Military and Family Readiness Centers (M&FRCs) deliver proactive financial management support, equipping Airmen, Guardians, and their families with the knowledge and tools to navigate financial challenges, set achievable goals, and build long-term financial security. The National Defense Authorization Act (NDAA) of 2016 created 12 mandatory financial touchpoints where Airmen and Guardians must receive financial literacy training to gain the knowledge and skills to make informed financial decisions at various life stages.

Air Force Reserve Service members on drill status and their authorized family members are eligible for Financial Readiness services.

Having access to a certified Personal Financial Manager at the M&FRC empowers service members and their families with personalized financial guidance, support during transitions, and a clearer understanding of military benefits.

Mandatory financial touchpoints created by the National Defense Authorization Act of 2016 include the following:

• Initial Entry: Basic Military Training, U.S. Air Force Academy, Officer Training School or Reserve Officer Training Corps
• First Duty Station: Service members must receive training within the first 90 days of arrival at their first duty station
• Thrift Savings Plan Vesting: M&FRCs offer training and/or counseling on TSP Vesting to eligible service members
• Continuation Pay: Available online via MyFSS, service members receive an email notifying them of eligibility for Continuation Pay.
• Retirement, Separation or Transition to the Reserve Component: M&FRCs provide financial literacy training as a part of the Transition Assistance Program
• Pre-/Post-Deployment: M&FRCs offer training and/or counseling for service members prior to, and upon return from deployment. Training may also be offered online
• Leadership training: Training for first-time non-commissioned officers, first sergeants, and prior to command assignments; for officers, during accession and training for command assignments for paygrades O-1 to O-6
• Marriage: M&FRCs offer training and/or counseling for service members who get married
• Divorce: M&FRCs offer training and/or counseling for service members who get divorced
• Birth of First Child: M&FRCs offer training and/or counseling for service members who are expecting, give birth to, or adopt their first child
• Disabling Sickness or Condition: Service members receive an assessment on financial readiness needs from the Recovery Care Coordinator in accordance with DAFI 34-1101, Warrior and Survivor Care
• Permanent Change of Station: M&FRCs offer training and/or counseling for service members who experience a subsequent permanent change of station while in grades E-6/O-3 and below.

In addition M&FRCs provide counseling to Airmen and Guardians prior to their election of the lump sum option on DD Form 2656, as part of the retirement process under the Blended Retirement System. They can also assist with a personal financial analysis for parents seeking a childcare hardship waiver (fee reduction).

AF Personnel Financial Readiness Program:
https://www.afpc.af.mil/Military-and-Family/Financial-Readiness/

DAFI 36-2906, Personal Financial Responsibility: 
https://static.e-publishing.af.mil/production/1/af_a1/publication/dafi36-2906/dafi36-2906.pdf

DAFI 36-3009, Military and Family Readiness Centers:
https://static.e-publishing.af.mil/production/1/af_a1/publication/dafi36-3009/dafi36-3009.pdf