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==First Command Financial Behaviors Index==
==First Command Financial Behaviors Index==


First Command has developed the First Command Financial Behaviors Index. It assesses trends among the American public's financial behaviors, intentions and attitudes through a monthly survey of approximately 530 U.S. consumers, ages 25–70, with annual household incomes of at least $50,000. The survey includes active-duty service members in pay grades E-6 and above.<ref>{{Cite web|url=http://www.firstcommand.com/fbi/|title=Financial Behaviors Index • First Command Financial Services|website=www.firstcommand.com|access-date=2017-01-06}}</ref> Survey results are regularly reported on by national news organizations including the Wall Street Journal,<ref>Fuel for Consumer Rebound: Lower Oil Prices, Wall Street Journal, May 25, 2010 [https://www.wsj.com/articles/SB10001424052748704792104575264923969287284#articleTabs%3Darticle]</ref> The New York Times,<ref>The Link Between Frugality and Health, The New York Times, May 26, 2010 [http://bucks.blogs.nytimes.com/2010/05/26/the-link-between-frugality-and-health/?src=busln]</ref> McClatchy-Tribune News Service,<ref>Frugality often dovetails with healthy lifestyles, McClatchy-Tribune News Service, July 6, 2010 [http://www.jsonline.com/blogs/business/97967399.html]</ref> USA Today <ref>Boomers wanting to work past retirement age find limited options, USA Today, August 10, 2010 [https://www.usatoday.com/money/economy/employment/2010-08-10-1Aworkinglonger10_CV_N.htm]</ref> and Financial Planning magazine <ref>Savings Rate Slides While Debt Reduction Rises, Financial Planning magazine, August 12, 2010 [http://www.financial-planning.com/news/first-command-spiker-savings-2668280-1.html]</ref>
First Command has developed the First Command Financial Behaviors Index. It assesses trends among the American public's financial behaviors, intentions and attitudes through a monthly survey of approximately 530 U.S. consumers, ages 25–70, with annual household incomes of at least $50,000. The survey includes active-duty service members in pay grades E-6 and above.<ref>{{Cite web|url=http://www.firstcommand.com/fbi/|title=Financial Behaviors Index • First Command Financial Services|website=www.firstcommand.com|access-date=2017-01-06}}</ref> Survey results are regularly reported on by national news organizations including the Wall Street Journal,<ref>Fuel for Consumer Rebound: Lower Oil Prices, Wall Street Journal, May 25, 2010 [https://www.wsj.com/articles/SB10001424052748704792104575264923969287284#articleTabs%3Darticle]</ref> The New York Times,<ref>The Link Between Frugality and Health, The New York Times, May 26, 2010 [http://bucks.blogs.nytimes.com/2010/05/26/the-link-between-frugality-and-health/?src=busln]</ref> McClatchy-Tribune News Service,<ref>Frugality often dovetails with healthy lifestyles, McClatchy-Tribune News Service, July 6, 2010 [http://www.jsonline.com/blogs/business/97967399.html]</ref> USA Today <ref>Boomers wanting to work past retirement age find limited options, USA Today, August 10, 2010 [https://www.usatoday.com/money/economy/employment/2010-08-10-1Aworkinglonger10_CV_N.htm]</ref> and Financial Planning magazine <ref>Savings Rate Slides While Debt Reduction Rises, Financial Planning magazine, August 12, 2010 {{cite web |url=http://www.financial-planning.com/news/first-command-spiker-savings-2668280-1.html |title=Archived copy |accessdate=2010-08-25 |deadurl=yes |archiveurl=https://web.archive.org/web/20100817124213/http://www.financial-planning.com/news/first-command-spiker-savings-2668280-1.html |archivedate=2010-08-17 |df= }}</ref>


