tableofcontents MOAA’s mission

The Military Officers Association of America (MOAA) is a nonprofit veterans’ as so ciation dedicated to main taining a strong national defense and ensuring our nation keeps its commitments to currently serving, retired, and former members of the uniformed services and their families and survivors. Member ship is open to those who hold or have ever held a warrant or commission in any component of the Army, Marine Corps, Navy, Air Force, Coast Guard, Public Health Ser vice, or NOAA and their surviving spouses.

On the cover: In the early days of World War II, the members of the B-1 Band drew on their musical talent to usher in a new era in a desegregating Navy.

Features

48 4 Tax Law Misperceptions Don’t get in trouble because you listened to a “barracks lawyer.” Review these tax law misperceptions. By Col. Curt Sheldon, USAF (Ret), CFP®

52 Cover Story: Changing Tunes Members of the Navy’s B-1 Band made music and history as they helped desegregate the Navy during World War II. By Don Vaughan

56 A Growing Need The MOAA Military Family Initiative supports military families, no matter their rank or service. By Associate Editor Krysia Gabenski

61 Retirement About-face? The report from the Military Compensation and Retirement Moderniza- tion Commission might recommend for future service entrants signifi - cant retirement changes, including a 401(k)-style plan. But do these plans make sense for the military? By Col. Phil Odom, USAF (Ret); Col. Mike Barron, USA (Ret); and Jamie Naughton, MOAA Government Relations

IMAGES: ABOVE, SEE PAGES 48-49, 52-53, 54, 57, 70; COVER, JASON RAISH FEBRUARY 2015 MILITARY OFFICER 1