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Personal Financial
Readiness (PFR)

AF Financial Readiness.jpeg

The Holloman M&FRC Personal Financial Readiness Program's mission is to assist individuals and their families in attaining financial security throughout their lives but especially through the military life-cycle.

We provide the following:


Preventative Education:

We help you develop financial goals and improve money management skills needed to be financially ready for the challenges of military and adult life. Common topics include PCS/deployment readiness, student loan management including Public Service Loan Forgiveness, purchasing a vehicle, moving out of the dorms, getting married or divorced, and planning for a new baby.

Crisis Education:

If you are experiencing a financial crisis such as an unexpected emergency, death of a loved one, or stressful credit loads we can help you develop a workable budget or a debt management plan.

Proactive Education

Learn about how to effectively plan for your long-term financial security and wellness. We’ll help you feel more prepared in planning for long-term goals such as retirement, home buying, education financing, or opening a business.

PFR Classes


Car Buying

New & Used

Learn how to get the best deal on a new or used car purchase.

Credit Card Purchase

Developing a Spend Plan

Do you know where $$ goes?

Learn about how to make a spending plan!  This will help you reach your financial goals faster.


Saving vs Investing

There is a difference!

Are you ready to start investing? Learn more about investment options!  

Helpful Financial Websites

Thrift Savings Plan

Dedicated site for managing your TSP retirement account​.

Military OneSource​

Central hub for up-to-date information on all aspects of military life including links to budget and credit counselors.​

Blended Retirement System

Central hub for up-to-date information regarding the Blended Retirement System.​

Consumer Finance Protection Bureau​

​A U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly as well as providing the information you need to make more informed choices about your money.

​Consumer Federation of America

​An advocacy, research, education and service organization that gathers facts, analyzes issues, and disseminates information to the public, policymakers, and the consumer movement. 

Federal Reserve Board

"The Fed," as it is called, offers comprehensive personal financial education. Topics include consumer banking, consumer protection, economics, home mortgages, interest rates, loans/credit, and other
general information.

​Social Security Administration

Advances the economic security of the nation's people through compassionate and vigilant leadership in shaping and managing America's Social Security programs.

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