For the most up to date information on facility closures / program changes and updates, visit


Contact / Hours:

Personal Financial Management Program

Bldg 13150
(760) 829-0175 | (760) 829-0245 | (760) 829-0105

Mon–Fri 7:30am–4:30pm
Sat/Sun/Holidays Closed

Your safety is our top priority. Please review our current policies:

  • Call (760) 829-0175/0245/0105 or email for appointments or assistance
  • Individual/Couples Counseling sessions are available by appointment only (virtual appointments are encouraged)
  • PFMP classes are offered via virtual platform

For the most up to date information on facility closures / program changes and updates, visit

Finances are one of the main reasons Service Members experience stress on the job and also why couples argue. The Financial Management Team is here to help you achieve financial success. Sessions include:

  • Individual Financial Counseling
  • Developing a Spending Plan & Marriage
  • Car Buying
  • Consumer Awareness

  • Home Buying
  • Introduction to Investing
  • Credit / Debt Management
  • Retirement Planning

Workshops / Classes

Car Buying
1st Thu | 3-4pm
Because purchasing a vehicle can have a significant impact on an individual’s short-term and long-term finances, buyers should be fully informed of the various related expenses that come with the purchase. This class will provide available tools and resources that can help learners conduct adequate research, determine affordability and effective negotiation skills.

Password: moneymoney
Home Buying
1st Thu | 1-2:30pm
Buying a house is the most significant purchase many people will ever make. This course is designed to increase the knowledge and comfort level of first-time home buyers and serve as a refresher for repeat home buyers.

Password: moneymoney
Developing a Spending Plan & Marriage
1st and 3rd Fri | 9-11am
This class provides guidance on how to develop a written budget that notes current and future expenses and also emphasizes the importance of short term-savings, explains financial ratios to live by and helps establish financial goals.

Password: moneymoney
Introduction to Investing
2nd Fri | 9-11am
Think you need a lot of money to invest in the stock market? Think again! Investing for your future only requires financial knowledge and discipline! In this class you will learn about affordable investment platforms that will help you choose companies based off of historical data, current expenses, and expected performance/growth.

Password: moneymoney
Thrift Savings Plan / Blended Retirement System
The Thrift Savings Plan (TSP) and the Blended Retirement System (BRS) are defined contribution plans for members of the uniformed services. Whether you are making the military a career or not, there is a retirement savings plan available for you.

Password: moneymoney
Credit & Debt Management
Credit and Debt Management is a course designed to help learners establish and maintain good credit as well as avoid, reduce or eliminate excessive debt. All participants will have the opportunity to obtain a free copy of their FICO credit report and score. They will also learn how to calculate important financial ratios that will help them assess their current and future financial situation and options.

Password: moneymoney
Raising Financially Fit Kids
Raising Financially Fit Kids is a course designed to help parents (or parents-to-be) learn how to teach children sound financial management skills. During the course, participants will examine their own financial skills and behaviors so that they can determine how to best implement age appropriate financial practices for their children.

Password: moneymoney
Women & Financial Planning
By taking a proactive stance, women will gain more clarity, confidence, and control of their lives financially. To do so, women need to learn as much as possible about money management. This class is designed to assist in equipping women with the right attitude and education to feel empowered and confident about their financial future.

Password: moneymoney
Advanced Investing
Having the tools and knowledge to develop smart investment strategies has never been more critical than in today’s global capitalistic economic system. Advanced investment strategies require the investor have a solid understanding of the way markets work combined with analytical skills and advanced quantitative tools that can guide securities selection and active portfolio management through uncertainty and into the future. As an active investor seeking to advance their current portfolio to another level, this class will introduce them to the fundamentals of active investing as well as an incisive overview of capital markets and current risk management. They should be able to utilize the resources from this class to put their knowledge into practice immediately along with resolute continuous research.

Password: moneymoney
Command Financial Specialist Course
MCO 1700.37 requires units to have qualified Command Financial Specialists (CFSs) readily available to provide financial training, education and information and referrals. The Personal Financial Managers (PFMs) train selected Marines/Sailors and conduct all unit inspections. Upon completion of the course the CFS is expected to serve as the command’s principal advisor on policies and matters related to personal finance.

Password: moneymoney
Million Dollar Marine Course
Formerly Corporal for Financial Fitness Course
The 2 day Million Dollar Marine (MDM) Course is for Corporals who are nominated by their command to serve as the unit’s Corporal for Financial Fitness (CFF). The CFF is expected to provide peer-to-peer influence by sharing the knowledge received during the course. The CFF also supports the unit CFS and installation PFMs by bringing awareness to the unit CFS on financial trends and educational needs.

