Normally, the ranking is very high.
It's usually warrant officers who are in charge and it's usually corporals coming through. The answer to every question is “yes, sir” or “no, sir” when you're talking to a warrant officer. If you're talking about mortgages or family finances, you don't ever tell the warrant officer any of that.
A combination approach would be the best because you want someone who was there. Just like in the OSI, operational stress injury, rehab that they do through OSISS, it's colleagues; it's people who are trained as peer supporters.
The same approach would work. However, you need civilian people at the same time, because uniformed individuals are much more comfortable when there's no rank involved.