there are 90 or fewer days before the anticipated retirement or separation date, or in the event a member of a reserve component is being demobilized under circumstances in which (as determined by the Secretary concerned) operational requirements make the 120-day or 90-day requirement under paragraph (2) unfeasible, preseparation counseling under the program shall begin as soon as possible within the remaining period of service. (e) Furnishing on in-Person basis (1) In general Except as provided in paragraph (2), covered counseling, information, and services under the program under this section shall be furnished to a member on an in-person basis. (2) Waiver The Secretary of Defense and the Secretary of Homeland Security, as applicable, may waive the requirement in paragraph (1) with respect to a particular member if such Secretary determines, using a system established by such Secretary for purposes of this paragraph, that the furnishing of covered counseling, information, and services on an online, other electronic, or other basis, rather than on an in-person basis, is necessary to avoid extraordinarily significant impediments to immediate mission needs. In issuing any such waiver, such Secretary shall specify, in writing, the grounds for such waiver. (f) Topics covered by preseparation counseling The preseparation counseling furnished a member under the program under this section shall include the following: (1) Financial planning assistance, including information on budgeting, saving, credit, loans, and taxes. (2) An explanation of the procedures for and advantages of affiliating with the Selected Reserve. (3) Information on programs and benefits related to veteran status, including— (A) a description of health care and other benefits to which the member may be entitled under the laws administered by the Secretary of Veterans Affairs, and information regarding the means by which the member can receive additional counseling regarding the member’s actual entitlement to such benefits and apply for such benefits