The Personal Financial Manager (PFM) assists Marines in improving proficiency in managing personal finances. The PFM meets with individuals and couples to develop techniques to manage monthly and annual income and expenses. Techniques include tracking daily expenses. Results are used to make budget decisions and to develop a spending plan to execute the budget. Credit management is key to the plan. The PFM conducts instruction in savings and investments, buying cars and homes, saving for children's educations, retirement and estate planning, health and life insurance, and digging out of credit problems. Monthly workshops at Henderson Hall. Individual appointments are encouraged.