Market Overview

First Command Reports: Military Spouses Taking Charge of Family Finances

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First Command Financial Behaviors Index® reveals that roughly nine
out of 10 military spouses serve as their family's primary manager for
household finances

Military spouses are taking the lead role in managing the household
finances of America's career service member families, according to the
First Command Financial Behaviors Index®.

Eighty-eight percent of spouses in middle-class military families
(commissioned officers and senior NCOs in pay grades E-5 and above with
household incomes of at least $50,000) say it is primarily their role to
manage household finances, including budgeting and savings. And four out
of five military spouses (81 percent) say it is primarily their role to
manage long-term investments and retirement savings accounts.

Military spouses express confidence in their family's level of financial
preparedness. The majority of spouses say their family is prepared
financially for an eventual transition to civilian life (81 percent) as
well as in the event of a combat-related death or disability (74
percent).

Notably, the majority of military spouses are contributing to their
household's income. Seventy-three percent report that they are working
full time, and 8 percent are working part time. Five percent are not
employed, but they are seeking work.

The overwhelming majority of spouses (93 percent) agree that they want
to support their families financially, but they are hampered by the
realities of the military lifestyle. Seventy-four percent say that
frequent relocations make it difficult to find and keep employment.

"Financial readiness is a particularly important issue in the lives of
military spouses," said Scott Spiker, chairman/CEO of First Command
Financial Services, Inc. "We've long understood that their unique
experience is often one of shouldering the primary responsibility for
household budgeting and savings. Our research now confirms that military
spouses are also deeply involved in preparing for retirement, which has
become of growing concern in light of the military's new Blended
Retirement System. Financial coaching can play a key role in helping
military spouses manage these critical issues. Our surveys consistently
reveal that career military families who work with a financial advisor
are more likely to save more and feel more confident about their
finances than their colleagues who do not work with an advisor. Working
with a knowledgeable professional is an ideal way for military families
– and the spouses who manage their household finances – to make the most
of their pay and benefits in their continuing pursuit of financial
security."

About the First Command Financial Behaviors Index®

Compiled by Sentient Decision Science, Inc., the First Command Financial
Behaviors Index® assesses trends among the American public's
financial behaviors, attitudes and intentions through a monthly survey
of approximately 530 U.S. consumers aged 25 to 70 with annual household
incomes of at least $50,000. Results are reported quarterly. The margin
of error is +/- 4.3 percent with a 95 percent level of confidence. http://www.firstcommand.com/fbi/

About Sentient Decision Science, Inc.

Sentient Decision Science was commissioned by First Command to compile
the Financial Behaviors Index®. SDS is a behavioral science and
consumer psychology consulting firm with special vertical expertise
within the financial services industry. SDS specializes in advanced
research methods and statistical analysis of behavioral and attitudinal
data.

About First Command

First Command Financial Services and its subsidiaries, including First
Command Financial Planning and First Command Bank, coach our Nation's
military families in their pursuit of financial security. Since 1958,
First Command Financial Advisors have been shaping positive financial
behaviors through face-to-face coaching with hundreds of thousands of
client families.

First Command Financial Services, Inc., is the parent of First
Command Financial Planning, Inc. (Member
SIPC,
FINRA),
First Command Advisory Services, Inc., First Command Insurance Services,
Inc. and First Command Bank. Financial planning services and investment
products, including securities, are offered by First Command Financial
Planning, Inc. , a broker-dealer. Financial planning and investment
advisory services are offered by First Command Advisory Services, Inc.,
an investment adviser.
Insurance products and services are offered
by First Command Insurance Services, Inc., in all states except Montana,
where as required by law, insurance products and services are offered by
First Command Financial Services, Inc. (a separate Montana domestic
corporation). Banking products and services are offered by First Command
Bank. In certain states, as required by law, First Command Insurance
Services, Inc. does business as a separate domestic corporation.
Securities products are not FDIC insured, have no bank guarantee and may
lose value. A financial plan, by itself, cannot assure that retirement
or other financial goals will be met. First Command Financial Services,
Inc. and its related entities are not affiliated with, authorized to
sell or represent on behalf of or otherwise endorsed by any federal
employee benefits programs referenced, by the U.S. government, or the
U.S. armed forces.

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