Located in Building 411
Phone: (315) 253-6439 or 0827-79-6439
Email the PFM Team: OMBIwakuni.PersonalFinancialManagement@usmc-mccs.org
Hours of Operation: Monday - Friday: 0730-1630
The Personal Financial Management Program provides personal financial education, training, and counseling at no cost to Marines/Sailor and their families. A solid understanding of personal financial situations will give you a better chance of achieving financial success during your career and help build confidence in facing financial challenges and responsibilities. The program delivers training and education to service members and their families regularly at the unit level or individually.
Visit these links to find a variety of financial calculators and military-focused financial planning resources!
Personal Finance for Military Life
*DISCLAIMER: The information provided herein does not constitute a formal endorsement of any company, its products, or services by the Department of Defense. Specifically, the appearance of external hyperlinks does not constitute an endorsement by the U.S. Department of Defense of the linked websites or the information, products, or services contained therein. The U.S. Department of Defense does not exercise any editorial control over the information you may find at these locations. This module provides information resource material to assist military personnel and their families in identifying or exploring valuable resources and options.
The Command Financial Specialist (CFS), as the officially designated command representative, is the core of the Personal Financial Management (PFM) program. The basic function of the CFS is to provide financial education and training, counseling, and information referral at the command level.
The CFS establishes, organizes and administers the command’s PFM program, including:
Candidates are nominated by their command and must complete the initial CFS Training offered by the Personal Financial Management Specialist. The CFS designation is a matter of record to be entered into their MCTIMS/MCTFS (voluntary assignment billet code: CPFS).
• E6, WO, O1 or above.
• Highly motivated and financially stable
• Successful completion of CFS training course
• Designated, in writing, by the Commanding Officer
• Minimum of one year remaining onboard present command
• Successfully completed Personal Readiness Seminar (PRS) Survival Skills Training J3OP-US1395 on JKO
• Participate in continuing education, including, but not limited to, periodic CFS forums and CFS refresher training at least every 3 years
Ref: MCO 1700.37
National Foundation for Credit Counseling (NFCC) and its member agencies may be able to help. Counselors are available by phone around the clock to assist if you are experiencing job loss, temporary loss of income or financial hardship during this time.
Help is available with:
The National Foundation for Credit Counseling (NFCC) call number is 800.388.2227, one of their member agencies answers the phone. The NFCC is a non-profit and many of the agencies under its umbrella are non-profits. They obtain funding through state and local credits and credit agencies. Also they receive 'donations' from credit agencies. (Percentage of debt collected). They are not debt collectors with misleading and dishonest collection tactics. Minimum fees but they are fees. Also many on the Non-Profits agencies charge fees. Examples: (a) Set up fee of $45. (b) Credit Health Education session is $65 for single person. Couple is $85 dollars. (c) Debt Management Plan (DMP) monthly fee of $75. Fees depend on which member agency answers the phone.
Use this worksheet to assist you with researching your vehicle purchase before you buy!
Use this step-by-step worksheet to assist in determining Car Payments.
Helpful questions to ask car dealers to take advantage of all promotions & low interest financing.
2020 Financial Planning Workbook without Federal Tax Tables. Federal taxes must be entered manually. Use LES for information.
Choosing Credit Cards -Use this worksheet to assist you with choosing the right credit card.
TSP: Avoid Chasing Returns. URL: https://www.tsp.gov/PlanningTools/InvestmentStrategy/sticktoyourplan/index.html
Remember, your investment performance is determined, in large part, by your asset allocation, not by guessing which market sector is going to be in favor at a particular time.
Use this worksheet to determine how much insurance your actually need.
Use this worksheet to shop your insurance needs for auto, home and life.
UPCOMING CLASSES:
Pre-registration is required. Please call DSN 253-6439 or stop by Building 411, room 110 to register.
Personal Readiness Seminar- Tuesdays from 0800-1200
Introduces the Marine for Life Cycle and provides resources to help Marines improve personal and financial readiness. Required within first 90 days at first duty station. Fulfills one of the requirements for first-time use of tuition assistance.
- January 9; January 23
- February 6; February 13; February 27
- March 5; March 12; March 19
Million Dollar Servicemember
Financial Readiness NCO training. Establishing good financial habits, becoming savvy consumers, and saving and investing to become future million dollar Servicemembers.
Command Financial Specialist (CFS) Forum
Quarterly forum for continuing education and information for CFS personnel.
- Wednesday, April 3 from 1500-1600
Command Financial Specialist (CFS) Training
Required training for CFS personnel.
- Monday-Friday, July 15-19, from 0800-1600 each day
Savings and Investing
Join our Personal Financial Counselor for an introduction into different savings, investment, and retirement accounts.
Car Buying Basics
You wouldn't begin a trip without a map (or a functional GPS)! Make sure you have a plan to help you on the trip to buying a car.
Wednesday, February 21 from 1000-1130
Personal Financial Management Roundtable
Bring your question to the Personal Financial Management roundtable. There will be an open roundtable discussion about personal financial management topics concerning consumer awareness, credit management, debt management, saving, investing, insurance, real estate, car buying, and the Thrift Savings Plan.
Wednesday, April 10 from 1300-1430
Wednesday, June 5 from 1300-1430
What is Your Money Personality?
An activity to learn how to individualize, develop, and enhance your money management plans.