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Financial Readiness Program (FRP)

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!


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VIRTUAL FINANCIAL LUNCH & LEARN
Dates: Wednesday - Friday, Jan 5 - Dec 11, 2021
Time: 12:30-1:30 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.


Click for a list of our 2021 Virtual Financial Class Schedule.  


April is Financial Literacy Month! Join us each week on MS Teams for helpful virtual classes. Registration is not required and all classes are free!

Week 1 - Theme: Saving Automatically

  • 4/1 Thursday 11:30-12:30 EST: Financial Readiness Program Overview of Services Available

Week 2 - Theme: Save for the Unexpected

  • 4/6 Tuesday 12:30-1:30 EST: Lunch & Learn with a guest speaker from APG FCU to discuss Strategies & Resources for Difficult Times
  • 4/8 Thursday 11:30-12:30 EST: Stretching Your Money by Living frugally through expense tracking and developing a spending plan

Week 3 - Theme: Save to Retire

  • 4/13 Tuesday 12:30-1:30 EST: Lunch & Learn with a guest speaker from Freedom FCU to discuss Strategies to Plan a Successful Retirement
  • 4/15 Thursday 11:30-12:30 EST: Making Your Ideal Retirement a Reality covering sources of income and steps to planning retirement.

Week 4 - Theme: Save to Reduce Debt

  • 4/20 Tuesday 12:30-1:30 EST: Lunch & Learn with a guest speaker from APG FCU to discuss Strategies & Resources to Manage Debt
  • 4/22 Thursday 11:30-12:30 EST: Take Control of Your Finances by Improving Credit and Managing Debt

Week 5 - Theme: Save as a Family

  • 4/27 Tuesday 12:30-1:30 EST: Lunch & Learn with a guest speaker from Freedom FCU to discuss Opportunities to Raise Financially Savvy Kids
  • 4/29 Thursday 11:30-12:30 EST: Saving & Investing approaches, options and an overview of various retirement accounts.

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


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!

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://teams.microsoft.com/l/meetup-join/19%3ameeting_NDNiYzc3ZGQtMzY5YS00M2Y5LWFlYWItMGE3YWEzMDJhNzI2%40thread.v2/0?context=%7b%22Tid%22%3a%2221acfbb3-32be-4715-9025-1e2f015cbbe9%22%2c%22Oid%22%3a%2298402f57-1350-4bff-9f52-1886080de296%22%7d

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): A private, nonprofit organization established to help Soldiers and their Families in emergency financial situations due to no fault of their own.
  • 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.

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