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Financial Readiness and AER Program



The Fort Sill Financial Readiness Program Offers financial education, budget counseling, and support services to assist Soldiers and their families.



To provide financial education and training to Soldiers and Families and enhance their personal financial readiness and deploy-ability through the use of sound money management and consumer skills.

Services Offered

Personal Financial Counseling & Financial Management Classes

In addition to one on one personal financial counseling the following classes are offered:


Personal Financial Counseling can be scheduled by calling ACS at +1 (580)442-4916.


Relocation Financial Preparedness Training

This training provides military members and their families with budget tools such as calculators and spending plans that help reduce the financial stress of moving.

The class is offered once a month. Call for schedule. Training is mandatory for E4s and below on their first PCS.

Army Emergency Relief (AER) Overview


Army Emergency Relief is the U.S. Army's own nonprofit organization dedicated to alleviating financial distress on the force. AER provides grants and zero-interest loans to Active Duty and Retired Soldiers and their Families. Over 4 million Soldiers supported since 1942. AER officers are conveniently located at installations around the world. Visit to learn more.

Education Programs

AER’s Education Program is a secondary mission to help Army Families with the costs of education. The three separate scholarship programs are:

Stateside Spouse Education Assistance Program
• Applicant must be the Spouse or widow(er) of an active duty or retired Soldier and reside in the United States. 
• Stateside applicants must be full time students. 
• First undergraduate degrees only.
• Active duty military personnel are not eligible.

Overseas Spouse Education Assistance Program Major General James Ursano Scholarship Fund for Dependent Children.

Overseas Spouse Education Assistance Program 
• Applicants must be a Spouse of an active duty Soldier assigned in Europe, Korea, Japan, or Okinawa. 
• Applicants must physically reside with the Soldier at the assigned location. 
• First undergraduate degrees only.
• Off post students are not eligible.
• Spouses may be part time or full time students.

Major General James Ursano Scholarship Fund for Dependant Children 
• Dependent children, stepchildren, or legally adopted children of Army Soldiers on active duty, retired or deceased while in active duty or retired status.

The children of Grey Area Reservists/National Guard are eligible as well.

Scholarship awards will be awarded up to half the cost of tuition. Scholarship awards are based on financial need, as evidenced by income, assets, Family size, and special circumstances.

Applications and instructions are available for all the scholarships on the AER website at

AER Resources and Forms

View all AER forms. 

AER Checklist and Application - Use to apply for assistance

Army Emergency Relief - Application for Financial Assistance

Commander’s Referral Rack Card


Supporting Forms

AER Form 57-Budget Planning Sheet

AER Form 575-Electronic Funds Transfer (EFT) Authorization

AER Form 53-Special Power of Attorney for AER Assistance


Related Links

The appearance of external hyperlinks does not constitute endorsement by Army Emergency Relief of the linked Web sites, or the information, products or services contained therein. Army Emergency Relief does not exercise any editorial control over the information you may find at these locations. Such links are provided for your convenience consistent with the stated purpose of this web site.

If you have questions or comments about information presented here, please click "Contact Us" at the bottom of the page and choose "website" in the email category.

US Army
Visit the US Army Homepage.

Air Force Aid Society
Learn more about the official charity of the U.S. Air Force.

Navy-Marine Corps Relief Society
Learn more about the charitable organization of the Navy and Marine Corps.

Coast Guard Mutual Assistance
Learn more about the organization that provides financial assistance to the Coast Guard Community.

American Red Cross
Learn more about the American Red Cross.

Amazon Smile
You shop. Amazon gives. Amazon donates 0.5% of the price of your eligible AmazonSmile purchases to the charitable organization of your choice. AmazonSmile is the same Amazon you know. Same products, same prices, same service.

American Armed Forces Mutual Aid Association
Learn about AAFMAA, the premier provider of military life insurance, financial and survivor services to the American Armed Forces Community.

American Forces Information Service 
If you're a reserve component service member called to active duty, you're protected by a law that can save you some legal problems and possibly some money as well. Learn more about the provisions of the Soldiers' and Sailors' Civil Relief Act of 1940.

Armed Forces Services Corporation
Learn more about Military Retirement Planning, Survivor Benefit Plans, Life Insurance, Health, Pension, Compensation, and Financial Benefits.

AUSA is the Army's professional association, the voice for the Army on Capitol Hill, and offers support for soldiers and their families.

Defenders of Freedom
Committed to supporting Post 9/11 Veterans, who have deployed, with emergency financial assistance for a smooth transition to civilian life.

The Federal Employee Education & Assistance Fund
Learn more about the corporation that provides educational benefits and emergency assistance to civilian federal and postal employees.

Female Veterans and Drug Addiction: 15 Ways to Support their Ongoing Battle

Mesothelioma Cancer Alliance 
Learn more about mesothelioma - cancer developed through exposure to asbestos. Almost a quarter of all Americans with mesothelioma are veterans who were exposed while in the military.

Mesothelioma Fund
Help for veterans and their families who have been exposed to asbestos through mesothelioma trust funds.

Military OneSource
Military resource website providing 24/7 support for military personnel, spouses, family members, and survivors on taxes, moving, spouse employment, and more.

Military Saves
Military Saves is a social marketing campaign to persuade, motivate, and encourage military families to save money every month, and to convince leaders and organizations to be aggressive in promoting automatic savings.

Military Family Advisory Network
A community of military and veteran families at home and abroad who are well-informed about—and use—resources designed to serve them.

National Military Family Association
NMFA provides resources and support to families of the Air Force, Army, Navy, Marine Corps, Coast Guard, NOAA, and PHS. NMFA initiatives include Operation Purple camps, spouse scholarships, volunteer awards, and more.

Uniformed Services Blended Retirement System
See how the legacy ‘high-3’ and the new Blended Retirement System compare in your first four years of service, at your mid-career, and at retirement.

Veterans Crisis Line
Connects Veterans in crisis and their families and friends with qualified Department of Veterans Affairs responders through a confidential toll-free hotline, online chat, or text.

Financial Counseling
  • Budget Counseling
  • Debt Liquidation Counseling
  • Overall Financial Planning
  • Credit Counseling
  • Credit Report
  • FSSA
Training Request

The request for training is designed to provide unit leadership an opportunity to request a Financial Readiness Expert who will present the latest financial tools to Service Members so that they can make better informed financial decisions.  The training request form needs to be submitted at least 2 weeks in advance.  Reservation dates, times, locations and specific topics must be identified on the form. 

ACS Financial Readiness Program Briefing/Class Request Form


vz_acs_retirement_planning_750x421_mar18 (1).jpgBlended Retirement System (BRS)

It’s here!

The new Blended Retirement System (BRS) has arrived – which means many Soldiers and their families will be making important decisions during 2018. What it means for you depends on factors like whether you’re Active, National Guard, or Reserve – and how much time you’ve got in.

Get educated. Know your options. Understand how BRS affects you and your family.

Learn more



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