Financial Education for Military Veterans

A course tailored to the specific financial circumstances of those leaving or who have left the UK Armed Forces. It addresses the financial aspects of transition to civilian life, Armed Forces pensions, veteran-specific benefits and support, and adjusting to civilian pay and housing structures. By the end of this course, participants will be able to describe the financial implications of transitioning from military to civilian life, explain the main features of the Armed Forces Pension Schemes (AFPS 75, 05, and 15), and identify benefits, grants, and support services available specifically to veterans and their families. They will also be able to plan for common transition challenges such as housing, budgeting, and employment gaps, and locate trusted sources of financial guidance within the military and veteran community.

Course Curriculum

16 Chapters · 257 Lessons

1
Understanding Your Military Pension
1. (Included in full purchase)
  Introduction & Learning Objectives
2. (Included in full purchase)
  Three Armed Forces Pension Schemes
3. (Included in full purchase)
  AFPS 75: Original Final Salary Scheme
4. (Included in full purchase)
  AFPS 05: Final Salary, Pension Age 65
5. (Included in full purchase)
  AFPS 15: Career Average (CARE) Scheme
6. (Included in full purchase)
  Early Service Leavers
7. (Included in full purchase)
  Commutation Explained
8. (Included in full purchase)
  Survivor and Dependant Benefits
9. (Included in full purchase)
  How to Check Your Pension Forecast
10. (Included in full purchase)
  Combining Military, Civilian & State Pensions
11. (Included in full purchase)
  Common Mistakes
12. (Included in full purchase)
  Emotional Side of Pension Transition
13. (Included in full purchase)
  Personal Reflection
14. (Included in full purchase)
  Frequently Asked Questions
15. (Included in full purchase)
  Additional Help and Resources
16. (Included in full purchase)
  Knowledge Check Quiz
17. (Included in full purchase)
  Module Complete
2
Benefits, Entitlements, and Financial Support for Veterans
1. (Included in full purchase)
  Introduction & Learning Objectives
2. (Included in full purchase)
  The War Pension Scheme
3. (Included in full purchase)
  Armed Forces Compensation Scheme (AFCS)
4. (Included in full purchase)
  Armed Forces Independence Payment (AFIP)
5. (Included in full purchase)
  Benefits and How Service Affects Them
6. (Included in full purchase)
  Veterans UK — What They Do
7. (Included in full purchase)
  Charitable Support
8. (Included in full purchase)
  Benevolent Funds
9. (Included in full purchase)
  Council Tax & Local Authority Support
10. (Included in full purchase)
  The Armed Forces Covenant
11. (Included in full purchase)
  Navigating the System in Practice
12. (Included in full purchase)
  The Emotional Barriers
13. (Included in full purchase)
  Personal Reflection
14. (Included in full purchase)
  Frequently Asked Questions
15. (Included in full purchase)
  Additional Help and Resources
16. (Included in full purchase)
  Knowledge Check Quiz
17. (Included in full purchase)
  Module Complete
3
Debt, Financial Difficulty, and Rebuilding After Service
1. (Included in full purchase)
  Introduction & Learning Objectives
2. (Included in full purchase)
  Why Financial Difficulty Is Common
3. (Included in full purchase)
  Mental Health and Financial Wellbeing
4. (Included in full purchase)
  Recognising the Warning Signs
5. (Included in full purchase)
  Mapping Your Debts
6. (Included in full purchase)
  What to Pay First
7. (Included in full purchase)
  Formal Debt Solutions
8. (Included in full purchase)
  Negotiating With Creditors
9. (Included in full purchase)
  Free, Regulated Debt Advice
10. (Included in full purchase)
  Veteran-Specific Financial Support
11. (Included in full purchase)
  Rebuilding Your Finances After Difficulty
12. (Included in full purchase)
  Protecting Yourself From Scams
13. (Included in full purchase)
  Personal Reflection
14. (Included in full purchase)
  Frequently Asked Questions
15. (Included in full purchase)
  Additional Help and Resources
