The Headquarters, Department of the Army (HQDA) Retirement Services Program provides assistance to soldiers and their families preparing for and transitioning to retirement, families of soldiers who die on active duty, Retired soldiers, surviving spouses, and their families. Through a network of Retirement Services Officers (RSOs) at major Army installations, National Guard State Headquarters, and Army Reserve Readiness Divisions (RDs) and Mission Support Commands (MSCs) worldwide, they: 1) provide counseling to these groups on their rights, benefits and entitlements, 2) provide Survivor Benefit Plan (SBP) counseling and assist with maintaining SBP elections, 3) provide Reserve Component Survivor Benefit Plan (RCSBP) counseling and assist with maintaining RCSBP elections and 4) keep the retiree population informed of law and benefit changes.