Experiences with Financial Services on base?

Have been stationed at 3 bases and all of the Personal Financial Management advisors have been generally not helpful.

Had them give financial management classes to the junior enlisted and all they did was explain the LES and told them that they needed to spend less than they made, providing no additional planning about retirement or emergencies. When I send individuals for financial management advice they come back with inaccurate information and don’t take into account any individual situations (divorce, PCS moves, debt, bonus, etc).

Basically a check in the box with no meaningful support.