Financial Readiness = Mission Readiness.

Fiscal fitness is just as necessary as physical fitness. Learn how preserving your financial wellness can promote resiliency.
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Get to know your Financial Lifecycle.

From adjusting to your new military career, to buying your first house, you can learn to be financially prepared for anything.
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Financial Management Awareness Program

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                                   NMFA Scholarships + Career Funds


NMFA awards an average of $500 for career funding and $1,000 for degrees. Up to $2500 is available for clinical supervision towards licensure in the mental health profession. Spouses are also eligible for funding, typically $1,000, to build their own businesses. This includes entrepreneurs, LLCs, direct sales, franchises, contractors, and other for-profit ventures. Non-profit organizations, please check back in our May application round. Any spouse with a valid military ID is eligible. Apply from October 1st through January 15th, and May 1st through June 30th.


Scholarship Eligibility

You can apply for a spouse scholarship if you:

  • are a military spouse with a valid military ID
  • are married to an active duty, reserve, guard, retired, medically retired, wounded or fallen service member (must be a service-related wound, illness, injury or death that took place after September 11, 2001)
  • are a dual service military spouse
  • are a divorced spouse, but ONLY if you receive 20/20/20 benefits or 20/20/15 benefits
  • are married when we ask for verification paperwork, usually a month after the applications close

For more information: http://www.militaryfamily.org/spouses-scholarships/scholarships.html



                                                Our Military Kids

What is this organization about?

Founded in 2004, Our Military Kids, Inc. is a 501(c)(3) nonprofit organization providing support and recognition to military children. This includes children, ages 5-18, of deployed National Guard and Reserve service members, as well as children of wounded warriors from all service branches. The grants pay fees associated with athletic, fine arts, and tutoring programs.

Why does this program exist?

Nearly 2 million children have been affected by wartime deployments since 9/11; one out of three is at high risk for behavioral and psychological issues, such as anxiety and depression.

Research shows that activity counteracts stress. Grants from Our Military Kids allow children to choose activities they enjoy, while their parents are away or recovering from wartime injuries. As a result, they experience higher self-esteem and a chance to achieve. Additionally, the grants allow entire families the chance to rest, recover, and improve morale.

How much are the grants?

Each grant may be up to $250 and cover up to six months of activity per child.

How established is this program?

Since April 2005, Our Military Kids has delivered more than 56,000 grants, totaling over $22 million, to children of service members from throughout the United States, Puerto Rico, the U.S. Virgin islands, and Guam. Currently using private donations with no government funding, Our Military Kids has provided at least one grant for each eligible applicant. For every dollar donated, 93 cents directly supports each child.

How do I know this program works?

In October 2016, Our Military Kids surveyed 1104 families who received grants that year.

-87% reported a decrease in the child’s stress and anxiety.

-72% indicated improvement in the child’s academic performance.

-94% noticed enhanced recovery of the service member/veteran.

-97% believed the program enhanced overall family well-being.

Our military kids 2016-Flyer-and-FAQs.pdf

For more information: http://ourmilitarykids.org


         Saving for Tomorrow Starts Today: Tax Time Saving with myRA


Many people think about their finances during tax time, and IRS data shows that about three out of four tax filers receive federal tax refunds. It's the perfect time to encourage people to use that refund, often the single largest sum of money they will receive all year, to save. myRA, a starter retirement savings account brought to you by the U.S. Department of the Treasury, makes tax time saving easy.



Just in time for tax season, we'll be hosting a second tax webinar on Tuesday, January 10, from 3 to 4 p.m. ET.

Join us for an informative session that will focus on myRA as a tax time savings vehicle. Discussion topics will include the variety of resources available to tax professionals on the myRA website; the Saver's Tax Credit; and the steps for call-in account opening processes, such as those associated with Individual Taxpayer Identification Numbers (ITINs).

Register Today at https://myra.gov/newsletter/img/register_today.png



As a trusted advisor, you're in a unique position to encourage saving at tax time, and myRA offers numerous resources to equip you with helpful information you can share with your clients.

Check out the tools at myRA.gov/taxpro           

Customer Service 855-406-6972 between the hours of 8 a.m. and 8 p.m. ET, Monday through Friday. From January 28 to March 4, representatives will be available from 8 a.m. to 11 p.m. ET, Monday through Friday, and from 9 a.m. to 11 p.m. ET on Saturdays.


Saving at Tax Time with myRA: Using Tax Refunds to Boost Savings https://www.webcaster4.com/webcast/page/584/18092 >    

Early tax filers may not receive tax refund until after Feb. 15

FORT MEADE, Md. (Defense Media Activity) -- Some taxpayers plan their holiday shopping and other purchases on the assumption they will get their tax refund from the Internal Revenue Service in January.

In 2017, that may no longer be the case.

The Protecting Americans from Tax Hikes, or PATH Act, signed into law December 2015, requires the IRS to hold tax refunds that include earned-income tax credit and additional child tax credit until Feb. 15, 2017.

This law requires the IRS to hold refunds until mid-February in 2017 for people claiming the earned-income tax credit or additional child tax credit. Also, new identity theft and refund fraud safeguards by both the IRS and individual states may mean some tax returns and refunds will face additional review.


Beginning in 2017, the IRS must hold the entire refund -- even the portion not associated with the earned income credit or additional child credit -- until at least Feb. 15. The IRS says this change will ensure taxpayers get the refund they are owed by giving the agency more time to help detect and prevent fraud.

''This is an important change, as some of these taxpayers are used to getting an early refund," said IRS Commissioner John Koskinen. "We want people to be aware of the change for their planning purposes during the holidays. We don't want anyone caught by surprise if they get their refund a few weeks later than in previous years."

As in past years, the IRS will begin accepting and processing tax returns once the filing season begins. All taxpayers should file as usual, and tax return preparers should submit returns as they normally do.

Although the IRS cannot issue refunds for some early filers until at least Feb. 15, the IRS reminds taxpayers most refunds will be issued within the normal timeframe: less than 21 days, after being accepted for processing by the IRS.

The Where's My Refund? tool on IRS.gov and the IRS2Go phone app remain the best way to check the status of a refund.



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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