And when it comes to retirement, 77 percent of those with an advisor contribute, compared with 51 percent of those without. The monthly median contributions for the two groups are $500.

Military families who use financial advisors are also more likely to say they will increase their savings in the months ahead (36 percent vs. 28 percent). They are more likely to believe their financial situation will improve in the next year (62 percent vs. 36 percent), and also to believe in their ability to retire comfortably (62 percent vs. 30 percent).

“Maintaining strong money habits will be critical for our career service members and their families now and in the times ahead,” said Scott Spiker, CEO of Fort Worth, Texas-based First Command, which focuses on providing investment advice to military members.

Spiker added, “For several years, they have experienced the impact of cuts to military personnel costs as part of sequestration and defense downsizing. They are dealing with another year of reduced pay raises and housing allowances and proposals to overhaul Tricare. And they are striving to understand the impact of a new military retirement system, which will cut the traditional pension by 20 percent. Despite these multiple sources of anxiety, military families with a financial advisor by their side continue to maintain confidence in their financial future.”