1. Personal Financial Counselor (PFC) Overview Department of Defense Military Family Readiness Readiness

2. Personal Finance Mission Readiness & Personal Readiness Require: Financial Stability Sound Personal Financial Behaviors Personal Financial Counselors (PFCs) PFC Services Overview More Information : Presented By: ____________________

3. Security Clearance Denied Age Away from Support Systems Responsibilities Lifestyle Frequent Moves Deployments Spouse Employment Easy Credit Direct Marketing Greater Resources Credit Availability Challenges Unique to Service Members PFC Services Overview More Information : Presented By: ____________________

4. Financial Mismanagement Consequences Military Negative Evaluation Loss of Promotion Reduction in Rank Loss of Overseas Transfer Loss of Security Clearance Non-judicial Punishment Administrative Discharge Military Negative Evaluation Loss of Promotion Reduction in Rank Loss of Overseas Transfer Loss of Security Clearance Non-judicial Punishment Administrative Discharge Civilian NSF Charge Denied Credit Negative Credit Report Repossession Foreclosure Bankruptcy Jail Civilian NSF Charge Denied Credit Negative Credit Report Repossession Foreclosure Bankruptcy Jail Service Members are subject to both Military and Civilian consequences of financial mismanagement. PFC Services Overview More Information : Presented By: ____________________

5. PFC Service Goal Promote Financial Responsibility and Accountability in Money Management Preventive Financial Education Personal Financial Counseling Consumer Advocacy & Awareness Information and Referral Personal Financial Readiness Responsibility & Accountability Building Wealth, Choice & Freedom PFC Services Overview More Information : Presented By: ____________________

6. Prevention Education Sound Financial Practices Financial Pitfalls Consumer Rights and Obligations PFC Service Types Education Budget Development financial Goal Setting Record Keeping Cash Management Banking Consumer Rights Insurance Military Pay Credit Critical Life Stages Age Appropriate Children & Youth Financial Management Classes PFC Services Overview More Information : Presented By: ____________________

7. Financial Counseling Services Financial Analysis Budget & Spending Plan Development Major Purchase Planning Extended Absence Financial Plans Tax Planning PFC Service Types Financial Counseling

8. Debt Liquidation Assistance Analyzing Assets and Liabilities Repayment Program Assistance with Creditors Consumer Advocacy Services Identity Theft Pay-day Loans Consumer Safety PFC Service Types Consumer Advocacy & Complaint Resolution PFC Services Overview More Information : Presented By: ____________________

9. Information & Referral PFCs stay current on a full range of services that are available in the local community. They have a variety of Resources at their fingertips. If they don’t know the answer, they will find someone who does. PFC Service Types Information & Referral PFC Services Overview More Information : Presented By: ____________________

10. Summary Mission & Family Readiness Depend on Financial Stability Risk Factors in the Military Environment Consequences Program Goals Types of Services Available Questions? PFC Services Overview More Information : Presented By: ____________________