Non-Personal Services (Personal Financial Management Program) The Contractor shall provide all personnel, equipment, tools, materials, supervision, and services necessary to perform Personal Financial Management Program (PFMP) service as defined in the Statement of Work (SOW) except as specified as government-furnished property and services, at Shaw Air Force Base, South Carolina. The Contractor shall perform but not limited to the following task: The Contractor shall provide seminars and individual counseling on financial planning, car, home buying and selling, money management, budgeting, consumer protection and credit management, Truth-in-Lending Act, insurance, government benefits, savings, Thrift Savings Plan and Individual Retirement Accounts. The Contractor shall provide first duty station education regarding checkbook maintenance, budgeting, credit buying, state or country liability laws and local fraudulent business practice. The Contractor shall provide refresher education concerning financial management to all E-4s and below upon arrival at installation. The Contractor shall assist in developing Home Financial Plan (HFP) to help prepare for immediate needs as well as emergencies, college, etc. The Contractor shall publicize/market financial services available to military members and their families, retired military members and their families, and DoD employees.