Trying to determine what investments to make and what retirement accounts you need all by yourself can be complicated if you are not familiar with investments and retirement accounts.  

I recommend seeking the help and support of a professional. A financial advisor or a financial planner is an individual who can assist you with your investments, and help you understand the pros and cons of your retirement plans.  

How do you secure a reputable financial advisor? Go to www.dfree.com/gethelp to request to be contacted by a financial advisor. You can also ask your friends, co-workers, family and church members for recommendations.  

You must know what type of service you want from the advisor. Are you looking for someone to manage your financial portfolio or do you need someone to answer questions you may have from time to time?  

This is not just for your individual financial needs. For better or worse, the diversity of complex options for how to manage your finances has made it imperative for conscientious business owners to consult financial advisors for critical financial decisions.  

For additional information about how to get professional financial advice, you can pick up books from Dr. Soaries for entrepreneurs and seasoned citizens.