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Financial Management Awareness Program

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The Blended Retirement System for National Guard and Reserve

Watch the webinar recorded on Tuesday 18 October 2016


Webinar Viewing Instructions:

  • Download and uncompress the two zip files below (Part I and Part II of the recorded webinar).
  • To playback the recording, double click on the "index.html" file in the player folder, or right click and open in an HTML5 compatible browser.  HTML5 browsers include Internet Explorer 9.0 and higher, Google Chrome 40 and higher, and Firefox 35 and higher.
  • In the browser window, click the play icon in the lower left hand corner of the window.
  • A PDF version of the slides is saved within the player folder.  A PowerPoint version is appended below.






The Uniformed Services Blended Retirement System

Policy Highlights

  • The Fiscal Year 2016 Nation Defense Authorization Act created a new military retirement system that blends the traditional legacy retirement pension with a defined contribution to Service members’ Thrift Savings Plan account. The new Blended Retirement System goes into effect on January 1, 2018.
  • All members serving as of December 31, 2017, are grandfathered under the legacy retirement system. No one currently-serving will be automatically switched to the Blended Retirement System.
  • Though they are grandfathered under the legacy retirement system, Active Component Service members who entered the military after December 31, 2005, and Reserve Component Service members who have accrued fewer than 4,320 retirement points prior to January 1, 2018, will have the option to opt into the Blended Retirement System or remaining in the legacy retirement system. The opt-in/election period for the Blended Retirement System begins January 1, 2018, and concludes on December 31, 2018.
  • All Service members who enter the military on or after January 1, 2018, will automatically be enrolled in BRS.


Find out more here: http://militarypay.defense.gov/BlendedRetirement/


A Survivor's Story

Survivor Angela Powell-Woulfe tells her story of how she overcame adversity after her father, a Michigan Army National Guardsman, made the choice to end his life. Her powerful story serves as a beacon for others to connect to as she has been courageous enough to share her story of how she fought through the tragedy of suicide to become a remarkable survivor.

Video Shot and Edited by SSG Adam Fischman



The National Guard Financial Management Awareness Program (FMAP) provides training and education, counseling/consulting, and information and referral to commands, to Service members, and to their Families.

FMAP assists Service members and their Families in increasing personal and family financial knowledge and readiness, and thereby, the program contributes incrementally to the operational readiness of the National Guard.

Focusing initially on first term Service members, the mission of FMAP is to impart knowledge and skills in all facets of basic financial management to include managing monthly income, expenses, savings credit, and consumer rights and protections, with the goal of the Service member achieving important individual and family financial goals and objectives.

In addition, FMAP provides Service members knowledge and insights in the basics of purchasing or leasing a car, renting or buying a home, managing personal risks through insurance products, understanding the potential for return and risk in investments, and the financial implications of transition to civilian life.

FMAP is especially sensitive to the situations and needs of the Service member experiencing financial hardship. FMAP is well-integrated with other key programs in the Family Program operations, specifically in the areas of, Readiness; Transition Assistance; Family Member Employment; Children, Youth and Teens; Exceptional Family Member Program and Educational and Vocational Programs.

Personal Financial Management

It doesn’t have to be complicated

FMAP is the National Guard’s program aimed at helping Service members and Families achieve their financial goals. Assistance, resources and planning solutions provided by FMAP can help guide and explain financial matters to individuals and families and help set realistic financial goals. Smart financial management starts with smart choices. Learn More

Financial Readiness

The Financial Management Awareness Program is here to help you alleviate financial distress so you can be “Always Ready, Always There”. Learn More

Connect with Valuable Resources

To reach your local Personal Finance Counselor, contact the FMAP National Program Manager

Find the latest web resources, feeds, and videos with strategies and news for your financial health.

Military Community & Family Policy

Use the web and social media to connect with and learn about the programs and policies available to the military community, including links to Military Community & Family Policy, Military OneSource, Spouse Employment Opportunities and the Healthy Base Initiative. Learn More (PDF)


The Personal Financial Management Staff strengths lie in basic individual and family economics. Core proficiencies are teaching and analyzing income, expenses, use of revolving and installment credit, savings, and basic investments and investing. Core proficiencies also include consumer awareness and protections, car buying, housing options, education funding, basic insurance, banking and financial services, debt management, and financial planning for active duty contingencies (an impending PCS move, deployment of a spouse and family separation, planning for transition, and other major life events while on active duty). The staff has basic but not advanced proficiencies in individual taxes and retirement planning. While the staff is conversant with legal affairs such as wills and powers of attorney, all such questions, as well as DUI, contracts, divorce, wills and trusts are referred to the Legal Assistance office.


All information shared during these meetings is covered by the Privacy Act and is treated to the strictest confidence. Information is NEVER released to a third party without a request from and the signed consent of person whose information is requested.

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