Aside from the actual counseling, you will need to take take the following steps: 1. 2. 3. Determine which of the following counseling approaches  is  appropriate: a.  DIRECTIVE.  A  directive  approach  offers information  and  referral  resources  to  a counselee  who  has  to  cope  with  some external situation, such as a legal or budget problem. b.  NONDIRECTIVE.  A  nondirective  approach uses  questioning  and  feedback  techniques  to help  a  counselee  find  his  or  her  own solutions  to  personal  difficulties  such  as alcohol  abuse  or  poor  performance. Record  the  counseling  session. Follow-up,  make  sure  the  problem  is  being resolved. FINANCIAL  COUNSELING The Navy lifestyle can create special and unique financial concerns as a result of the following situations: · Frequent moves · Family  separations · Deployments · Fluctuations  in  pay Financial problems are a leading cause of personnel stress and family dysfunction in all branches of the military. Service members who don’t pay their just debts are viewed by their supervisors as acting  in an irresponsible manner. That is particularly true when their bad debts become a subject of official correspondence or when preoccupation  with  financial  difficulties  results  in decreased  job  productivity.  Financial  problems  can  have detrimental effects on a person’s Navy career that result in  the  following: Disciplinary  action Loss  of  security  clearance Lower evaluation marks Lack  of  promotions Denial of special assignments · Administrative  or  dishonorable  discharge The Personal Financial Management Education, Training,  and  Counseling  Program  is  outlined  in OPNAVINST  1740.5.  This  program  emphasizes personal  financial  responsibility  and  accountability  by providing  basic  principles  and  practices  of  sound  money management, counseling tools, and referral services. The provisions of this instruction apply to all active-duty and  Reserve  personnel.  Each  Regular  and  Reserve command  having  25  or  more  active-duty  enlisted personnel  will  have  a  trained  command  financial specialist (CFS). The CFS will coordinate the program and assist in providing financial information, training, and  counseling  to  command  members.  Commands having less than 25 active-duty enlisted personnel are encouraged to have a trained CFS. All commands should conduct  personal  financial  management  (PFM)  training and  provide  counseling. PERFORMANCE AND PROFESSIONAL COUNSELING You  should  counsel  your  subordinates  or  peers  on how well they do their jobs at two specific times. First, counsel them when their performance is above what is expected. Second, counsel them when it is below what is expected. Counseling demonstrates to your people that you care about their welfare and the quality of their work. When done properly counseling will improve morale.  Periodic  counseling  of  your  subordinates  will help  you  spot  potential  problems  before  they  develop into a situation that presents uncertainty, perplexity, or difficulty. Your subordinates and peers may be hesitant about asking for your advice on such personal matters as marital  or  financial  problems.  Make  sure  your  people are  aware  of  the  helping  resources  available.  Provide information  on  various  helping  resources  through division training sessions, Plan of the Day notes, and at quarters. Let them know that you will help them find the appropriate  helping  resources. Navy  personnel  and  their  dependents  can  find helping  resources  through  the  central  offices  that coordinate Navywide assistance activities as well as through  local  offices.  As  a  good  supervisor,  encourage your people to use the helping resources at the lowest level possible to solve their problems. The following is a list of helping resources provided by the Navy: 3-12