05B4 Personal Finances
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Personal Finances

Personal Financial Management

Sound personal financial management provides freedom of choice for Sailors and their family members. Through information and referral, education and training and financial counseling the Navy’s Personal Financial Management program address the financial education needs of Sailors and their families and addresses the Navy’s need to keep personnel focused on mission readiness.

Find a Fleet and Family Support Center near you.

Personal Financial Management Overview

The Navy's Personal Financial Management (PFM) education program was established to combat financial mismanagement and provide proactive training to Sailors and their families.

Command Financial Specialist

Command Financial Specialist (CFS) are trained to provide financial education and training, counseling, and information referral at the command level.

Command Financial Specialist Training

The Command Financial Specialist (CFS) Training will offer the student with the basic tools, techniques, and information to perform the role as a CFS.

Identity Theft

Identity Theft is a criminal offense.  It occurs when a person knowingly transfers or uses, without lawful authority, a means of identification of another person with the intent to commit or to aid or abet any unlawful activity.  It constitute a violation of federal law or may constitutes a felony under any applicable state or local  law.

Predatory Lending

Predatory lending (sometimes called a cash advance) is the practice of using a post-dated check or electronic checking account information as collateral for a short-term loan at a very high interest rate. Protect yourself and your family.

Spending Plan

Tools and advice on developing your personal budget and spending plan. This will help you achieve your short and long term financial goals.

Hot Topics

The Resource Section includes links to information and agencies working with the Personal Financial Management program to assist you and your family in managing your money.

Saving and Investing

Savings and Investing is designed to help you understand the very basics of saving and investing so you can get started today on the journey to achieving your financial goals.

Consumer Awareness

Education is a key tool to prevent consumer injury, avoiding scams and ripoffs, as well as tips on other consumer topics.

Thrift Savings Plan

The Thrift Savings Plan (TSP) is a retirement savings plan for civilians who are employed by the United States Government and members of the uniformed services.

Military Saves

Build Wealth; Not Debt
Military readiness through financial readiness.


Personal Financial Management resources and links.






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