scope:

Purpose. To implement a comprehensive Personal Financial Management (PFM) Education, Training and Counseling program that emphasizes a proactive, career lifecycle approach to servicemembers' personal financial responsibility and accountability by providing basic principles and practices of sound money management, counseling tools and referral services using a comprehensive education and training program. This instruction is a complete revision and should be reviewed in its entirety.

Applicability and Scope. Provisions of this instruction apply to all active duty and reserve personnel. Regular and reserve commands, permanent detachments, and departments having 25 active duty personnel, shall have a trained CFS to coordinate the program and to assist the CO/OIC in providing financial training, information, and counseling to command members. Assigned CFS must meet criteria established in enclosure (1). Commands shall maintain a ratio of 1 CFS to every 75 active duty members including those assigned temporary duty (TEMDU), temporary duty under instruction (TEMDUINS), and members from other services. Commands having less than 25 active duty personnel are encouraged to have a trained CFS. All commands and permanent detachments shall conduct annual PFM training per reference (c) and provide counseling.