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Personal Financial Readiness

Personal Financial Readiness is a free service offered base-wide by the Military & Family Readiness Center. It is designed to help both single airmen and military families successfully manage their personal finances by providing educational programs and personal assistance when needed.

PFR offers several classes on a recurring basis. They are also available for one-on-one financial counseling sessions. These services provide informational resources on a variety of financial topics, including understanding your LES, purchasing a home, investing, Thrift Savings Plan, consumer protection, credit issues, money management, and debt relief.

Classes & Services

Bundles for Babies

PFR Class

Take advantage of this opportunity to learn about budgeting for baby, parenting skills, meet other expectant parents, and ready yourself for the excitement and wonders of parenthood! Active duty, Guard, and Reserve on Title 10 orders and their spouses are invited to attend and will receive a $50 AAFES gift card from the Air Force Aid Society. 

Credit & Debt Mgmt

PFR Class

Understand the pros and cons of having credit. We'll discuss building credit and look at some of the myths about establishing and using credit wisely. Credit reports, credit scores, and identity theft will be covered. 

Financial Check-up

PFR Class

This class is designed for new supervisors and is required for all first duty station Airmen. It focuses on issues from fraud to financial trouble spots and provides useful information for anyone facing money management challenges. 


PFR Class

We bring the experts to you! Learn from financial counselors, mortgage lenders, appraisers, VA reps, and home inspectors. This is one of your biggest purchases, get it done right! 

Investing 101

PFR Class

A foundational class for the beginning investor. This seminar discusses the basics of investing. What is stock? What is a bond? How does a mutual fund work? What is risk? Learn about all of these things and more!

Money Habitudes

PFR Class

Is it really about the money? Nope! Your habits and attitudes, or "habitudes", about money that actually cause the challenges. Identify your habitudes and those of others to understand why people disagree about money. When you get a handle on your habitudes you will gain more control of your money and life. 

Movin' Out!

PFR Class

This is a mandatory class for dorm residents planning to move off base. Bring your dorm out-processing checklist, latest monthly LES, and a list of monthly bills/expenditures. Set yourself up for success by planning for this exciting move! 

Thrift Savings Plan

PFR Class

Learn why the Thrift Savings Plan has been called the Model for all 401(k) Plans! No matter how much time you plan to be in federal service (uniformed or civilian), the TSP is a retirement savings plan that you will thank yourself for contributing to when you reach your retirement age. 

Don't see what you're looking for? Ask us!

If we don't have a class ready to go, we can build it.

Let us bring our expertise to you!

Our financial programs can be brought out to your unit, commander's call, or spouses group. 

Contact us today and we'll make it happen!

Meet With A Counselor

We offer both individual and family sessions. We're here to help you analyze and assess your financial concerns and assist in developing a personalized spending plan. Clients identify goals, plans, and needs, and are provided with essential financial information so that they are able to make informed choices. 

Upcoming Events & Classes

Please call to reserve seats for classes and seminars.

No events


Military & Family Readiness Center

5355 E. Granite St.
Bldg. 2441
Tucson, AZ 85707

Open Hours

  • Monday – Friday
    8am – 4pm
  • Weekends & Holidays
  • Down Days