Army Reserve Family Programs
Financial Readiness Program


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The purpose of the Army Reserve Family Programs Financial Readiness Program is to deliver relevant and responsive financial information, education, and support that:

  • Supports and assists commanders in maintaining readiness of individuals, Families, and communities by developing, coordinating, and delivering financial programs and services which promote self reliance, resiliency, and stability in both strategic and operational environment
  • Promotes personal readiness and retention in the military.
  • Educates Soldiers and Families on financial self sufficiency.
  • Serves as a combat multiplier in the Army’s efforts to build and maintain resilience in our USAR Soldiers and Families to improve unit readiness and further reinforce the Army Profession.

Financial readiness is achieved through:

  • Awareness: Those programs, services and actions that specifically seek to make Soldiers and Family members more aware of the financial readiness programs, services and resources available to them. Awareness efforts can typically be found on websites, in briefings, and marketing and awareness campaigns.
  • Education: Those programs, services and actions that provide (or provide access to) education services and opportunities that build and maintain financial readiness competencies throughout the Soldier and Family life cycle. These efforts typically follow a well defined and specific curriculum and are conducted in a variety of traditional and nontraditional settings and delivery platforms.
  • Support: Those programs, services and actions that provide direct support to Soldiers and Family members. Typically, these support efforts would directly or indirectly result in financial relief or assistance for Soldiers and Family members in time of financial crisis or difficulty.

An Accredited Financial Counselor is available to help:

  • Establish budgets and spending plans
  • Work with creditors on payment plans
  • Provide credit, tax, consumer, insurance and other information
  • Assist with consumer complaints
  • Provide information on state and federal consumer laws


Financial counselors:

  • Are available for in-person, phone and video financial counseling.
  • Can coach you on how to talk to creditors to negotiate late fees and payment plans, and point you in the right direction if you're behind on your mortgage or facing foreclosure.
  • Help you sort through the available college savings programs and help you weigh the pros and cons of each.
  • Go over a variety of savings, retirement and investment plans with you and talk about the pluses and minuses of each.
  • Will not push any products or plans on you, nor will they recommend one plan over another. Instead, the counselors help you weigh all the options available, letting you choose the best fit for you.

Here's how to take advantage of this service:

  • Set up a time to meet with a financial counselor by calling Military OneSource at 800-342-9647.
  • Receive financial counseling assistance by phone or video chat, if you prefer.
  • Get financial counseling by phone or video chat, even if you are stationed overseas.
Contact Us:


Email Us!
List of Family Programs Directors and Coordinators
National Suicide Prevention Lifeline Toll-Free: 1-800-273-TALK (8255)
Support specialists are available at Military OneSource: 1-800-342-9647
Safe Helpline - Sexual Assault Support for the DoD Community Toll-Free: 1- 877-995-5247

External Link Disclaimer
The appearance of external hyperlinks does not constitute endorsement by the United States Army Reserve of the linked websites, or the information, products or services contained therein. For other than authorized activities such as military exchanges and Morale, Welfare and Recreation (MWR) sites, the United States Army Reserve does not exercise any editorial control over the information you may find at these locations. All links are provided consistent with the mission of this website.