Financial Management

Financial Readiness
Your Financial Readiness Team offers a wide range of services to assist Soldiers and their Families with financial affairs. Emphasis is placed upon the training portion of the program designed to educate Soldiers and spouses in money management, proper use of credit, financial planning, deployment, transition and relocation, credit improvement, investment information, and check writing principles. Our goal is to help Families prevent financial difficulties before they arise and prepare them for their financial future. 

Accredited Financial Counselors
Accredited Financial Counselors (AFC) are available to teach financial classes and help Soldiers and their spouses in all areas of financial readiness to include:

  • Establish budgets
  • Work with creditors
  • File consumer complaints
  • Gather information on local consumer laws
  • Empower Soldiers and Family members to make sound financial decisions

Army Emergency Relief

Army Emergency Relief (AER)
AER can help active duty Soldiers and their dependents, ARNG, and USAR Soldiers on active duty for more than 30 days and their dependents, retirees and their dependents, and surviving spouses and orphans of Soldiers who died while on active duty or after they retired. This assistance is usually in the form of interest-free loans. Grants are considered based on individual extenuating circumstance.

AER Command Referral Program
The Commander Referral Program was implemented on 15 Nov 05 for Hawaii units. Under this program, Commanders and 1SGs can approve up to $1,500 for Basic Living Expenses. Desk side briefings for Commanders and 1SGs are available as needed.

New Army Emergency Relief Commander Referral Procedures: Effective 1 Oct, all Commander Referral AER requests will be turned into ACS Schofield Barracks, Financial Readiness, bldg 2091 between 0730-1300 each day, M-F.

All requests will be processed for pickup between the hours of 1400-1530 the same duty day. Any requests turned in after 1300 hours will be processed the following duty day for pickup between the hours of 1400-1530 hours. DA FORM 1103 Application for Army Emergency Relief (AER) Financial Assistance has been replaced by AER Form 700 - Application for Army Emergency Relief(AER) Financial Assistance and AER Form 600 - Commander's Referral Program - Application for Army Emergency Relief (AER) Financial Assistance. For more information contact 655-4227.

View AER Spouse & Child Scholarship Program Brochure

ACS Financial Readiness Appointment Checklist
Your Financial Wellness is important to the ACS Financial Readiness Team. To ensure you have a productive appointment a checklist has been developed to better serve you. View Checklist

First Termer Financial Workshop
This workshop is a DA mandated training for all Soldiers (E1-E4) on their first PCS move within 3 months of arriving to Hawaii. This training provides junior Soldiers with valuable financial tools. Topics include: budgeting, savings, car buying, building credit, avoiding scams and investing. Classes are offered every Monday except Federal Holidays from 0830-1630 at the ACS Building (BLDG 2091). Soldiers need to bring their latest end of month LES with them to the class. To find out if you or your Soldier need to attend or need to register for the next available class, please e-mail This email address is being protected from spambots. You need JavaScript enabled to view it..">This email address is being protected from spambots. You need JavaScript enabled to view it.. For more information, please download our First Termer Flyer.


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