JJ Montanaro is a financial planner with USAA and is a Certified Financial Planner professional (CFP®). He earned his bachelor's degree from the U.S. Military Academy. 

Montanaro has two decades of experience as a financial planner and served in the Army for over 20 years on active duty and in the Army Reserve. 

His focus has been to help families realize their goals, and his advice has appeared in outlets including the Wall Street Journal and USA Today. He writes monthly finance columns for Military Spouse Magazine and American Legion Magazine.