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Soldiers should be on guard financially... is the key thing that does make it critical to plan," said Joseph Montanaro, a certified financial planner at USAA Financial Planning Services and a lieutenant colonel in the Army Reserve. "In the military, we say, 'Let's get our house in order ... Financial planning challenge looms large for those in military... is the key thing that does make it critical to plan," said Joseph Montanaro, a certified financial planner at USAA Financial Planning Services and a lieutenant colonel in the Army Reserve. ``In the military, we say, `Let's get our house in order ... Be sure financial plan gets spit and polish... is the key thing that does make it critical to plan," said Joseph Montanaro, a certified financial planner at USAA Financial Planning Services and a lieutenant colonel in the Army Reserve. "In the military, we say, 'Let's get our house in order ... 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