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CFS Instructor Guide

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CFS Instructor Guide CFS Instructor Guide First Edition Recognition for Contributors PFM Program Analysts Dana Carlyle and Tammie Corbin extend their sincerest gratitude for the time and talents of these amazing PFMs from around the world and throughout the components. These consummate professionals have created a suite of curriculum that not only meets Congressional mandates for financial literacy – it also meets CFS and Service members right where they are on their financial journey. CFS Curriculum Workgroup How-to Guide Workgroup John Baker, USN, NAS Jacksonville FL Project Lead - Somalia Allen, USN, NB Kitsap WA Troy Field, USN, NAS Meridian MS Carol Allison, USN, NSA Dahlgren VA Steve Harris, USN, NSA Washington DC Lisa Clark, USN, Norfolk VA Kim Hearn, USN, NB Point Loma CA Doug McBride, USN, NS Mayport FL Tricia Marino, USN, NB Point Loma CA Jose Sanchez, USN, NS Mayport FL Karen Melvin, USN, Norfolk VA Retna Shaw, USN, NAS Lemoore CA Ed Olander, USN, Naval Base San Diego CA Mark Sowers, USCG, HSWL Norfolk VA Rebecca Ligtenberg, USCG, Base Kodiak AK Jo Rhee, USMC, Miramar CA Sarah Rohrer, USCG, TRACEN Cape May NJ Jerry Melton, USA, Ft Eustis VA Gene DeFreitas USMC, Camp Lejeune NC Gerald Williams, USMC, MCB Camp Pendleton CA Touchpoint Video Workgroup Sylvia Gavin, USA, Ft Hood TX Hilary Clarke, USN, Yokosuka Shinae Young, USA, Ft Leonard Wood MO Patrice Wheeler, USN, Bahrain Tim Hoagland, USCG, NCR Touchpoint Curriculum Workgroup Joi Tann, USCG, Washington DC Melissa Bradley, USN, NSA Hampton Roads VA Tara Gould, USMC, Okinawa William Braun, USN, Great Lakes Anthony Green, USMC, Okinawa Catrina Cain, USN, Naval Weapons Station, Yorktown VA Merilee Nevins, USA, USAG Stuttgart Kathleen Johnson, USN, NAS Whidbey Island WA Clint Strutt, USA, USAG Daegu Rachel Pequeno, USN, NAS Fallon NV Adrienne Taylor, USN, NAS Jacksonville FL Virtual CFS Workgroup Phil Vyce, USN, Naval Weapons Station, Yorktown VA Agata Carrnazza, USN, NAS Sigonella Ashley Kampfe, USCG, HSWL Norfolk VA Jennifer Belden, USN, NAS JRB New Orleans LA Graziella Panetta, USCG, Honolulu HI Lisa Clark, USN, Norfolk VA Mark Sowers, USCG, HSWL Norfolk VA Danilo Dela Dingco, USN, NS Newport RI Vincenza Vicari-Bentley, USMC, MCB Hawaii Troy Field, USN, NAS Meridian MS LouAnn Witmer, USMC, Cherryl Point NC Shellie Foster, USN, Norfolk VA Karen Bradshaw, USA, Ft Hood TX Shawn Lane, USN, NAS Oceana VA Kim Coffey, USA, JBLM WA Michael LeClear, USN, NAS Whiting Field FL Norman Okada, USN, Sasebo Japan eFPW Workgroup Shanel Morrow, USN, NB Coronado CA Deborah Davis, USN, NAS Lemoore CA Sheila Oxina, USN, NB San Diego CA Shellie Foster, USN, Norfolk VA Retnamala Shaw, USN, NAS Lemoore CA Kathleen Johnson, USN, NAS Whidbey Island WA Lauren Sims, USN, NB Kitsap WA Chanda Johnston, USN, JBPHH Lisa Johnson, USCG, Washington DC Arlene Jones, USN, San Diego CA Mark Sowers, USCG, HSWL Norfolk VA Deborah Nations, USN, NSA Naples Joi E. Tann, USCG, Washington DC Emily Ramsaire, USN, NAS Oceana VA William Snook, USN, Kings Bay GA Angela Lemaster, USCG Seattle WA Kathryn Seymour, USCG Base NCR DC Carey Snipes, USMC, Albany GA Brian Wheeler, USA, USAG Bavaria Table of Contents - Instructor Guide CFS 1 Welcome, Introduction and Administration CFS 2 The Need for PFM CFS 3 Introduction to CFS CFS 4 Introduction to Managing Finances CFS 5 Financial Counseling CFS 6 Financial Counseling Application CFS 7 Introduction to Financial Planning Worksheet CFS 8 Morgan Wayne Case Studies CFS 9 Personal Financial Recordkeeping CFS 10 Legal Issues of PFM CFS 11 Your Credit and Your Clearance CFS 12 Financial Referral Resources CFS 13 Instructional Techniques CFS 14 Survivor Benefit Plan CFS 15 Developing Your Program Welcome, Introduction and Administration Instructor Guide CFS 1 IG I. INTRODUCTION Instructor Guide Introduction Welcome to the Command Financial Specialist Training (CFST) Course and the Command Financial Specialist Training (CFST) Instructor Guide (IG). The purpose of this IG is to provide CFS instructors with complete directions on how to prepare, conduct, and complete administration for the 40-hour CFST Course. This IG includes 2 appendices. Appendix 1 provides instructions for administration of Virtual CFS (vCFS). Appendix 2 includes pretest and post-test, answer keys, and Service-specific CFS certificates. This is the first edition of a modernized CFST course which includes Congressionally-mandated financial literacy training called Touchpoints. In accordance with Department of Defense Instruction (DoDI) 1342.22 Military Family Readiness dated July 3, 2012 and Directive Type Memorandum (DTM) 19-009 Financial Readiness Common Military Training Requirements dated 13 August 2020, the Services shall offer proactive financial literacy training