JJ Montanaro

Joseph "JJ" Montanaro is a certified financial planner professional (CFP^®). He is a native of Kansas City, Missouri, and earned his bachelor’s degree from the United States Military Academy, West Point, New York. He also holds a master’s degree in personal financial planning from Kansas State. JJ is a director on the USAA Military Advocacy team.

Montanaro has more than 25 years of experience in the financial services industry. He is a regular contributor to Military.com and also writes monthly personal finance columns for American Legion and Military Spouse magazines. Before entering the financial services industry, he served in the Army for six years on active duty, and in 2009, he retired as a lieutenant colonel in the Army Reserve.

Latest Articles

In tones of light blue and red, a piggy bank in a Santa cap, a calculator, gifts and a tree decoration make up an arrangement.

4 Steps to Maximize Your Holiday Budget

By planning ahead and sticking to these four tactics, you can enjoy the spirit of the holidays without the stress of...

School supplies surround a blue piggy bank.

Back to School Is a Good Time to Teach Kids Financial Readiness

The small, everyday choices you make teach your kids how to think about money, spend wisely, save for the future and talk...

4 Secrets to Retiring Happy from Military.com’s Longtime Financial Columnist JJ Montanaro

A great retirement isn’t just about having enough money. It’s about knowing what you’ll do with your time, who you’ll spend...

Illustration of the word RETIREMENT painted on a long road.

Ramp Up for Retirement Now – Because Later Never Comes

The key to a successful retirement isn’t just saving. Instead, setting up an income plan, planning for contingencies and...

Ominous dark coloring in an illustration of a downward chart suggests a negative trend.

Why September's Typical Stock Slump Shouldn't Scare You

The “September Effect” makes for catchy headlines, but it shouldn’t dictate your financial behavior.

4 Midyear Money Moves for a December to Remember

Whether your big goal is paying off debt, building your emergency fund or just surviving a few days of theme park madness...

A stack of U.S. $100 bills on top of a generic calendar page.

Midyear Financial Tuneup for Military Families: Your Money Needs Regular Care Too

If July had a motto, it could look something like this: "Still time to make this year awesome."

A US $100 bill and the US flag meld in a photo illustration.

Declare Your Financial Independence: A Fourth of July Guide to Freedom

Just like our nation's founders took bold action to secure a better future, we can take a few deliberate steps to build...

In an atrium with model airplanes and paratroopers hanging from a long skylight, military retirees talk to people at tables.

Here's How to Maximize VA Benefits over Your Lifetime

VA benefits can play a critical role in a veteran's financial plan. Here's a three-tiered look at how to make the most of...

Three US $100 bills stick up from the sand on a beach.

Be Financially Smarter by Fall with This Summer Reading List

Whether you're a seasoned investor or just getting started on your financial journey, these books provide valuable insights...

A mix of different U.S. bills are jumbled around a desktop with a brass-colored compass.

Understanding Military Pay: A Key to Building Your Financial Future

Let's take a look at how military pay works, the built-in advantages it offers and how you can use it to pay down debt, save...

house cutout under paper umbrella in sand

Summer Insurance Checkup: Protecting Your Fun (and Your Wallet)

Summer should be about fun, relaxation and making great memories, not financial stress. A little insurance review before the...

A toy moving truck is on top of scattered U.S. $100 bills.

PCS Season Survival Guide: Financial Tips for Military Families on the Move

Here are four steps to help make your PCS smoother, smarter and less financially frustrating.

Military Spouses: The Unsung CFOs of Military Families

Let’s face it: Behind nearly every financially sound military family is a military spouse juggling more spreadsheets (and...

The words "estate planning" appear in black letters sideways on lined notebook papers, on a wood desktop surrounded by office items and coffee.

Wills and More: These Are the Legal Documents Every Military Household Needs

Estate planning isn’t just about protecting your assets; it’s about protecting your family from unnecessary stress and...

Military News

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Most Popular Military News

Rep. Michael Lawler, R-N.Y., left, confronts House Minority Leader Hakeem Jeffries, D-N.Y.

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Pvt. Paul Douglas, age 50, performs a rifle inspection with his drill instructor aboard Marine Corps Recruit Depot S.C., 1942. Douglas, at age 50 was the oldest recruit in the history of Parris Island, and went on to become a purple heart recipient and Chicago senator (DVIDS).

At 50, He Survived Marine Boot Camp — Then Fought at Peleliu and Okinawa

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When The Government Can Afford Everything Except The Essentials

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Troops Will Miss Paychecks Next Week Without Action on the Government Shutdown

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Latest Military Videos

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Danish prime minister says a US takeover of Greenland would mark the end of NATO.

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Investigations and Features

In One of the Marines' Most Iconic Jobs, a Stunning Pattern of Suicide

Marine Corps drill instructors are a national symbol of discipline. But for some, their imposing persona belies a dark...

Army Capt. Jeremy Kuykendall and his wife Kate, cradle their daughter

Unsupervised: Military Child Care Centers Slow to Report Abuse with Little Oversight

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Army News

American and Australian troops dug in together during the Battle of Hamel. Hamel was fought in the early morning and by a happy arrangement on what was their National Day, United States troops attacked, at battalion strength, for the first time in the British line. Their part in the operation not only made the day memorable for them, but created a great bond between the Americans and Australians. Left to right: five unidentified; Private Jamieson, 42nd Battalion; Lance Corporal Bellamy, 42nd Battalion. (Wikimedia Commons)

The Battle of Hamel: Australian Soldiers Taught American Doughboys to Fight Germans in WWI

For the first time in American history, U.S. soldiers would fight under a foreign command. In 93 minutes, they would help win...

The Second Seminole War (1835–42) took place in Florida between the U.S. military and the Seminole people. (Dade Battle by Ken Hughes 1974/Miami History Center)

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Navy News

Hegseth Censures Sen. Kelly After Warning About Following Illegal Orders

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U.S. military aircraft are parked on the tarmac at the airport in Ceiba, Puerto Rico.

How the US Captured Venezuelan Leader Nicolás Maduro

Trump said a few U.S. members of the operation were injured but he believed no one was killed.

Air Force News

Air Force veteran Dominic Marino was murdered in the fall of 2018. Police are still searching for leads in his case. (Photo from obituary)

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President Donald Trump talks to the media.

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Space Force News

President Donald Trump holds top a signed executive order as Defense Secretary Pete Hegseth watches in the Oval Office of the White House, Friday, Sept. 5, 2025, in Washington. (AP Photo/Alex Brandon)

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Marine Corps News

GySgt Cord Burgan conducting CBRN training in Okinawa, Japan, in 2022. Burgan was one of the nine appointments designated to switch from Master Sergeant to First Sergeant in January 2026 (U.S. Marine Corps photo by Lance Corporal Weston Brown)

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The Green Jackers attend a hearing at the Suffolk County Veterans Treatment Court (Alexandra Imandt/New York Unified Court System)(

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Coast Guard News

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