I have used USAA's financial planning services before. I was a little dissatisfied with their service as it began with me filling out a bunch of forms and then a month later I received my "plan" in the mail with pie charts and all the standard crap that I already knew. I had very specific questions I wanted answered and I had been waiting for a call from my planner. I was two months into the service by this point.
I called and cancelled the service telling them why. They were very understanding and refunded the two months I had already paid. USAA now offers single session financial planning where you can set up a phone meeting and discuss any topics you like for a flat fee per block of time. This is what I will use in the future to get advice on things I am unsure of or to bounce my current plan off of someone else who might be able to see or think of things I hadn't yet. Of course that may be rare now as I have a classmate, and very good friend, from USNA who is an MBA and CFP now so I typically bounce my ideas off of him.
My recommendation is to skip paying that $1500 at this time. Instead look at
The White Coat Investor. This guy was an HPSP and active duty doc who is now on the civilian side. He posts on SDN, but I forget his handle here. You can actually forget about the "white coat" part as virtually all of his advice is sound for anyone investing. I had previously read several of the books he has mentioned, good and bad ones, and his basics are very good. On the left side of his blog are highlighted posts, but there is also a link at the time for First-Timers.
I actually disagree a bit with the order of his listing there, especially for you (assuming you did high school, college and med school back to back and are in your early 20s). I would read the Default Portfolio, Five Big Money Items You Should Do As A Resident, and the ones on insurance first.
He talks about houses in a lot of places and realize that for every one that thinks buying a bigger house for the tax deduction, there is someone who took a bath on a house.
Understand the basics of investing and retirement planning. You can do that for free with his blog. When you have questions about getting married/having kids and how much you should look to alter your disability/term life insurance/which 529 plan is best for the kids, etc then you might need a financial planner to help.
