Financial Readiness ~ Benefits and Entitlements

USAREC Personal Financial Counselors (PFC)

Take advantage of the no-cost, personal support services that Personal Financial Counselors (PFCs) offer and make the most of your money today as you develop your financial plan for the future.

Support and counseling services include face-to-face appointments with individuals and families, group presentations, referrals to military and community resources and help with budgeting, credit management and navigating benefits.

PFCs offer a wide range of training and workshops on topics such as money management, budgeting and developing spending plans, debt and credit card management, consumer rights and obligations, home buying, retirement and estate planning, taxes and more.


PFCs are:

  • Accredited professionals
  • Available by appointment at your unit
  • Flexible, providing their services one-on-one, at group briefings and at events

You work hard; let your financial status reflect that hard work. Reach out to your installation’s Family Center to make an appointment with a PFC who can help you develop a healthy financial future.


Need to contact a Personal Financial Counselor, this link will take you to your closest PFC near you.



TSP-Thrift Savings Plan -

TSP is a federal government-sponsored retirement savings and investment plan. It offers the same type of savings and tax benefits that many private corporations offer their employees under 401(k) plans. The retirement income that you receive from your TSP account will depend on how much you have contributed to your account during your working years and the earnings on those contributions. It is available at any time to all members of the uniformed services, regardless of income or activation status.


Army Emergency Relief – AER (regulation AR 930-4) -

AER is the Army’s own emergency financial assistance organization and is dedicated to “Helping the Army Take Care of Its Own”. AER is a private nonprofit organization incorporated in 1942 by the Secretary of War and the Army Chief of Staff. AER's sole mission is to help Soldiers and their Dependents.

What type of assistance is available?
    • Food, rent, or utilities
    • Emergency transportation and vehicle repair
    • Funeral expenses
    • Medical/Dental expenses
    • Personal needs when pay is delayed or stolen
    • Undergraduate level education scholarships

How is money issued?
    • All loans are interest free, and some assistance is in the form of a grant.

How is this benefit accessed?
    • Request for assistance may go through the Soldier’s Commander or the American Red Cross.