16. (Included in full purchase)
  Knowledge Check Quiz
17. (Included in full purchase)
  Module Complete
4
Insurance and Protection: Close The Gap as a Civilian
1. (Included in full purchase)
  Introduction & Learning Objectives
2. (Included in full purchase)
  The Protection Gap Audit
3. (Included in full purchase)
  Life Insurance After Service
4. (Included in full purchase)
  Income Protection
5. (Included in full purchase)
  Critical Illness Cover
6. (Included in full purchase)
  Health Cover — NHS Entitlements
7. (Included in full purchase)
  Insurance With Pre-Existing Conditions
8. (Included in full purchase)
  Home and Contents Insurance
9. (Included in full purchase)
  Motor Insurance for Veterans
10. (Included in full purchase)
  Writing Life Insurance in Trust
11. (Included in full purchase)
  Help From Veteran Friendly Resources
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete
5
Mental Health, Identity and Financial Wellbeing After Service
1. (Included in full purchase)
  Introduction & Learning Objectives
2. (Included in full purchase)
  The Identity Shift
3. (Included in full purchase)
  Mental Health & Financial Decisions
4. (Included in full purchase)
  Recognising the Warning Signs
5. (Included in full purchase)
  Strategies When You're Struggling
6. (Included in full purchase)
  The Power of Routine
7. (Included in full purchase)
  Substance Use and Financial Harm
8. (Included in full purchase)
  Gambling and Veterans
9. (Included in full purchase)
  Asking for Help Without Shame
10. (Included in full purchase)
  How Partners & Families Can Help
11. (Included in full purchase)
  Building a New Sense of Purpose
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete
6
Understanding and Accessing NHS and Veteran Healthcare
1. (Included in full purchase)
  Introduction & Learning Objectives
2. (Included in full purchase)
  Defence Medical Services to the NHS
3. (Included in full purchase)
  Registering With a Civilian GP
4. (Included in full purchase)
  Veteran Friendly GP Practices
5. (Included in full purchase)
  Priority NHS Treatment
6. (Included in full purchase)
  Op COURAGE
7. (Included in full purchase)
  Op RESTORE
8. (Included in full purchase)
  NHS Dental Care After the Military
9. (Included in full purchase)
  Prescription Costs and Exemptions
10. (Included in full purchase)
  Private Healthcare & Health Insurance
11. (Included in full purchase)
  The Financial Cost of Poor Health
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete
7
Tax, National Insurance and Self Assessment for Veterans
1. (Included in full purchase)
  Introduction & Learning Objectives
2. (Included in full purchase)
  How the UK Tax System Works
3. (Included in full purchase)
  Your Tax Code — What It Means
4. (Included in full purchase)
  National Insurance
5. (Included in full purchase)
  Voluntary NI Contributions
6. (Included in full purchase)
  Self Assessment — Who, How, When
7. (Included in full purchase)
  Tax on Self-Employment Income
8. (Included in full purchase)
  Tax on Rental Income
9. (Included in full purchase)
  Tax on Lump Sums and Awards
10. (Included in full purchase)
  Tax-Efficient Saving & Investing
11. (Included in full purchase)
  Getting Help From Free to Paying
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete
8
Navigating Civilian Financial Products and Avoiding Pitfalls
1. (Included in full purchase)
  Introduction & Learning Objectives
2. (Included in full purchase)
  The Civilian Financial Marketplace
3. (Included in full purchase)
  Credit Cards — Understanding APR
4. (Included in full purchase)
  Car Finance & How They Catch You Out
5. (Included in full purchase)
  Energy and Utility Bills
6. (Included in full purchase)
  Mobile and Broadband Contracts
7. (Included in full purchase)
  Comparing Insurance Without Overpaying
8. (Included in full purchase)
  Recognising Predatory Lending
9. (Included in full purchase)
  Financial Marketing and Pressure Tactics
10. (Included in full purchase)
  Using Comparison Sites Effectively
11. (Included in full purchase)
  Decision Framework Before Buying
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete
