Financial Readiness
Your Financial Readiness Team offers a wide range of services to assist Soldiers and their Families with financial affairs. Emphasis is placed upon the training portion of the program designed to educate Soldiers and spouses in money management, proper use of credit, financial planning, deployment, transition and relocation, credit improvement, investment information, and check writing principles. Our goal is to help Families prevent financial difficulties before they arise and prepare them for their financial future.

• July- September
• October - December

Accredited Financial Counselors
Accredited Financial Counselors (AFC) are available to teach financial classes and help Soldiers and their spouses in all areas of financial readiness to include:

• Establish budgets
• Work with creditors
• File consumer complaints
• Gather information on local consumer laws
• Empower Soldiers and Family members to make sound financial decisions

Army Emergency Relief (AER)
AER can help active duty Soldiers and their dependents, ARNG, and USAR Soldiers on active duty for more than 30 days and their dependents, retirees and their dependents, and surviving spouses and orphans of Soldiers who died while on active duty or after they retired. This assistance is usually in the form of interest-free loans. Grants are considered based on individual extenuating circumstance. Download Application forms (DA 1103) and instructions.

AER Command Referral Program
The Commander Referral Program was implemented on 15 Nov 05 for Hawaii units. Under this program, Commanders and 1SGs can approve up to $1000 for Basic Living Expenses. Desk side briefings for Commanders and 1SGs are available as needed. Call ACS at 655-4ACS to schedule.

View AER Spouse & Child Scholarship Program Brochure

ACS Financial Readiness Appointment Checklist
Your Financial Wellness is important to the ACS Financial Readiness Team. To ensure you have a productive appointment a checklist has been developed to better serve you. View Checklist

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