EDUARDO, Veterans are scam targets and unfortunately there is not a good way for you or I to stop the scams. But what we can do is to coach the veteran on how to safeguard their personal information so that they will not have their identify stolen. I only started using a financial planner toward the end of my 28 year career and wish I had taken that leap much earlier. How would you advise a transitioning service member to proceed with their finances? What specific guidelines would you tell a veteran to do so they do not become another statistic of veterans being scammed? Garland Williams, Ph.D.