that provides Service members and their families with tools and information they need to meet the common financial considerations that occur in their personal and professional lives, make prudent consumer decisions to include credit, debt, and major purchases, as well as to develop personal financial strategies and goals. This CFST course supersedes the previous CFST course, published in 2009. There are two Student Manuals that accompany this IG – the CFS Student Manual plus Appendices A-J and the Touchpoint Curriculum Student Manual which includes the suite of Touchpoint Curriculum that may be used by Personal Financial Managers and Counselors or Command Financial Specialists (CFS) to complete Touchpoint Common Military Training (CMT). The CFS Student Manual includes CFS core curriculum that provides information on how to be a CFS. These chapters are numbered as CFS 1, CFS 2, etc. The order follows course topics except for CFS 6 which is presented later in the course, but located in the Student Manual next to CFS 5 which is presented early in the course so that learners will find it easier to use both chapters when conducting the counseling role-play. Each CFS Instructor Guide chapter Each CFS Student Manual chapter is structured as follows: is structured as follows: I. Introduction I. Introduction II. Learning Objectives II. Learning Objectives III. Outline III. References IV. Chapter Preparation IV. Content V. References VI. Content VII. Forms The Touchpoint Curriculum Student Manual introduces learners to Touchpoint Curriculum. These chapters are numbered as TC 1, TC 2, etc. The order follows the Touchpoints as identified in DTM 19-009. TC 1 Introduction to Touchpoint Curriculum is an administrative chapter designed to orient Personal Financial Managers and Counselors, CFS, and leaders about the new CMT, the suite of curriculum available to teach it (Touchpoint Toolbox), and how to track and validate training completion on the Counselee Checklist as well as Service-specific self-paced training options (ie Navy e-Learning and MyNavy Financial Literacy application). Welcome, Introduction and Administration 1-1 Each TC Instructor Guide chapter Each TC Student Manual chapter is structured as follows: is organized as follows: I. Course Organization and Outline I. Introduction II. Learning Objectives II. Learning Objectives III. Chapter Preparation III. References IV. Content IV. Acronyms and Abbreviations V. Touchpoint Toolbox VI. Additional Learning and Activities INSTRUCTOR NOTE: TC IGs are designed INSTRUCTOR NOTE: TC SMs are designed to accompany the PPT and may be used by specifically for use during the CFST course to Personal Financial Managers and Counselors orient the CFS to the topic and resources. They or CFS to teach each Touchpoint. are not designed to be referenced during a Touchpoint presentation. To facilitate the use of these instructional materials, the following terms and acronyms will be used: Command Financial Specialist Training .............................................................. CFST Command Financial Specialist ...............................................................................CFS Command Financial Specialist Instructor Guide ........................................................IG Command Financial Specialist Training Instructor ....................................... Instructor Command Financial Specialist Training Participants ......................................Learners Command Financial Specialist Training Student Manual ........................................ SM Financial Planning Worksheet ...............................................................................FPW Personal Financial Management Standardized Curriculum ............................. PFMSC Personal Financial Management ........................................................................... PFM Touchpoint Curriculum ..............................................................................................TC The CFS IG is designed as a complete package that can take a new CFST instructor from the planning stages of training to the final administration required for a successful course. It is written in detail for the new instructor but also in outline form for the experienced instructor. This format should meet the needs of all CFST instructors and provide for top-quality, standardized training throughout the service branches. The IG has been written for use by all training sites; therefore, the information is generic in nature. Content Icons The following icons will be used in each CFS chapter: Student Manual Icon This icon in the PowerPoint slides indicates the corresponding pages(s) in the Student Manual. Instructor Note INSTRUCTOR NOTE: This box indicates additional instructor information. Experienced instructors may want to
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