9
Building a Civilian Credit History From Scratch
1. (Included in full purchase)
  Introduction & Learning Objectives
2. (Included in full purchase)
  Why Service Leaves Many Invisible
3. (Included in full purchase)
  How UK Credit Scoring Actually Works
4. (Included in full purchase)
  Check Your Credit File for Free
5. (Included in full purchase)
  Electoral Roll — Simplest First Step
6. (Included in full purchase)
  Starter Credit Products
7. (Included in full purchase)
  Utility Bills, Phone Contracts & Banking
8. (Included in full purchase)
  Common Credit-Building Mistakes
9. (Included in full purchase)
  How Long Does It Actually Take?
10. (Included in full purchase)
  Credit Checks and Renting
11. (Included in full purchase)
  The 12-Month Plan
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete
10
Planning for a Second Career
1. (Included in full purchase)
  Introduction & Learning Objectives
2. (Included in full purchase)
  Reframing the Story
3. (Included in full purchase)
  Civilian Careers — How Income Develops
4. (Included in full purchase)
  Building a Civilian Pension
5. (Included in full purchase)
  Your Combined Retirement Picture
6. (Included in full purchase)
  Long-Term Investing for Veterans
7. (Included in full purchase)
  Property as a Long-Term Asset
8. (Included in full purchase)
  Tax Planning Across a Civilian Career
9. (Included in full purchase)
  Financial Planning for Second Careers
10. (Included in full purchase)
  Teaching Your Children About Money
11. (Included in full purchase)
  Legacy and Estate Planning
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete
11
Financial Health Audit: Where Do You Actually Stand?
1. (Included in full purchase)
  Introduction & Learning Objectives
2. (Included in full purchase)
  Why Veterans Avoid a Full Review
3. (Included in full purchase)
  Building Your Net Worth Statement
4. (Included in full purchase)
  Auditing Your Military Pension
5. (Included in full purchase)
  Tracing Lost or Forgotten Assets
6. (Included in full purchase)
  Reviewing Your Protection Position
7. (Included in full purchase)
  Assessing Your Retirement Adequacy
8. (Included in full purchase)
  Identifying the Gaps
9. (Included in full purchase)
  Creating Your Priority Action List
10. (Included in full purchase)
  Where to Get Independent Help
11. (Included in full purchase)
  Personal Reflection
12. (Included in full purchase)
  Frequently Asked Questions
13. (Included in full purchase)
  Additional Help and Resources
14. (Included in full purchase)
  Knowledge Check Quiz
15. (Included in full purchase)
  Module Complete
12
Catching Up on Civilian Pension Saving
1. (Included in full purchase)
  Introduction & Learning Objectives
2. (Included in full purchase)
  Understanding Where You Actually Stand
3. (Included in full purchase)
  The Tax Relief Advantage
4. (Included in full purchase)
  Annual Allowance and Carry Forward
5. (Included in full purchase)
  Auto-Enrolment and Employer Match
6. (Included in full purchase)
  Salary Sacrifice
7. (Included in full purchase)
  Self-Employed Veterans — SIPPs
8. (Included in full purchase)
  Drawing Military Pension & Still Saving
9. (Included in full purchase)
  Defined Benefit vs Defined Contribution
10. (Included in full purchase)
  What Catch-Up Actually Means
11. (Included in full purchase)
  Personal Reflection
12. (Included in full purchase)
  Frequently Asked Questions
13. (Included in full purchase)
  Additional Help and Resources
14. (Included in full purchase)
  Knowledge Check Quiz
15. (Included in full purchase)
  Module Complete
13
Service-Related Conditions and Their Financial Consequences
1. (Included in full purchase)
  Introduction & Learning Objectives
2. (Included in full purchase)
  Conditions With Financial Entitlements
3. (Included in full purchase)
  The War Pension Scheme
4. (Included in full purchase)
  Armed Forces Compensation Scheme
5. (Included in full purchase)
  War Pension vs AFCS — Which Applies?
6. (Included in full purchase)
  Personal Independence Payment (PIP)
7. (Included in full purchase)
  Civil Negligence Claims Against MoD