==Financial Planner Oath==
==Financial Planner Oath==
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* First Command Press Release. [http://www.firstcommand.com/pdf/industry_research.pdf First Command launches landmark industry research initiative] April 23, 2008. Accessed April 22, 2009
* First Command Press Release. [http://www.firstcommand.com/pdf/industry_research.pdf First Command launches landmark industry research initiative] April 23, 2008. Accessed April 22, 2009
* Reuters. [http://www.firstcommand.com/pdf/RisingCostsReuters.pdf Rising cost of living in US cuts into savings] July 17, 2008. Accessed April 22, 2009
* Reuters. [http://www.firstcommand.com/pdf/RisingCostsReuters.pdf Rising cost of living in US cuts into savings] July 17, 2008. Accessed April 22, 2009
* NASD Press Release; [http://www.nasd.com/PressRoom/NewsReleases/2004NewsReleases/NASDW_012786?ssSourceNodeId=553 NASD Orders First Command to Pay $12 Million for Misleading Statements in Sales of Systematic Investment Plans to Military Personnel. December 15, 2004] Accessed 4/17/07
* NASD Press Release; [https://archive.is/20130129143919/http://www.nasd.com/PressRoom/NewsReleases/2004NewsReleases/NASDW_012786?ssSourceNodeId=553 NASD Orders First Command to Pay $12 Million for Misleading Statements in Sales of Systematic Investment Plans to Military Personnel. December 15, 2004] Accessed 4/17/07
* SEC [https://www.sec.gov/litigation/admin/33-8513.htm U.S. SEC. Securities Act of 1933 Release No 8513/ December 15, 2004; Securities Act of 1934 Release 508559, December 15, 2004.] Accessed 4/16/07
* SEC [https://www.sec.gov/litigation/admin/33-8513.htm U.S. SEC. Securities Act of 1933 Release No 8513/ December 15, 2004; Securities Act of 1934 Release 508559, December 15, 2004.] Accessed 4/16/07
* Smith, Lamar. [http://financialservices.house.gov/media/pdf/090904ls.pdf "Written Statement of Lamar Smith Chairman and Chief Executive Officer of First Command Financial planning Inc on GI Finances: Protecting those whose Protect Us before the Subcommittee on Capital Markets, Insurance and Government Sponsored Enterprises of the Committee on Financial Services U.S. House of Representatives September 9, 2004."] Accessed 4/15/07.
* Smith, Lamar. [http://financialservices.house.gov/media/pdf/090904ls.pdf "Written Statement of Lamar Smith Chairman and Chief Executive Officer of First Command Financial planning Inc on GI Finances: Protecting those whose Protect Us before the Subcommittee on Capital Markets, Insurance and Government Sponsored Enterprises of the Committee on Financial Services U.S. House of Representatives September 9, 2004."] Accessed 4/15/07.

Revision as of 11:13, 1 October 2017

First Command Financial Planning, Inc.
Company typePrivately held companies
IndustryFinancial Planning
Founded1958
HeadquartersFort Worth, Texas
Key people
J. Scott Spiker, Chairman/Chief Executive Officer
ProductsMutual Funds, banking, life insurance
Websitewww.firstcommand.com

First Command Financial Planning, Inc. is a broker-dealer registered with the U.S. Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), all 50 states, and the District of Columbia. It is a member of the Securities Investor Protection Corporation (SIPC).[1] First Command is recognized in the financial planning industry as an FPA Alliance firm, one of only two companies ever to receive this elite recognition from the 27,000-member Financial Planning Association.

History

Business Model

First Command provides personalized services through locally based trained and licensed Financial Advisors and through its Home Office in Fort Worth, Texas. The company offers advice on securities, with an emphasis on mutual funds, annuities, life insurance, and municipal funds (including Section 529 Plans). Through related companies it offers insurance and banking products and services.[2] As of December 31, 2009, First Command had more than 285,000 client families, $14.7 billion in managed assets, $51.7 billion in life insurance policies in force and $615 million in banking assets.[2]

The company has a long history of working with military officers. In 2007, Scott Spiker, a graduate of the U.S. Naval Academy was named CEO in an effort to turn the company into a premier fiduciary firm serving military families after sanctions by the Securities and Exchange Commission (SEC) over 13 years ago (2004). The firm has refocused on full compliance with various laws and proudly serves those seeking financial planning advice.

First Command provides complimentary financial plans for all active duty U.S. military service members. Currently, there are more than 473 Financial Advisors at First Command, 71% of whom are veterans or military spouses. First Command states its Mission as “coaching those who serve in their pursuit of financial security.”[3]

Early years

First Command was founded in 1958 by Carroll Payne, a retired military officer who realized that military families needed assistance in planning for their financial futures. Payne wanted to create a company that recognized and dealt with the unique circumstances applicable to United States military personnel.[4]

The company began as a broker/dealer called United Services Investment Association Inc. (USIA), which later became United Services Planning Association Inc. (USPA). USIA’s membership in the NASD (now FINRA) was approved on Jan. 21, 1959.[5] In 1963, USPA began offering financial plans to its clients, designed to promote long-term saving and investing. Dollar cost averaging and a pay-yourself-first approach were also used to encourage clients to invest on a regular basis.[6] In the mid ‘60s, USPA expanded its product offerings to include life insurance, leading to the creation of the Independent Research Agency for Life Insurance, Inc. (IRA).[5]

In 1970, USPA and IRA began operating under the combined name of USPA&IRA, a name which remained in use for the next three decades.

