Military & Family Readiness Center

The Incirlik Military & Family Readiness Center (M&FRC) is an organization that can help make your life in the Air Force more productive and satisfying. We are here to help everyone from a junior single enlisted member to civilians and retirees. Readiness is the core of our mission.

Our mission is to provide strategic guidance to our leadership, total force members, and their families in a transforming environment. Our consultants partner with leadership and the community to promote the successful adaptation of Airmen and their families to the demands of military life. We assist commanders with the overall health and welfare of their military communities.


Military & Family Life Counselor

Your M&FLC can help with non-medical, short-term, problem-solving counseling. M&FLC services are confidential, meaning that no written records are kept and he/she can meet you on base at a location of your choosing or at the M&FRC. Counseling services are available at no charge and include but are not limited to:

  • Deployment & reintegration
  • Marriage & relationships
  • Parenting & family
  • Communication
  • Stress & anxiety
  • Grief & depression

To speak with your M&FLC, call DSN 676.3926 or cell +

On-Site & Individual Classes

The M&FRC can offer classes for your office or organization. Examples include: Sponsorship, Financial Readiness, Stress/Time Management, Assertiveness. Call M&FRC to set up a time that works for you.


Come meet representatives from important base agencies and representatives from private organizations all in one stop! Sign up through your CSS upon arriving on installation.

Newcomers' Orientation

Every other Thursday In Bldg 833, M&FRC Auditorium starting at 07:30 AM (no class on Federal holidays)
This is mandatory for all AF personnel assigned to 39 ABW. Newcomers, please call your CSS to enroll in the class.

Loan Locker

The Loan Locker has kitchen kits that can be checked out for 30 days until your HHG or UB arrive. They include service for 4, dishes, utensils, pots, pans, glasses and more! We also have an extensive supply of miscellaneous kitchen items as well as coffee pots, irons and ironing boards. Stop by the M&FRC between 07:30 AM – 04:30 PM to check items out.


CSS should assign a sponsor from your gaining squadron. Contact the M&FRC if you have not received a sponsor and we will assist with coordination. We offer Enhanced Sponsorship Training to 39 ABW personnel that have been assigned as a sponsor. Call today to schedule a one on one appointment.

Transition Assistance

This program is designed to provide retiring & separating members the information, skills, and knowledge needed for a successful transition from the military. Attending TGPS (formerly called TAP) is mandatory for separating and retiring service members.

Employment Readiness

We offer a variety of programs and services that can assist those seeking to enhance their job search skills to include:
• Resume Development/Review
• Interview Preparation
• Career Planning
• Federal Employment

Personal & Work Life

We offer a variety of workshops designed to enhance customer knowledge & skills to anticipate and meet challenges throughout the stages of the family life cycle and ease adaptation to the unique demands of military life. Such as 4 Lenses, Time Management, Vision Boards, Dealing with Difficult People

Personal Financial Readiness

The PFM program offers information, education and personal financial counseling. Classes and workshops we offer include:
– Car and Home Buying
– Thrift Savings Plan (TSP)
– Blended Retirement System (BRS)
– Credit Reports and Scores
– Investing
– Money Management
One on one counseling is available to assist with budgeting, debt liquidation, credit management, consumer protection and more. The Personal Financial Management Program offers long-term solutions to financial programs. For a short-term financial crisis, you may be able to get help from the Air Force Aid Society (AFAS). Go to Military OneSource for information about the military’s Blended Retirement System, savings tools, financial planning for deployment, financial planning, and protecting your financial health. Learn more at

TSP Automatic Enrollment Percentage Increase -
New participants will be automatically enrolled in the TSP at 5% of their pay. This change also includes Blended Retirement System (BRS) participants automatically re-enrolled in the TSP on or after January 1, 2021. The increase will allow new participants to get the full matching contributions from their agency or service. If you are currently an active participant and are not contributing at least 5%, then you’re missing out on free money. Increase your percentage today by logging in to your electronic payroll system and upping your contribution amount.

New Lifecycle (L) Funds Available to TSP Participants -
Target dates in five year increments. Ten L funds available: L 2065, L 2060, L 2055, L 2050, L 2045, L 2040, L 2035, L 2030, L 2025, and L Income. We’re adding more L Funds so that the target dates will be separated by only five years instead of ten. Say you plan to retire within a year or two of 2035. Without these additional options, you’d have to choose between the L 2030 Fund and the L 2040 Fund, or maybe split your account between the two. The new L 2035 Fund will allow you to more precisely target the time when you think you’ll need your money.

