Personal Financial Management

Eligibility and First Steps

Eligibility for participation in our program extends to individuals across various sections of the military community.

• Service Members
• Family Members
• DoD Employees

Getting started is easy!

Contact us.
Get professional guidance and support tailored to your financial goals.

Make an appointment.
Schedule your personalized financial consultation today! Making an appointment is easy – just reach out to our program office and take the first step towards financial success.

Register for a workshops or courses.
Sign up for our workshops and classes to enhance your financial literacy! Register now to secure your spot and gain valuable insights into managing your money effectively.

Explore our webpage.
Discover helpful financial tools and resources provided by the Personal Financial Management Program. From workshop schedules to helpful resources, everything you need to get started is just a click away!

Financial Services

Unlock your financial potential with our comprehensive services! From budgeting and debt management to retirement planning and investment guidance, we're here to support your journey towards financial success.

Contact us today to learn more about the services offered and how we can help you achieve your financial goals.

• Blended Retirement System
• Car Buying
• Consumer Awareness
• Continuation Pay
• Couple Financial Counseling
• Credit Report and Credit Score Analysis Saving and Investing
• Credit / Debt Management
• Developing a Spending Plan
• Financial Education Action Points (FEAP)
• Individual Financial Counseling
• Major Purchases
• Military Pay & Benefits
• Retirement Planning
• Survivor Benefits Plan
• Thrift Savings Plan
• Understanding Military Retirement Benefits
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Become a Command Financial Specialist

Command Financial Specialists (CFS) are a vital resource for Marines, offering support throughout their careers. Marines and their families often encounter unexpected financial  emergencies or difficulties managing money. Without proper guidance, these challenges can escalate, affecting their well-being and readiness to serve. As a CFS, you play a key role in helping Marines overcome these challenges, ensuring they stay financially secure and mission ready.

In accordance with MCO 1700.37, the minimum requirements for assignment as a unit Command Financial Specialist are:

• Must be an E6, WO, O-1, and above.
• Have at least one year remaining at your present duty station.
• Highly motivated.
• Financially stable.
• Have no record of Letters of Indebtedness/Non-Sufficient Funds/NJP/Poor performance counseling above the rank of LCPL.
• Successfully complete the Leading Marines Course and MCI's 3420 and 3422 on Personal Financial Management.
• Participate in continuing education such as CFS forums and refresher training.

You do not need a degree in financial planning to succeed as a CFS. What matters most is a genuine curiosity to explore and understand the financial needs of Marines throughout their careers.

The most successful CFSs are those who enjoy the process of identifying financial needs and thrive on the challenge of finding solutions. Your efforts will directly benefit Marines and their families.

As a Command Financial Specialist, you will help Marines and their families learn about managing money and making smart financial choices. There’s no product selling involved—your role is to give them the knowledge and the tools they need to make good decisions about their finances and ensure financial success.

For more information contact your MCCS Personal Financial Manager.

Budgeting Tools

Contact your local Personal Financial Management Program office for helpful tools for managing your money to take charge of your finances.

• Financial Well-Being Assessment 
• Spending Plan Worksheet
• Personal Net Worth Tracker
• Financial Calculators
• Sen$e App

Financially Fit Kids

Providing kids with financial skills help them avoid debt and prepare for big expenses and the future. Knowing how to handle money also gives kids confidence and helps them make smart choices as they get older.

Learn more about tips and tools available to help raise Financially Fit Kids.

• Values & Habits
• Self Assessment
• Communication Skills
• Goal Setting
• All About Allowances
• System for Saving
• Create a Spending Plan
• Tips & Videos

Blended Retirement System

The Blended Retirement System (BRS) is a way for service members to save for retirement, introduced in 2018. Unlike the retirement services in the past where only those who served for 20 years recieved a pension, the BRS offers benefits for almost all service members.

The BRS combines a regular pension for those who serve at least 20 years with a savings plan similar to a civilian 401(k), where the government also adds money to your savings.

The BRS makes it possible for military personnel to start building their retirement savings early in their careers, whether they plan to stay for the full length of service or not.

Learn more about the Blended Retirement System at

Blended Retirement System

Continuation Pay

Continuation Pay under the Blended Retirement System (BRS) is a one-time bonus offered to military members who agree to extend their service beyond their current enlistment period.

This bonus serves as an incentive for service members to continue their military career at mid-career points.The amount and timing of continuation pay vary by service branch, and the specific details are determined based on factors like rank and years of service.

Accepting continuation pay comes with a commitment to serve for an additional number of years, and failing to fulfill this commitment may require the service member to repay the received bonus.

Continuation Pay