International expansion and corporate growth

In 1979, the company opened its first office outside the continental U.S, in Hawaii; three years later international operations began with an office in Germany.[5] A charitable foundation, now known as the First Command Educational Foundation, began in 1983.[5]

Payne died in 1984 and was succeeded by Ralph Smith, who served as chairman and CEO until his retirement in December 1985. George Talley then served as chairman and CEO from 1986–1991.[5] During Talley's tenure, USPA&IRA grew to 500 advisors and exceeded 200,000 families.[6] Lamar Smith, company president and COO, was promoted to chairman and CEO in 1992.

First Command Bank opened for business on April 21, 1997. In less than six months, the bank was posting more than 100 new deposit accounts and 50 new loans weekly.[6] In 1998, USPA&IRA went “private,” transitioning from a C Corporation to an S Corporation and later, in 2002, become 100% employee owned.[5] USPA&IRA launched a tax services program in 2001.

Name change to First Command

USPA&IRA changed its name to First Command Financial Planning in 2001.[5] The company explained that it changed its name because:

We are sometimes confused with other companies that service the military and former military clientele and whose names also start with letters “US...”. There are several such companies, but none like us and we don’t want any confusion.[7]

Becoming Registered Investments Advisors

In anticipation of an SEC ruling requiring that all firms whose primary business is financial planning must become a Registered Investment Advisor (RIA), First Command filed with the SEC to become one in the spring of 2005. This requires their agents to obtain additional training and certifications. As RIAs, the agents could now use the term "Financial Advisors" as compared to "Registered Agents", with the former being held to a higher ethical standard.[8] The higher standards require agents to document every client interaction in great detail and apply due diligence to all investment recommendations to ensure they are in the best interests of the client.[9] The company no longer offers the controversial systematic investment plans.[1]

Recognition as FPA Alliance firm

In 2009, First Command was recognized in the financial planning industry as an FPA Alliance firm, one of only two companies ever to receive this elite recognition from the 27,000-member Financial Planning Association. In an April 2009 announcement, FPA President Richard Salmen said First Command was being recognized for its “commitment to professionalism in financial planning. … First Command has publicly demonstrated a commitment to putting their clients' interests first. The company has registered with the SEC as an investment adviser and all of its financial planners are registered as Investment Adviser Representatives under First Command's RIA. And, First Command has met the program requirements, including adherence to the principles of professionalism for FPA Alliance. The firm has a strong commitment to lifelong learning and leadership development." [10]

Partnerships

First Command has partnered with several organizations that support military veterans and their families. These include Hiring Our Heroes,[11] Project Sanctuary,[12] the Association of the United States Army,[13] the Marine Corps Marathon,[14] Army West Point Athletics,[15] and the Department of Defense Military Spouse Employment Partnership.[16]

Charity Involvement

First Command established the First Command Education Foundation (FCEF). The FCEF is a 501(c)(3) non-profit public charity dedicated to improving financial readiness through education and scholarship opportunities. FCEF has been providing its services since 1983.[17]

Corporate Structure

Leadership Team

Scott Spiker became the first Chief Executive Officer recruited from outside the company in September 2007 after holding top leadership positions at Norwest Corp., RBC Dain Rauscher, Definity Health, Stanton Group and Destiny Health.[26] In 2017, Spiker was elected into a dual role as Chairman of the Board and CEO.[18] The rest of the board includes Mark D. Steffe as Executive Vice President and National Director of Advisor Operations, Michael F. Morrison as Executive Vice President and Chief Financial Officer, Hugh A. Simpson as Executive Vice President of General Counsel and Secretary, W. David White as President of First Command Bank, Jill Lyttle as Executive Vice President of Human Resources and Leadership Development, Jerry Wackerhagen as Executive Vice President of Operations and Technology, and Luis A. Muniz, CFP® as Senior Vice President of Advisor Services.[19]