Free Credit Reports
Identity theft and other fraud is experiencing a massive spike due to criminals taking advantage of people’s fear about COVID-19. It’s always important to know the status of your credit, but now, accessing your credit is more important than normal. is the only source for free credit reports authorized by federal law. They are now offering free weekly online credit reports from all three of the credit reporting agencies through April 2021. There is also good information regarding your credit reports on the site. Don’t forget that M&FRC provides one-on-one credit report review consultations. They also provide “myFICO” classes that help you understand how credit reports and scores are created and why they are important to you and your family’s financial health at Bldg. 833, 2nd floor, 676.6755.

MyFico Free Credit Score and Analysis Tool

The FINRA Investor Education Foundation is pleased to make FICO® credit scores—and the educational information and tools in the FICO Standard product—available free of charge to active duty service members and their spouses. For additional information on this service CLICK HERE or call the M&FRC at 676.6755.

Free Credit Score

Take the Military Saves Pledge and receive the following benefits: Monthly Military Saves E-newsletter with savings advice from national experts Quarterly American Saver newsletter. This year, you can receive a Free Credit Score from myFICO (courtesy of FINRA Investor Education Foundation). For more information please visit

Air Force Aid Society (AFAS)

The Air Force Aid Society mission is to support Airmen and enhance the Air Force by relieving emergency financial distress. As the official charity of the Air Force, AFAS helps Airmen and their families achieve their goals and improves quality of life with proactive programs. To learn more about AFAS or to apply for assistance CLICK HERE

Financial Industry Regulatory Authority (FINRA)

FINRA is dedicated to investor protection and market integrity through effective and efficient regulation of the securities industry; FINRA is not part of the government; it is an independent, not-for-profit organization authorized by Congress to protect America’s investors by making sure the securities industry operates fairly and honestly. FINRA also provides information on how to prepare for investing, money management tools and calculators. Visit for more information.

How Your Credit Score is Calculated

FICO calculates your credit score by analyzing the following: your payment history, amounts owed, length of credit history, new credit and credit mix. Visit for more information.

Home Loans via the Department of Veterans Affairs

VA helps Service members, Veterans, and eligible surviving spouses become homeowners. VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms. Visit for more information.

Investing in the Stock Market

If you want to try your hand at investing in the stock market without losing any money, go to and play The Stock Market Game.

Casualty Assistance

The Casualty Assistance Office is located in the M&FRC. Please call with questions or to set up and appointment.

Virtual Record of Emergency Data (VRED)

Each Active Duty member must have a current vRED on file. This is the sole source of contact information for your Next-of-Kin (NOK) and other persons to notify in case of an injury, death or emergency. All members should update their vRED within 30 days of arriving on station.

Active Duty Medical Reporting

Reports very serious ill/injured (VSI), serious ill/injured (SI) and not serious ill/injured (NSI) to base leadership up to Chief of Staff of the Air Force.

Active Duty Deaths

Reports deaths to base leadership up to the Chief of Staff of the Air Force, facilitates the notification of the NOK, briefs and assists NOK on applying for benefits.

Survivor Benefits Plan (SBP)

SBP is a government program which makes is possible for retiring members to ensure that after their deaths, their eligible survivors receive a portion of their military retired pay in for form of a monthly annuity. Prior to retiring, each member must decide whether to continue SBP coverage into retirement. The retired pay of theose members who elect to participate is reduced by the monthly premiums.

Other Supporting Services

M&FRC can help you with below services also!

Computer & Printing Services

Your Military & Family Readiness Center offers CAC enabled laptops and printer capability, as well as copying & faxing along with free Wi-Fi! Unfortunately we do not allow CDC printing.


Want to save some cash at the Commissary or even get money back? It’s possible with coupons! Come raid the extensive coupon stash at Titan’s Refuge where you are bound to find coupons for the products you use every day and save money in the process. Coupons at the Commissary & AAFES are accepted up to six months past their expiration.

Voting Assistance

Welcome to your Incirlik Voting Assistance Center! We are here to assist you in all of your voting needs and inquiries regarding voting from our overseas location. Just because we are located thousands of miles from our familiar homeland does not mean that your right to vote in Federal, State and local elections goes away. Your Voting Office is co-located with the Military & Family Readiness Center in the 39 ABW HQ, Building 833. The operating hours are Monday – Tuesday and Thursday – Friday from 0730-1630, Wednesday from 0730 – 1430 for walk-ins or appointments. If you would like to contact us via telephone our contact number is: DSN: 676-VOTE (8683), Commercial 322-316-VOTE (8683) or we can be reached anytime via e-mail at Please visit to obtain a Voter Registration and Absentee Ballot Request Federal Postcard Application, the Federal Write-In Ballot or for more information. We also have these forms in stock in the Voting Assistance Center. We look forward to helping you with all of your voting needs and remember, “It’s a Right You Defend!”

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