Find a Financial Planner – In the event you feel you need some help, it’s imperative that you look for someone who is a certified financial planner (CFP).  Contact the Institute of Financial Planners for a listing of CFPs in your area. – If you decide to find a financial planner, your best option is a fee-only planner who charges a flat fee for their services versus a commission or a percentage of your assets.  This site provides a listing of fee-only planners available in your area. – Another option, if you’re looking for a financial planner that will charge you a flat fee, is This site will connect you with a financial planner who will work with you via email or phone.