First Command Financial Behaviors Index

First Command has developed the First Command Financial Behaviors Index. It assesses trends among the American public's financial behaviors, intentions and attitudes through a monthly survey of approximately 530 U.S. consumers, ages 25–70, with annual household incomes of at least $50,000. The survey includes active-duty service members in pay grades E-6 and above.[20] Survey results are regularly reported on by national news organizations including the Wall Street Journal,[21] The New York Times,[22] McClatchy-Tribune News Service,[23] USA Today [24] and Financial Planning magazine [25]

Financial Planner Oath

In the Spring 2010 issue of First Command’s Journey magazine, the company reiterated its commitment to the FPA Alliance program with the introduction of The Financial Planner Oath.[26] Resembling in part the Hippocratic Oath, the document is intended help members of the financial planning industry publicly state their commitment to act in their client’s best interests at all times. The Financial Planner Oath [27] is provided to new First Command Financial Advisors as part of their training, and the document is made available online to financial planners at other firms free of charge as a public service.

Criticism and Controversy

In 2004, a New York Times investigative report by Diana B. Henriques named First Command as being one of several investment firms engaged in deceptive marketing of financial instruments aimed at military veterans.[28] On 15 December of that year, the U.S. Securities and Exchange Commission (SEC) determined that First Command had "willfully violated the Securities Act of 1933 Section 17(a)(2) dealing with inter-state fraud" in its marketing activities targeting veterans.[29] In particular, the SEC concluded that First Command had sold mutual fund investments to veterans termed "systematic plans" that bore very high sales charges termed "front-end sales loads", "by, in part, making misleading statements and omissions concerning, among other things: (a) comparisons between the systematic plan and other mutual fund investments; (b) the availability of the Thrift Savings Plan ("TSP"), which offers military investors many of the features of a systematic plan at lower costs; and (c) the efficacy of the front-end sales load in ensuring that investors remain committed to the systematic plan."[29]

In an independent investigation, the National Association of Securities Dealers (NASD) charged First Command "with inappropriately confronting a customer who complained, failing to maintain e-mail, failing to maintain adequate supervisory systems and procedures and filing an inaccurate Form U-5 regulatory report".[30][31]

In December 2004, First Command entered into a $12 million settlement with the SEC and NASD without admitting guilt.[32] As part of the settlement, First Command agreed to offer restitution to all clients who had purchased and sold a systematic plan between 1999 and 2004, establishment of educational programs, and monitoring or prefiling.[33] People who had not terminated their systematic plan were not covered in the settlement. In September 2007, a California judge granted "Class Action" status to a 2005 lawsuit filed by systematic plan holders whose plans were active when the SEC issued its ruling on December 15, 2004.[34] In October 2008, attorneys for the plaintiffs sought court approval for a settlement.[35] The settlement was approved by the court in April 2009.

In 2004, the SEC report noted "The great majority of the firm's agents are former commissioned or non-commissioned military officers.”[29] The report was part of the proceedings in reaching a settlement with First Financial over charges that the firm "willfully violated the Securities Act of 1933 Section 17(a)(2) dealing with inter-state fraud" in marketing financial instruments to veterans.[29]

As of August 2006, Mary Shapiro, the NASD Vice-Chairman and President of Regulatory Policy and Oversight, continued to be critical of First Command, calling it an "unscrupulous organization" with an "awful" product. First Command's new president, Marty Durbin, responded to her criticism by stating, "It’s unfortunate that settling these charges still doesn’t mean it’s behind us. But it’s a futile effort to try to fight negative press and so we decided not to put a lot of energy that way."[36]

Following Controversy

In 2006, First Command introduced long term care and property and casualty insurance.[9] Later that year in December, First Command announced it had signed on as a corporate partner with the Bell Helicopter Armed Forces Bowl.[37]

In September 2007, Samantha Hilliard, First Command district advisor was featured in Newsweek. Hilliard received the 2007 realLIFEstories Client Service Award for her service to the widow of an Army officer killed in Iraq. The award was presented by the Life and Health Insurance Foundation for Education (LIFE), a non-profit group dedicated to providing the public with information and education on life, disability, long-term care and health insurance.[38]

