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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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Schedule an Appointment

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

Baumholder 101

Baumholder 101

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

Sep 14 10:30 am - 12:30 pm
Multicultural Lunch Social

Multicultural Lunch Social

Bring your lunch and join us for a fun get together to learn more about Europe!

Sep 14 11:30 am - 12:30 pm
Educational Support Playgroup

Educational Support Playgroup

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

Sep 15 9 am - 10:30 am
Stress & Anger Management Class- ONLINE

Stress & Anger Management Class- ONLINE

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.

Sep 15 11:30 am - 12:30 pm
Basic Training for New Parents - ONLINE

Basic Training for New Parents - ONLINE

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.

Sep 15 5:30 pm - 8:30 pm
Army Community Service Job Fair

Army Community Service Job Fair

Job seekers can build their network by connecting with government agencies and contractors.

Sep 16 10 am - 3 pm
Insurance Needs

Insurance Needs

Understand the purpose of insurance with this virtual class.

Sep 16 2 pm - 3 pm
Educational Support Playgroup

Educational Support Playgroup

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

Sep 17 1 pm - 2:30 pm
Host Nation Tour

Host Nation Tour

Let ACS introduce you to Germany!

Sep 18 10 am - 2 pm
Brown Bag Lunch

Brown Bag Lunch

Training sessions on domestic abuse preventative measures.

Sep 18 11:30 am - 1 pm
Baumholder H.I.R.E.S

Baumholder H.I.R.E.S

An orientation to employment resources and opportunities in Baumholder!

Sep 21 10 am - 12 pm
Dads 101

Dads 101

New to being a father? ACS can help!

Sep 21 6 pm - 7:30 pm
Educational Support Playgroup

Educational Support Playgroup

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

Sep 22 9 am - 10:30 am
Couples Communication- ONLINE

Couples Communication- ONLINE

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.

Sep 22 11:30 am - 12:30 pm
SFRG Care Team Training

SFRG Care Team Training

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

Sep 24 10 am - 11:30 am
Building a Realistic Budget

Building a Realistic Budget

Learn how to track expenses.

Sep 24 11 am - 12 pm
Educational Support Playgroup

Educational Support Playgroup

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

Sep 24 1 pm - 2:30 pm
Host Nation Tour

Host Nation Tour

Let ACS introduce you to Germany!

Sep 25 10 am - 2 pm
Baumholder 101

Baumholder 101

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

Sep 28 10:30 am - 12:30 pm
Educational Support Playgroup

Educational Support Playgroup

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

Sep 29 9 am - 10:30 am
Wave of Light Ceremony

Wave of Light Ceremony

Register in advance starting on Oct. 1.

Oct 15 5 pm - 7 pm
Baumholder 101

Baumholder 101

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

Oct 26 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.

Nov 9 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