; and (ii) if a spouse of a member is unable to attend such a class in person— (I) training is available to the spouse through an online program managed by the Department of Defense; and (II) the member is informed during the in-person training of the member under subparagraph (B)(i) with respect to how the member's spouse can access the training; and (D) ensure that such training, and all documents and materials provided in relation to such training, are presented or written in manner that the Secretary determines can be understood by the average enlisted member. . (b) Provision of retirement information Such section is further amended— (1) by redesignating subsections (d) and (e) as subsections (e) and (g), respectively; and (2) by inserting after subsection (c) the following new subsection (d): (d) Provision of retirement information In each training under subsection (a) and in each meeting to provide counseling under subsection (b), a member of the Armed Forces shall be provided with— (1) all forms relating to retirement that are relevant to the member, including with respect to the Thrift Savings Plan; (2) information with respect to how to find additional information; and (3) contact information for counselors provided through the Personal Financial Counselor program, the Personal Financial Management program, or online programs managed by the Department of Defense. . (c) Report on effectiveness of financial services counseling (1) In general Not later than 3 years after the date of the enactment of this Act, the Secretary of Defense shall submit to the congressional defense committees a report on financial literacy training and financial services counseling provided under section 992 of title 10, United States Code, as amended by this section, that assesses— (A) the effectiveness of such training and counseling, which shall be determined using actual localized data similar to the Unit Risk Inventory Survey of the Army