On July 4, 2008, ABC’s Good Morning America featured a story on a First Command sponsored charity the Package Brigade that sends care packages to troops serving in Iraq and Afghanistan.[39] That same summer, the U.S. Department of Defense and the National Committee for Employer Support of the Guard and Reserve honored First Command with the Patriotic Employer Award, which is presented to companies and individuals for contributing to national security and protecting liberty and freedom by supporting employee participation in America’s National Guard and Reserve force.[40]

Current Operations

First Command Financial Services, Inc. announced In June 2013 that it is offering banking support to its clients who have been impacted by the Black Forest Fire near Colorado Springs.[41] In February 2015, with the threat of a government-funding crisis, First Command Financial Services offered to cover Coast Guard pay in the event of a funding crisis.[42] With a new military retirement system being enforced, First Command’s CEO Scott Spiker offered his perspective to the Spring 2016 issue of Journey “I believe there are legitimate concerns about whether this structural reform of military retirement will really be in the long-term best interests of future service members,” Spiker said. “It almost assuredly will not be in the long-term best interests of those service members who fail to grasp the importance of taking full advantage of the Thrift Savings Plan and making smart, informed decisions about the new lump sum bonus opportunities and other key military benefits. This is not, in other words, a time for service members and their families to passively assume that their financial future is set.”[43]

Awards and Recognitions

  • In December, 2016 First Command Financial Services was ranked as one of the Best Places to Work in Texas by Texas Monthly, the Texas Association of Business, Texas Society for Human Resource Management and Best Companies Group.[44]
  • In August, 2016, First Command Financial Services was awarded the Silver Bowl Award for the Best Use of Social for Recruiting by LIMRA and LOMA.[45]
  • In November 2015, First Command Financial Services was named a top employer of military veterans and spouses by Victory Media, publisher of G.I. Jobs and Military Spouse magazines.[46]
  • In January 2016, Fort Worth Business Named First Command Financial Services as the Best Large Company to work for in Fort Worth.[47]
  • In May 2016, First Command Financial Services won the Most Valuable Employers (MVE) for Military by CivilianJobs.com.[48]

