below.
Registration is not required and all classes are free!

Week 1

  • Fri 10/1: NO SESSION.

Week 2

  • Wed 10/6: Raising Financially Fit Kids: Financial education is not only for adults!
    We will explore tips and tools to teach your children about financial responsibility and management. 

  • Thurs 10/7: Stretching Your Money: This seminar provides tips on living within your means and developing a viable spending plan. 

  • Fri 10/8: Open Discussion.

Week 3

  • Wed 10/13: Banking, Checking, Savings, CDs and Loans with guest speaker Patrice Ricciardi, Freedom Federal Credit Union.

  • Thurs 10/14: Continuation Pay: Service members under the Blended Retirement System (BRS) are eligible for a one time mid-career bonus payment called continuation pay. 

  • Fri 10/15: Open Discussion.

Week 4

  • Wed 10/20: Military OneSource: Overview with guest speaker Randall Holmes.

  • Thurs 10/21, 11 a.m.-Noon: Disabling Sickness or Condition: It can be incredibly overwhelming if you or a family member – whether it’s a child or an adult – are impacted by a disabling sickness or condition. This course will focus on the financial implications of dealing with a disabling sickness or condition – and help you manage your finances more efficiently as you work through it.

  • Thurs 10/21, Noon-1 p.m. Wealth & Wellness with guest speaker Joanna Reagan, Public Health Nutritionist, Army Public Health Center.

  • Fri 10/22: Open Discussion.

Week 5

  • Wed 10/27: Money & Relationships: This presentation covers topics such as; emotional connections to money matters, how to set goals with your partner and effective communication. Guest speaker Mary Sol Weston, LCPC, CCTP, Military & Family and Life Counselor. 

  • Thurs 10/28: Home Buying & Grant Funds with guest speaker Melissa Parlett, Mortgage Consultant with APG Federal Credit Union.

  • Fri 10/29: Open Discussion.

Please sign-in using the MS Teams link below, at least 5 minutes prior to the start time.

Registration is not required. If you're not already a member, you will need to download Microsoft Teams (MT) and join using your browser.

Meeting Link: https://dod.teams.microsoft.us/l/meetup-join/19%3adod%3ameeting_fa05f9ce9fe74eecbda9633ea427aa11%40thread.v2/0?context=%7b%22Tid%22%3a%22fae6d70f-954b-4811-92b6-0530d6f84c43%22%2c%22Oid%22%3a%22f14eefb9-bf53-4af5-81a0-13c3337e7565%22%7d


Personal Budgets - Handling Credit Wisely - Planning for the Future
ACS Financial Professionals will be at the ready to give you professional advice and answers...virtually!

Financial Readiness

The Financial Readiness Program is your resource for information on money matters. We can help you better understand financial topics like: 

  • Military pay
  • Checkbook/debit card management
  • Financial responsibility
  • Credit reporting
  • Debt elimination strategies
  • Saving
  • Investing
  • Budgeting

 

We can also help you learn about other financial services, including:

  • Army Emergency Relief (AER): Army Emergency Relief is the U.S. Army's own nonprofit organization dedicated to alleviating financial distress on the force. AER provides grants and zero-interest loans to Active Duty and Retired Soldiers and their Families. Over 4 million Soldiers supported since 1942. AER officers are conveniently located at installations around the world. Visit ArmyEmergencyRelief.org to learn more."
  • Education Program: Offers need-based scholarships to help eligible Army Families with education costs.

For more information about how the Financial Readiness Program can help you, contact your nearest Army Community Service Center.

 

Other helpful financial readiness links include:

  • 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.
  • Military Saves: A component of the nonprofit America Saves and a partner in the Department of Defense’s Financial Readiness Campaign, Military Saves seeks to motivate, support, and encourage military Families to save money, reduce debt, and build wealth.
  • Money Matters: A mobile-optimized resource with calculators for savings, debt reduction and other reference material in one location.
  • Housing Resources for Military Members: The National Military Family Association has compiled a great list of resources to help Military Families who are struggling with the pitfalls of the housing crisis.
  • Army OneSource: Network of the services and delivery of support to Soldiers and their Families.
  • Military OneSource: A Department of Defense-funded program that provides comprehensive information on every aspect of military life 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.
  • Saveandinvest.org: A project of the FINRA Investor Education Foundation, a free, unbiased resource dedicated to your financial health. Helps you make informed decisions through easy-to-use tools and resources, and arms you with the information you need to protect yourself from investment fraud.
  • Better Business Bureau Military Line: Provides specialized education and support services, which meet the needs of active and retired military personnel and their Families. 

 

Family Subsistence Supplemental Allowance (FSSA) Pre-screening

Pre-screening and counseling for Soldiers who qualify for the FSSA entitlement. FSSA is an entitlement authorized by Congress in 2001 and created to supplement the Soldier's Basic Allowance for Subsistence (BAS). This entitlement will not exceed $1100 per month. Information and application for FSSA is web-based and can be found under the "Life Events that Impact Your Benefits" tab.

More Community Support

thumbnail

Virtual Workshop: How To Smart Start Your Small Business

This class provides an overview of the ways to smart start a business.

Oct 20 11 am - 12 pm

Virtual Workshop: 10 Steps to a Federal Job

Looking for the perfect Federal job? Come join us and learn the ten steps to Federal employment!

Oct 21 9 am - 11 am
thumbnail
thumbnail

Virtual Workshop: Disabling Sickness or Condition

Oct 21 11 am - 12 pm
thumbnail

Virtual Workshop: Disabling Sickness or Condition

Oct 21 11 am - 12 pm
thumbnail

Virtual Workshop: Stress Management

Lunch & Learn - Family Advocacy Training

Oct 26 12 pm - 1 pm

Virtual Workshop: Money and Relationships

Oct 27 12 pm - 1 pm
thumbnail
thumbnail

Virtual Workshop: Home Buying and Grant Funds

Oct 28 12 pm - 1 pm

Virtual Workshop: Home Buying and Grant Funds

Oct 28 12 pm - 1 pm
thumbnail

Virtual Workshop: 10 Steps to a Federal Job

Looking for the perfect Federal job? Come join us and learn the ten steps to Federal employment!

Nov 18 1 pm - 3 pm
thumbnail
thumbnail

Virtual Workshop: 10 Steps to a Federal Job

Looking for the perfect Federal job? Come join us and learn the ten steps to Federal employment!

Dec 16 9 am - 11 am