8. (Included in full purchase)
  Noise-Induced Hearing Loss
9. (Included in full purchase)
  Tax Treatment of Compensation Payments
10. (Included in full purchase)
  The Cumulative Picture
11. (Included in full purchase)
  Getting Specialist Help
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete
14
Building Wealth in Your 40s and 50s as a Veteran
1. (Included in full purchase)
  Introduction & Learning Objectives
2. (Included in full purchase)
  Your Wealth-Building Advantage
3. (Included in full purchase)
  ISAs — The Compounding Engine
4. (Included in full purchase)
  Property Equity
5. (Included in full purchase)
  Investment Basics — 45 Is Not Too Late
6. (Included in full purchase)
  Military Pension & Your Investment Risk
7. (Included in full purchase)
  Inheritance Tax Planning — Start Earlier
8. (Included in full purchase)
  Mid-Life Protection Review
9. (Included in full purchase)
  Financial Discipline & the Next Generation
10. (Included in full purchase)
  Financial Planner vs Financial Adviser
11. (Included in full purchase)
  Personal Reflection
12. (Included in full purchase)
  Frequently Asked Questions
13. (Included in full purchase)
  Additional Help and Resources
14. (Included in full purchase)
  Knowledge Check Quiz
15. (Included in full purchase)
  Module Complete
15
Approaching Retirement as a Veteran
1. (Included in full purchase)
  Introduction & Learning Objectives
2. (Included in full purchase)
  Mapping your complete retirement income
3. (Included in full purchase)
  The military pension in retirement
4. (Included in full purchase)
  State pension optimisation
5. (Included in full purchase)
  Drawdown versus annuity for civilian pensions
6. (Included in full purchase)
  Tax planning in retirement
7. (Included in full purchase)
  Housing decisions at retirement
8. (Included in full purchase)
  The purpose and identity question
9. (Included in full purchase)
  Long-term care planning
10. (Included in full purchase)
  Legacy and estate planning
11. (Included in full purchase)
  Pension and retirement scam awareness
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete
16
The Long Shadow of a Difficult Transition: Recovering Financially Years Later
1. (Included in full purchase)
  Introduction & Learning Objectives
2. (Included in full purchase)
  Acknowledging the starting point
3. (Included in full purchase)
  Debt that has been carried for years
4. (Included in full purchase)
  Formal debt solutions
5. (Included in full purchase)
  Rebuilding a credit file
6. (Included in full purchase)
  The pension shortfall
7. (Included in full purchase)
  Property ownership
8. (Included in full purchase)
  Mental health and financial recovery
9. (Included in full purchase)
  Building a support network
10. (Included in full purchase)
  The recovery timeline
11. (Included in full purchase)
  The case for a small emergency fund
12. (Included in full purchase)
  Protecting yourself from scams
13. (Included in full purchase)
  Personal Reflection
14. (Included in full purchase)
  Frequently Asked Questions
15. (Included in full purchase)
  Additional Help and Resources
16. (Included in full purchase)
  Knowledge Check Quiz
17. (Included in full purchase)
  Module Complete

Financial Empowerment for Military Veterans

Course Curriculum

Understanding Your Military Pension

Benefits, Entitlements, and Financial Support for Veterans

Debt, Financial Difficulty, and Rebuilding After Service

Insurance and Protection: Close The Gap as a Civilian

Mental Health, Identity and Financial Wellbeing After Service

Understanding and Accessing NHS and Veteran Healthcare

Tax, National Insurance and Self Assessment for Veterans

Navigating Civilian Financial Products and Avoiding Pitfalls

Building a Civilian Credit History From Scratch

Planning for a Second Career

Financial Health Audit: Where Do You Actually Stand?

Catching Up on Civilian Pension Saving

Service-Related Conditions and Their Financial Consequences

Building Wealth in Your 40s and 50s as a Veteran

Approaching Retirement as a Veteran

The Long Shadow of a Difficult Transition: Recovering Financially Years Later