Notes

  1. ^ a b First Command.Description of Services: First Command Financial Planning Inc. Accessed 6/19/07
  2. ^ [1] Accessed 8/23/10
  3. ^ Services, First Command Financial. "First Command Financial Services - Mission". www.firstcommand.com. Retrieved 2016-12-07.
  4. ^ History of First Command Accessed April 22, 2009
  5. ^ a b c d e f g “Dream Boldly: First Command Financial Services Celebrating 50 Years of History” Designed by Anniversary Press, Copyright 2008 by First Command Financial Services
  6. ^ a b c “In Pursuit of the American Dream: First Command celebrates 50 years of commitment to American families” Spring 2009 Journey magazine
  7. ^ Spring 2001 issue of Independence (the company's monthly magazine now known as First Command)
  8. ^ Financial job titles clarified by ruling, licenses The Arizona Republic. April 15, 2007. Accessed June 18, 2007.
  9. ^ a b “The New Age Of Comprehensive Financial Planning.” First Command Financial Services. May 2008.
  10. ^ FPA Recognizes First Command Financial Services as FPA Alliance Firm, April 28, 2009 [2]
  11. ^ Services, First Command Financial. "First Command Financial Services - Hiring Our Heroes". www.firstcommand.com. Retrieved 2016-12-15.
  12. ^ Services, First Command Financial. "Helping Military Families Heal". www.firstcommand.com. Retrieved 2016-12-15.
  13. ^ "First Command Announces Affinity Partnership With AUSA". www.firstcommand.com. Retrieved 2016-12-15.
  14. ^ "Pep Rally - 42nd MCM". Marine Marathon. Retrieved 2016-12-15.
  15. ^ "First Command is Proud to Partner with Army West Point Athletics". First Command. Retrieved 2016-12-15.
  16. ^ Services, First Command Financial. "First Command Joins Military Spouse Employment Partnership • News • First Command Financial Services". www.firstcommand.com. Retrieved 2016-12-15.
  17. ^ "First Command Educational Foundation". www.fcef.com. Retrieved 2016-12-15.
  18. ^ "First Command Reports: Career Military Anxious over Possible Government Shutdown". www.businesswire.com. Retrieved 2017-04-26.
  19. ^ Services, First Command Financial. "First Command Financial Services - Leadership". firstcommand.com. Retrieved 2016-12-21.
  20. ^ "Financial Behaviors Index • First Command Financial Services". www.firstcommand.com. Retrieved 2017-01-06.
  21. ^ Fuel for Consumer Rebound: Lower Oil Prices, Wall Street Journal, May 25, 2010 [3]
  22. ^ The Link Between Frugality and Health, The New York Times, May 26, 2010 [4]
  23. ^ Frugality often dovetails with healthy lifestyles, McClatchy-Tribune News Service, July 6, 2010 [5]
  24. ^ Boomers wanting to work past retirement age find limited options, USA Today, August 10, 2010 [6]
  25. ^ Savings Rate Slides While Debt Reduction Rises, Financial Planning magazine, August 12, 2010 "Archived copy". Archived from the original on 2010-08-17. Retrieved 2010-08-25. {{cite web}}: Unknown parameter |deadurl= ignored (|url-status= suggested) (help)CS1 maint: archived copy as title (link)
  26. ^ Our Commitment to You, Journey magazine, Spring 2010
  27. ^ The Financial Planner Oath
  28. ^ Henrique, Diana (June 20, 2004). "Basic Training Doesn't Guard Against Insurance Pitch to G.I.'s". New York Times. Retrieved 2007-04-16.
  29. ^ a b c d UNITED STATES OF AMERICA Before the SECURITIES AND EXCHANGE COMMISSION (December 15, 2004). "ORDER INSTITUTING ADMINISTRATIVE AND CEASE-AND-DESIST PROCEEDINGS, MAKING FINDINGS, AND IMPOSING REMEDIAL SANCTIONS AND A CEASE-AND-DESIST ORDER PURSUANT TO SECTION 8A OF THE SECURITIES ACT OF 1933 AND SECTION 15(b) OF THE SECURITIES EXCHANGE ACT OF 1934". No. Securities Act of 1933 Release No. 8513, Securities Exchange Act of 1934 Release No. 50859. Securities and Exchange Commission. Retrieved 19 April 2015.
  30. ^ NASD
  31. ^ Henriques, Inquiry Stymied
  32. ^ Schulz, James, Aging Nation: The Economics and Politics of Growing Older in America, p 123, 2008, JHU Press
  33. ^ SEC p. 12.
  34. ^ Karen Jowers. First Command lawsuit ruled a class action September 27, 2007. Accessed 1/7/08
  35. ^ Declaration of Norman B. Blumenthal in support of motion for preliminary approval of class settlement, dated OCT. 16, 2008
  36. ^ Lee, Shelley. "Marty Durbin on First Command’s ‘Perfect Storm,’ Moving Beyond, and Serving Middle America" Journal of Financial Planning. November 2006. Accessed June 18, 2006.
  37. ^ First Command Press Release. First Command Bank partners with Armed Forces Bowl December 12, 2006. Accessed January 7, 2009
  38. ^ First Command press release. First Command Advisor receives 2007 realLIFEstories Client Service Award September 5, 2007. Accessed January 7, 2009
  39. ^ Good Morning America The Package Brigade: one woman’s effort to boost her brother’s spirit started a movement July 4, 2008. Accessed January 6, 2009
  40. ^ First Command Press Release First Command named ‘Patriotic Employer’ by Department of Defense August 7, 2008. Accessed January 7, 2009
  41. ^ Services, First Command Financial. "First Command Financial Services - News". www.firstcommand.com. Retrieved 2017-01-19.
  42. ^ Services, First Command Financial. "First Command Will Cover Coast Guard Pay In Event of Government Funding Crisis • News • First Command Financial Services". www.firstcommand.com. Retrieved 2017-01-19.
  43. ^ Services, First Command Financial. "First Command shares CEO perspective on new military retirement system • News • First Command Financial Services". www.firstcommand.com. Retrieved 2017-01-19.
  44. ^ "First Command Ranked among Top Texas Employers". Retrieved 2017-01-13.
  45. ^ "LIMRA and LOMA Announce 2016 Social Media Silver Bowl Award Winners". Limra.com. Retrieved 2017-01-13.
  46. ^ Services, First Command Financial. "First Command Reports: Career Military Confident Lawmakers Will Avoid Government Shutdown". www.firstcommand.com. Retrieved 2017-01-13.
  47. ^ "Best Places to Work Large Company". Fortworthbusiness.com. Retrieved 2017-01-13.
  48. ^ Services, First Command Financial. "First Command wins national military employer award". www.firstcommand.com. Retrieved 2017-01-13.

References

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