NASHVILLE, Tenn. - Military members can be terrific clients. They are often disciplined savers, and mid-career personnel can make well into the six figures. Some planners, however, hesitate.

"There's a misconception that members of the military can't balance their checkbooks and don't need a financial adviser," says Curt Sheldon, a retired Air Force fighter pilot who is now a certified financial planner with his own firm in Alexandria, Virginia.

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