An official website of the United States government
Here's how you know
A .mil website belongs to an official U.S. Department of Defense organization in the United States.
A lock (lock ) or https:// means you’ve safely connected to the .mil website. Share sensitive information only on official, secure websites.

Personal Finances

Personal Financial Management (PFM) Education, Training, & Counseling Program

Managing personal finances remains a top concern for DON personnel and family members. Financial issues for Service members can have a direct impact on readiness and retention. In many cases, resultant financial problems have had a serious negative impact on DON personnel and families, as well as a significant effect on operational readiness, morale, and retention.

Service members and the DON have a joint responsibility to address personal financial obligations. Members have an obligation to meet the financial needs of their families and discharge their just financial debts in a timely fashion. The DON promotes sound financial practices, personal integrity, and responsibility among its members.

This is accomplished both at the command and installation level through qualified Command Financial Specialist (CFS) and certified Personal Financial Managers (PFMs) who work within the Fleet & Family Support Center umbrella. Both CFS and PFMs provide factual, unbiased financial counseling to service members and families upon request regardless of service affiliation or location and assist them with developing skills and strategies to meet financial goals and achieve and maintain financial readiness.

Looking to become a CFS? We offer the week-long CFS course both in-person and virtually.

  • Click HERE for the current CFS schedule.
  • Click HERE for the current Train the Trainer CFS Class schedules.
  • Click HERE to locate your local PFM and Fleet and Family Support Center.


Financial Resource Links

Updated: 23 July 2024

Google Translation Disclaimer

  • Google Translate, a third party service provided by Google, performs all translations directly and dynamically.
  • CNIC Fleet and Family Readiness, has no control over the features, functions, or performance of the Google Translate service.
  • The automated translations should not be considered exact and should be used only as an approximation of the original English language content.
  • This service is meant solely for the assistance of limited English-speaking users of the website.
  • CNIC Fleet and Family Readiness, does not warrant the accuracy, reliability, or timeliness of any information translated.
  • Some items cannot be translated, including but not limited to image buttons, drop down menus, graphics, photos, or portable document formats (pdfs).
  • CNIC Fleet and Family Readiness, does not directly endorse Google Translate or imply that it is the only language translation solution available to users.
  • All site visitors may choose to use similar tools for their translation needs. Any individuals or parties that use CNIC Fleet and Family Readiness, content in translated form, whether by Google Translate or by any other translation services, do so at their own risk.
  • IE users: Please note that Google Translate may not render correctly when using Internet Explorer. Users are advised to use MS Edge, Safari, Chrome, or Firefox browser to take full advantage of the Google Translate feature.
  • The official text of content on this site is the English version found on this website. If any questions arise related to the accuracy of the information contained in translated text, refer to the English version on this website, it is the official version.

Commander, Navy Installations Command   |   716 Sicard Street SE Suite 1000   |   Washington DC, 20374-5140
Official U.S. Navy Website