Personal Financial Management Program

The Navy’s Personal Financial Management (PFM) implements specific requirements that establish a systemic approach to address personal financial management issues for Sailors, families, and Navy commands. Management of personal finances presents an increasing challenge to Sailors and their families. Contributing factors include a high cost of living in some areas of the United States, predatory lenders/lending, high-pressure sales tactics, deceptive advertising, consumer rip-off schemes and a tendency to live beyond one’s means.

Overall, the PFM program offers information and referral, education and training, as well as financial counseling to address the financial education needs of Sailors and their families. The PFM program is to emphasizes a proactive, career life-cycle approach to service members' 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. 

Evaluating your financial health can offer insights into whether you’re on the correct trajectory or need to improve some areas.  Evaluate your financial wellbeing with the Financial Wellbeing Assessment:

Call FFSC if you have questions or need further information.