The Financial Readiness Program
6303 Wetzel Avenue
Building 1526
Fort Carson, CO 80913-4104

Phone 719-526-4590
Phone (DSN) 312-691-4590
Fax 719-526-2637
Fax (DSN) 312-691-2637

Mon, Tue, Thu, Fri 7:00 a.m. - 5:00 p.m.
Wed 9:00 a.m. - 5:00 p.m.
Sat and Sun - closed
Holidays - closed

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Financial Assistance

ACS Financial Readiness Program

The ACS Financial Readiness Program is staffed by professionally trained financial counselors who provide free financial services to all military, DoD & NAF civilian employees, retirees & their families. Come in today and set up an appointment with one of our experts. Find out how to get the most out of your valuable resources!

Army Emergency Relief (AER)

Army Emergency Relief is a private organization that was incorporated in 1942 by the Secretary of War and the Army Chief of Staff to provide emergency financial assistance, allowing the army to take care of its own.

Who Is Eligible for AER? -- Active soldiers, single or married & their dependents; ARNG and USAR soldiers and dependents on continuous active duty for more than 30 days; and surviving spouses or orphans of soldiers who died while on active duty or after they retired.

What Can AER Do? -- AER can assist with emergency financial needs for:

  • food, rent or utilities
  • emergency transportation & vehicle repair
  • funeral expenses
  • medical/dental expenses
  • personal needs when pay is delayed or stolen

AER also provides undergraduate-level education scholarships, based primarily on financial need to children and soldiers.

Assistance Programs

Soldiers are often reluctant to ask for assistance, and yet there are state and federal programs in place to assist soldiers and family members. By using these programs, families can save a few hard-earned dollars for use in other areas of household management. Financial Readiness provides information, eligibility guidelines, referral and/or registration for the following assistance programs:

Christmas Unlimited -- provides Christmas presents to children of eligible families, ages 13 and under.

Commodities -- USDA surplus food programs provide foods such as cheese, butter, peanut butter, honey, meal and canned goods.

Family Subsistence Supplemental Allowance (FSSA) -- This program increases a member's BAS by an amount intended to remove the member's household from eligibility for benefits under the U.S. Dept of Agriculture's Food Stamp Program.

Food Stamps -- Monthly benefits that help households buy the food they need to maintain good health. For most households, food stamps are only part of their food budget; they must spend some of their own cash along with their food stamps in order to buy enough food for the month.

Headstart -- A preschool program for eligible children that focuses on social development. Age requirements are prenatal to 4 years old.

Low-Income Energy Assistance Program (LEAP) -- Provides assistance by paying a portion of your monthly heating bill. This program starts in November and ends in April.

Operation Back-To-School -- Provides school supplies for school-age children in eligible families.

Women, Infants & Children (WIC) -- Provides nutrition education and special foods such as iron-fortified infant formula, milk, cheese, eggs and other nutritious foods to pregnant and breast feeding women, infants and children up to age 5.

Budget Counseling

Budget Counseling allows a client to meet with a financial counselor to discuss the management of personal finances. The counselor develops a financial analysis to determine the household's monthly living expenses and a budget is established, with an emphasis on managing personal finances and tracking spending habits. Budget counseling also offers assistance in bankruptcy counseling, purchasing an automobile, and repaying creditors.

Command Financial Financial NCO (CFNCO) Program

Each battalion-size element has a highly-motivated and financially stable CFNCO who trains, organizes, implements and supervises the CFNCO program and serves as the battalion commander's principal advisor on policies and matters related to personal financial readiness, and local consumer affairs. The following is a list of services each CFNCO provides:

  • Conducts partial financial evaluations
  • Provides budget counseling to soldiers & family members
  • Refers soldiers/family members to appropriate resources agencies
  • Presents financial readiness and consumer training as part of the command program
  • Provides emergency food vouchers to soldiers/family members
  • Screens & counsels all Army Emergency Relief (AER) referrals
  • Attends battalion pre-deployment briefings to explain available resources to family members

Consumers Affairs

Daily consumer awareness and information sessions are conducted at 4th Replacement for new arrivals (E2-E6). Assistance with consumer complaints and resolution of issues concerning local businesses is another service offered by the Consumer Affairs Program. A wide variety of personal finance and consumer education classes are available for presentation to unit and FRGs. Classes include:

  • Money Trouble Solutions Workshop Series
  • Car-Buying Seminar
  • Checkbook Management
  • Couples and Money
  • Identity Theft
  • Marriage Preparation
  • Investing 101
  • Financial Solutions for Singles
  • Eat Well On a Budget

Debt Management

If you find yourself in the position of considering loan consolidation, you may be headed for financial difficulty. The following are danger signs: 

  • More than 20% of your take-home pay is used for credit payments (excluding home mortgage)
  • You have one or more loans from a lending company(ies) at 20% or more interest
  • You screen your phone calls because bill collectors are calling frequently
  • You routinely use your overdraft protection
  • You use credit cards impulsively
  •  You do not pay your bills on time
  •  You pay only the minimum amount down on your charge accounts each month
  • The use of advance check cashing and pay day loans is part of your regular budget plan
  • Your car loan is financed at 12% or more interest

If one or more of the above describes you or your spouse, don't wait! Stop by the ACS Financial Readiness Program in Bldg 1526 and schedule an appointment with a financial counselor.

Financial Literacy Program (FLP)

Financial literacy is an integral part of mission readiness and quality of life. The goal of this campaign is to maintain a comprehensive and state-of-the-art education and training program throughout the services. Designed by the DoD, the purpose of the FLP is to increase personal readiness by reducing the stressors related to financial well-being. This program will assist soldiers and family members in awareness, savings & debt reduction and protection against predatory practices.

Associated Links

Defense Travel Management Office /Per Diem
Per Diem official website with information on allowances, travel regulations and lodging websites.

Defense Finance and Accounting Service
The authoritative source for pay issues.

Military Pay and Benefits
Ability to research your pay and benefits.

Financial Aid Assistance
Information on Scholarships, loans, savings, including calculators.

DoD Financial Readiness Campaign
Contains advice, guidance, calculators and tools for managing your money.

IRS Moving Regulations
Information on what expenses are tax deductible.

United States Army Recruiting Command Soldier and Family Assistance Programs
Public web site for all Army recruiting command needs.

Military OneSource Financial Counseling
For short term financial problems, service families can obtain help from Military OneSource.

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