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Financial Readiness Program

  • Army Community Services (ACS)
  • Financial Readiness Program
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Sign up for Training

Take control of your financial future - enroll in our classes today. 

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ACS Calendar

Enroll in our classes today to enhance your budgeting and debt management skills, and access online resources!

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Contact Us

Let one of our Accredited Financial Counselors set you up for financial success.

Financial Planning

Get money smart with the Financial Readiness Program (FRP).

We help Soldiers, Families, retirees, and DoW Civilians manage money wisely. Get solid advice on budgeting, saving, debt management, credit, retirement planning, and consumer protection. We also connect service members to financial assistance programs, such as Army Emergency Relief.

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Financial Education and Training

Voluntary and mandatory classes cover budgeting, debt, investing, and more, including specialized training for military leaders. Access online resources to build financial knowledge at your own pace.

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Master Your Money

Learn how to create a budget, save for emergencies, and spend wisely to avoid debt. Get tips on managing credit cards and reaching your financial goals.

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Credit and Debt Management

Your credit score affects your financial future. Improve it with our tips on managing debt, getting free credit reports, and protecting yourself from fraud.

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Retirement and Financial Planning

Do you understand the military’s Thrift Savings Plan (TSP) and Blended Retirement System (BRS)? We can make them easy to understand and help you choose the best option for you.

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Consumer Protection and Financial Advocacy

Scams are everywhere. Protect your assets by learning how to spot them and how to report unfair business practices. Get essential tips for your next car or home purchase.

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Emergency Financial Assistance

In times of need, Army Emergency Relief (AER) and the Air Force Aid Society (AFAS) provide emergency financial support for service members and their Families. Explore other military relief programs for additional assistance options.

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Keep Exploring

SFRG Informal Funds Custodian Training

SFRG Informal Funds Custodian Training

Are a newly appointed Funds Custodian? This class is for you!

Nov 12 10 am - 12 pm
SFRG Care Team Training

SFRG Care Team Training

Are you a newly appointed Care Team Volunteer? This class is for you!

Nov 12 10 am - 11:30 am
Military Family Month

Military Family Month

Celebrate Military Family Month by honoring the strength, resilience, and dedication of military Families while connecting them to year-round support and resources.

Military Family Month

Celebrate Military Family Month by honoring the strength, resilience, and dedication of military Families while connecting them to year-round support and resources.

Military Family Month
Educational Support Playgroup

Educational Support Playgroup

ACS invites parents with children (under age 5) to come and play together and meet new people.

Nov 12 1 pm - 3 pm
Financial Considerations When Facing a Disabling Sickness or Condition

Financial Considerations When Facing a Disabling Sickness or Condition

This course covers the financial impact of dealing with disabling sickness/conditions and teaches you to manage your finances as you work through it.

Nov 12 2 pm - 3 pm

Host Nation Tour

Let ACS introduce you to Germany!

Nov 13 10 am - 2 pm
Host Nation Tour

Host Nation Tour

Let ACS introduce you to Germany!

Nov 13 10 am - 2 pm
Host Nation Tour
Dads 101

Dads 101

New to being a father? ACS can help!

Nov 16 5 pm - 7 pm
Educational Support Playgroup

Educational Support Playgroup

ACS invites parents with children (under age 5) to come and play together and meet new people.

Nov 17 9 am - 11:30 am

Stress & Anger Management Class

Join our transformative Stress and Anger Management Class to regain control of your emotions and cultivate a more peaceful, fulfilling life. Led by expert facilitators, this interactive program provides practical tools and techniques to effectively manage stress and anger, helping you enhance your emotional well-being and improve your relationships.

Nov 17 11:30 am - 12:30 pm
Stress & Anger Management Class

Stress & Anger Management Class

Join our transformative Stress and Anger Management Class to regain control of your emotions and cultivate a more peaceful, fulfilling life. Led by expert facilitators, this interactive program provides practical tools and techniques to effectively manage stress and anger, helping you enhance your emotional well-being and improve your relationships.

Nov 17 11:30 am - 12:30 pm
Stress & Anger Management Class
Basic Training for New Parents

Basic Training for New Parents

Our Basic Training for New Parents Class provides essential education on newborn care, comforting techniques, safe sleep practices, and more to help expecting and new parents feel confident on their parenting journey. Led by experienced instructors, the interactive sessions foster community connections and empower you with the skills needed to thrive in the early weeks at home.

Nov 17 5:30 pm - 8:30 pm
OPOC Training

OPOC Training

Training for Organizational POCs who manage volunteers, certify volunteer hours, and manage volunteer positions on the online VMIS.

Nov 18 9 am - 11 am

Car Buying Strategies

Looking at purchasing a vehicle? This class is for you!

Nov 19 11 am - 12 pm
Car Buying Strategies

Car Buying Strategies

Looking at purchasing a vehicle? This class is for you!

Nov 19 11 am - 12 pm
Car Buying Strategies
Host Nation Tour

Host Nation Tour

Let ACS introduce you to Germany!

Nov 20 10 am - 2 pm
Brown Bag Lunch

Brown Bag Lunch

Training sessions on domestic abuse preventative measures.

Nov 20 11:30 am - 12:30 pm
Couples Communication

Couples Communication

This dynamic class is designed to strengthen relationships by teaching effective communication skills through interactive workshops and personalized support. Whether you're newlyweds or experienced partners, this program helps you rediscover intimacy and resolve conflicts, empowering you to create a deeper emotional bond.

Nov 24 11:30 am - 12:30 pm
Insurance Needs

Insurance Needs

Understand the purpose of insurance with this virtual class.

Nov 25 2 pm - 3 pm

Baumholder 101

Baumholder Spouses and Army Community Service are teaming up to provide community resources to incoming Spouses and their families. 

Dec 14 10:30 am - 12:30 pm
Baumholder 101

Baumholder 101

Baumholder Spouses and Army Community Service are teaming up to provide community resources to incoming Spouses and their families. 

Dec 14 10:30 am - 12:30 pm
Baumholder 101