DEPARTMENT OF THE NAVY
O
FFICE
O
F THE
S
ECRETA
RY
1000
NA
VY
PENTAGON
WASHINGTON DC 20350·1000
SECNAVINST 1740.4A
ASN(MR&A)
23 Apr 2019
SECNAV INSTRUCTION 1740.4A
From: Secretary of the Navy
Subj: DEPARTMENT OF THE NAVY PERSONAL FINANCIAL MANAGEMENT
(PFM) EDUCATION, TRAINING, AND COUNSELING PROGRAM
Ref: (a) DoD Instruction 1342.22 of 03 July 2012
(b) DoD Instruction 1344.07 of 30 March 2006
(c) DoD Instruction 1344.09 of 8 December 2008
(d) SECNAVINST 1754.1B
(e) SECNAVINST 5211.5E
(f) SECNAV M-5210.1
(g) SECNAVINST 1740.2E
(h) DOD 7000.14-R,Department of Defense Financial
Management Regulations, June 2017
(i) 10 U.S.C. §992
(j) DoD Instruction 1322.31 of 26 February 2015
(k) SECNAVINST 5200.35F
(l) SECNAV M-5214.1
Encl: (1) Terms and Definitions
(2) Command Financial Specialist (CFS) Qualifications,
Functions, and Training
(3) Family Center and/or Regional Personal Financial
Management Program Responsibilities
(4) Common Military Training (CMT) Personal Financial
Management Training Subjects
(5) Initial/Lifecycle Training Continuum
(6) Sample Command Financial Specialist Letter of
Designation
(7) Sample Command Special Assistant for Personal
Finances Letter of Designation
(8) Responsibilities
1. Purpose. To revise Department of Navy (DON) policy and
assign responsibilities for the implementation of Personal
Financial Management (PFM) education, training, and counseling
programs. PFM remains a top concern for DON personnel and
family members. Financial issues for Service members can have a
direct impact on readiness and retention. In many cases,
resultant financial problems have had a serious negative impact
