- 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, and consumer issues. Other services offered include mandatory financial literacy, financial planning for transitioning Soldiers, financial counseling for deployed Soldiers and their Families, and the Department of Defense Family Subsistence Supplemental Allowance Program.
- 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.
- Blended Retirement System. 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 with the Army Retirement Services Office and Joint Knowledge Online Training.
- Financial Readiness Affiliates
- Thrift Savings Plan (TSP). The TSP is a federal government-sponsored retirement savings and investment plan available to both federal civilian employees and members of the uniformed services. The TSP offers the same type of savings and tax benefits that many private corporations offer their employees under 401(k) plans. The retirement income a TSP account provides will depend on working-year contributions and the earnings on those contributions. Learn more at the official Thrift Savings Plan website.
- Consumer Financial Protection Bureau (CFPB). The CFPB makes markets for consumer financial products and services work for Americans — whether they are applying for a mortgage, choosing among credit cards, or using any number of other consumer financial products. The CFPB gives consumers the information they need to understand the terms of their agreements with financial companies. Learn more about the CFPB, visit the CFPB on-demand forum and tools website, or order free CFPB publications.
- Better Business Bureau (BBB) Military Line. The BBB Military Line provides free resources to our military communities in the areas of financial literacy and consumer protection through the efforts of 112 BBBs across the US. Visit the BBB Military Line to learn more.
- Classes & Happenings
- One-on-One Budget Counseling
We offer budget counseling for our military community to help establish a budget or just refine your current budget. Our counselors offer ideas and information on ways to help “Pay Yourself First.” Do you want to pay down your debt? We provide guidance on ways to accomplish your financial goals. Call us to make an appointment.
Fillable blank budget (.pdf) - Read only
- Consumer Complaints & Military Scams
Consumer Complaint Information
Have you been a victim of unfair or deceptive business practices in our local area? Have you tried to resolve the issue but met with negative results? If you have experienced; misleading advertising, improper selling practices, non-delivery of goods or services, complaints about nonprofit/charitable organizations, or the misuse of personal information and could not resolve the situation with the local agency, you should consider filing a consumer complaint through the Consumer Complaint office at (910) 643-7461. Our office works closely with the Coastal Carolina Better Business Bureau and our JAG office to try and help you solve your issues.
In Harm's Way - At Home (.pdf) - This is a document about consumer scams and the direct targeting of America's Military and Veterans.
- Solicitation Information
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.
Here are some other financial resources for Soldiers and their Families:
(Non-Government Links, No Endorsement Implied)