Password: moneymoney

Additional Info

Tax Filing and Social Security Pay InformationPayroll Tax Withholding Deferral CollectionBRS/TSP
Repayment of 2020 Social Security Taxes
Support information regarding 2020 Social Security taxes not paid from Sep–Dec 2020. Taxes will be collected in 24 installments (January 1 – December 30, 2021) from mid-month and end-of-month pay. People will have automatic payroll deductions for repayment of 2020 Social Security Taxes

Additional information:

Filing Your Taxes on Base
Service members and eligible patrons in need of free tax filing services by VITA (Volunteer Income Tax Assistance) Office.
Mon–Fri: 8:30am-3pm | BLDG 2264, 9th St. & Vandegrift Rd.

Additional information:

Filing Your Taxes via Military 1 Source
Service members and eligible patrons needing tax preparation and e-filing software available by Military 1 Source.
Military 1 Source offers support from Jan 19 through mid-Oct online.

WHO: Employees/Service Members who made less than $4,000 in a two-week period before taxes or $104,000 annually, whose 2020 Social Security Taxes were deferred.

WHAT: At the end of December, the 2020 Social Security tax deferral ended. Beginning January 2021, the normal 6.2% Social Security tax withholdings will again be deducted and you will also see an additional deduction for the deferred 2020 Social Security tax collection taken from your pay.

Collection Process:
Per IRS guidance (as modified by the Consolidated Appropriations Act, 2021), the Social Security taxes deferred in 2020 will be collected from pay between January 1 and December 31, 2021.

Military Members –

  • For active duty military members, the 2020 deferred Social Security taxes will be collected in 24 installments, from your mid-month and end-of-month pay between January 1 and December 30, 2021.
  • For reservists and guardsmen performing intermittent duty in 2021, the amount collected may not be the same every pay period. DFAS will collect 2% of net available from each weekly, mid-month and end-of-month pay, and will continue until the deferred taxes have been repaid in full.
  • Beginning in January 2021, your myPay LES will reflect the monthly collection amount and contain a note in the remarks section that shows the remaining balance of deferred Social Security taxes.

Civilian Employees –

  • The amount of Social Security taxes deferred in 2020 will be collected in 24 installments between pay-periods ending January 16 and December 4, 2021.
  • Beginning in January 2021, your myPay LES Remarks section will include the 2020 deferred OASDI collection amount in that pay period, as well as the remaining balance to be collected.
  • If you separate or retire prior to the deferred Social Security tax being collected in full the unpaid balance will either be collected from your final pay or you may receive a debt letter with instructions for repayment.

WHEN: Automatic collection will begin January 2021 through December 2021.

WHERE: There is no action on your part, the collection will be automatic and you will be able to see the amount on your Leave and Earning Statements.

WHY: Pursuant to IRS Notice 2020-65 and at the direction of the Office of Management and Budget and Office of Personnel Management, Social Security (Old Age, Survivors, and Disability Insurance) or “OASDI” tax withholdings were temporarily deferred from September through December 2020 and will be collected from wages paid between January 1, 2021 and December 31, 2021, for employees who had wages subject to OASDI of less than $4,000 in any given pay period. These actions were in response to the Presidential Memorandum issued on August 8, 2020.

If you have any questions, please reach out to your Chain of Command, Human Resources, or one of the MCCS Personal Finance Managers at (760) 829-0175 | (760) 829-0245 | (760) 829-0105 or email .

Thrift Savings Plan (TSP) What is it?
TSP is a retirement savings and investment plan for Federal employees and members of the Uniformed Services.

  • Established in 1986
  • Opened to Military in 2000
  • Offers similar savings and tax benefits as 401(k) plans
  • One of the largest defined contribution plans in the world
  • Administered by the Federal Retirement Thrift Investment Board (FRTIB)
  • Defined Contribution Plan

TSP Advantages

  • Contributions to the TSP are yours no matter how long you serve
  • Automatic payroll deductions
  • A diversified choice of investment options
  • A choice of tax treatments for your contributions
  • Low expenses
  • If in Blended Retirement System (BRS), you receive contributions from your Service
  • In certain circumstances, you can access your money while still a member of the Uniformed Services
    Variety of withdrawal options

Types of TSP Plans

  • Matching contributions for those in the Blended Retirement System (BRS)
  • A major difference between the “High-3” or legacy retirement system and the new BRS is that the new blended system requires a traditional TSP account for
  • Service Members where the Government will contribute to the account along with the member.
  • If your DIEMS date is on or after 1 January 2019, a traditional TSP account was automatically set up for you.
  • All agency contributions go to a traditional TSP account, but your contributions can go to a traditional TSP account, a Roth TSP account or a combination of both.

Learn More about the TSP
Useful educational websites include:

By Phone: TSP ThriftLine 1-877-968-3778


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