E-books and Printed Publications

Pioneer Services understands the financial challenges faced by service members and their families. That is why we have developed videos, books, brochures and e-books exclusively for the men and women who serve our country.

"Breaking the Debt Cycle" brochure

Do you feel overwhelmed by debt? Are you struggling to make minimum payments? Do you feel you need to get out from under the crushing weight and downward spiral of bad debt? If so, our "Breaking the Debt Cycle" brochure can help you begin your journey down the path to financial independence.
Click here to download (570 KB)

Videos and workbooks
Your Credit Report covers numerous topics, including what is in a credit report, which are the major reporting agencies, and how to obtain a copy of your credit report. Because a credit report stays with you after your military career, it is important to understand the ramifications of late payments or bankruptcy. This video also covers the calculation of, and uses for, your debt ratio.

The Language of Lending outlines the information you need to consider before you acquire a loan. The video explains the difference between annual percentage rates [APR] and interest rates.

To find out more about our videos and workbooks, as well as to schedule a consultation for yourself or a group, contact your local Pioneer Services Associate.

Printed books

Drawn from more than 20 years of serving the unique financial needs of military families, the Military Spouse Finance Guide: Financial Advice for the Homefront, is a reference guide on the fundamentals of personal financial management. With forewords by Sylvia Kidd of the Association of the United States Army, and U.S. Army Command Sergeant Major Roger Stradley, (Ret) of USA Cares, Inc., the book is full of full of easy-to-follow financial tips.

Personal Finance for Military Families, created through our education partner Essential Knowledge, is written specifically for the unique financial situations faced by those in today's military. There is information about budgeting, saving, investing, how to plan for retirement, and a host of other topics.
Click here to order your copy today!

Free e-books
Essential Knowledge’s e-book series covers a wide range of financial topics and can be used not only during your military career, but also after you leave the service. Filled with real-world examples and information, each of these books focus on a specific issue.


	The Psychology of Money focuses on the reasons and remedies for the habits and behaviors you have established about money. It also looks at how both internal and external factors impact the financial decisions you make. It's a great foundation upon which you can build your financial plan. Click here to download


	Learn what it takes to not only make a budget, but how to stick to it. Basic Budgeting gives you simple, easy-to-use ideas on how to track your income and expenses, and ways to find that extra money you've been looking for every month. Click here to download


	Learn strategies on how to pay off your debt and keep it paid off. Whether it's credit cards, loans, or even filing for bankruptcy, Debt Management can give you the tools to regain control of your money. Click here to download


	These are two topics many people don't want to think about, but are necessary elements of your financial strategy. Since both topics can be very complex, this e-book takes a simplified and general view, giving you the basics you need to make good choices. Click here to download


	No matter how much (or how little) you make, Investing and Retirement can help you make the right choices with your money and retire in style! This e-book explains the different types of investments and the steps you should take to have a solid retirement plan. Click here to download

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