The Navy's Personal Financial Management (PFM) education program was established to combat financial mismanagement and provide proactive training to Sailors and their families. Here at NSA Souda Bay, all PFM services are provided by Command Financial Specialists (CFS) who have been comprehensively trained by the Navy to provide financial education and training, counseling, and information referral at the command level. CFS can do budgets, classes, and overseas screenings. Additionally, they provide classes on Navy benefits and entitlements, savings and investments, and debt management. CFS exists in each command or can be contacted through the FFSC.