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Old 02-17-2012, 09:49 AM
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BostonCelt BostonCelt is offline
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It kinda depends on what you mean by "retirement planning". That can be a pretty broad brush. That you've already got IRAs and 401ks suggests you (or someone) has already done SOME planning...

I totally agree with the DIY approach unless you've got assets (not including real estate) up over $1 million or so. Unless you've got the big bucks a really good financial advisor (NOT Suze Orman) probably won't have time for you anyway, so you might as well pay yourself.

Estate planning, that's different. I'd take any of those "free" workshops (they usually come with a lunch/dinner voucher or two) with a large grain of salt. Just make sure you leave your checkbook at home. NO ANNUITIES! A good estate planning attorney would be better.
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