The provided information is a service of the Financial Readiness Center (FRC – Contractor Supported) of Army Community Service (ACS).  Clients and readers are responsible for making their own decisions on actions to take. The information presented is neither an endorsement nor any sort of recommendation.  This information is not intended to replace the advice of a qualified attorney, tax adviser, financial adviser, or insurance agent.  The provided information does not endorse an organization nor make guarantees.  The provided information is not a recommendation; clients are responsible for making up their own decisions.  This information should not be considered an exclusion of other reputable, professional organizations, products or services.  Before making any financial commitment, consult the appropriate professional adviser. The information is provided only for educating readers in order to broaden their knowledge of options that may be available.  For this educational purpose, the following information is provided.