The military has repeatedly rebuffed efforts by financial-planning groups to offer pro bono services to military personnel and their families in part because of fear of financial predators. One former Army colonel who is now an adviser suggests focusing on reservists and national guard members, who have the greatest life disruption because of deployment. "The advisers are really trying to help," said Amira Tart, FPA's director of pro bono services. "I'm not military, and that's been an obstacle. They trust their own, and they want people who have been in the military. It's on us to keep reaching out to them."

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