The Financial Readiness Program

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Financial Readiness Program (FRP)

Our purpose is to provide services that support commanders in maintaining unit financial readiness to sustain deployments and to counsel and educate Service members and their Families on financial self-sufficiency.  This is accomplished through prevention education, one-on-one counseling sessions, and support services.  Learning new money management skill sets or improving upon existing money management techniques will enable Service members to become financially independent, which is achieved by living within one’s means, having emergency savings set aside, setting and meeting personal financial goals, and planning for retirement through the use of the Thrift Saving Plan or other investment products.   For information call 253-967-1453; to make an appointment or register for class visit

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Financial Classes and Briefings

In addition to prevention education, FRP services include assistance with developing and sustaining a debt reduction plan, credit report review and repair, developing a monthly budget and spending plan, learning to recognize and prioritize spending, consumer advocacy, and assistance with handling consumer complaints to obtain an equitable resolution.  Financial education is taught through briefings and classes in the units, at FRG meetings, and special events.  Scheduled classes that emphasize the importance of managing personal financial affairs are also taught throughout the month. These classes include, but are not limited to:

  1. Money management, decreasing debt, budgeting and spending plans
  2. Checking account principles and maintenance , identity theft and consumer scams
  3. Lending practices, including home loans, car loans, student loans, personal loans, and credit cards
  4. Effects of bad credit versus good credit, credit reports and credit scores, car and home buying

First Time PCS Financial Readiness Training Slides

Financial Counseling Services

Our FRP Specialists also provide specialized classroom instruction to Service members who have been assigned to JBLM as their first duty station out of basic training or AIT.  Spouses are also welcomed and encouraged to attend these classes with their Sponsor.  Service members and Families anticipating PCS relocation, deployment, marriage or divorce, or who are expecting to increase their family size could benefit from the various classes offered or making an appointment with one of the Certified Financial Counselors for an individualized financial counseling session. DoD civilian employees and retirees are also welcome to use the services provided by the FRP Specialists.  

To find out more about our services or to make an appointment with one of the Financial Counselors, please call 253-967-1453. Register for an appointment or upcoming financial class at

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AER Campaign (Mar. 1-May 15)

AER provides interest-free loans and grants during times of distress, as well as scholarships for spouses, surviving spouses and children. Contributions can be made via Personal Check, Allotment, Cash, and via Credit/Debit Card. All contributions are tax-deductible.

Visit to contribute or for more information. Call 253-967-1453 for information about JBLM AER Campaign activities.

Attend the 2018 (Feb. 23) JBLM AER Campaign Kick-off!

Military Saves Week

Military Saves Week runs Feb. 26 through Mar. 3, 2018. View and register for Military Saves Week events and classes at JBLM!

Visit for additional Military Saves Week information.

Supporting Service members in the Current Housing Market Crisis

The following websites are provided to support Service members and their Families affected by the current increasing variable home interest rates, plummeting home market values, historic numbers of foreclosures, and an overall economic turndown causing the housing market crisis.
Military One Source:
Operation Homefront:
Army Housing One Stop:
Army JAG:
Housing Assistance Program:
HUD Housing Counselor:


AFCS Services Locations &
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Upcoming Financial Classes



Family Resiliency Training for Military Families. Please visit



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Our Services

The Financial Readiness Program
Education, counseling and support services to individual Servicemembers and their Families, military civilian employees, and retirees.

FRP Contact

Program Manager: 253-967-9917

Army Emergency Relief: 253-967-9852
Air Force Aid Society: 253-982-2636
After Hours AER & AFAS Emergencies,
Red Cross, 1-877-272-7337

Financial Readiness Information & Appointment Phone: 253-967-1453.

FRP Locations:
AFCS Waller Hall, 2140 Liggett Ave.
JBLM Lewis Main

AFCS - McChord, 552 Barnes Blvd,
JBLM McChord Field

HAWK Transition Center (Lewis North)