Family Programs offers personal financial counselor services

SANDSTON, Va. — The Virginia National Guard Family Programs Office provides a personal financial counselor at no cost to service members and their families.

Personal Financial Counselor Michele Viola-Hudak, is located at the Mullins Armory on Beulah Road in Sandston. Contact her at or by phone at 703-635-9853.

According to Virginia National Guard State Family Programs Director Vickie Sais she offers National Guard service members financial services at no cost and is now available for appointments within a 50 mile radius of Sandston. She will also travel to drill for briefings and personal appointments, and can conduct “Lunch and Learn” on a variety of topics.

Sais said that when traveling more than 50 miles from Sandston, she will need a request form sent to OSD and will need two weeks’ notice to put in a travel request.

The following financial services are offered:

* Blended Retirement System

* Assistance in setting up workable spending plans

* Understanding the new blended retirement system

* Reviewing credit reports and advise on how to increase FICO scores

* If needed, dispute any incorrect information on your credit report

* Develop a budget to meet your financial needs

* Investing in the TSP and choosing the funds which will help meet your financial objectives

* Comprehensive Investment planning

* Comprehensive Retirement planning

* Comprehensive Estate planning

* Financial advice when purchasing a new car or home

* Consultations on any other financial matter

Viola-Hudak is retired active duty Navy and well as a spouse of a retired active duty Navy service member. After leaving the military, she started working for Zeiders, Enterprises as a Financial Educator and Counselor and received her certification as an Accredited Financial Counselor, AFC from the Association for Financial Counseling and Planning Education, AFCPE.

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