For a lot of people, they're just trying to figure out where to put their retirement savings? That's what they mean when they ask this question. And basically the way you do that is you look at your employer provided plans and everything else goes intaxable. We have a list of recommended planners on the web site under the recommended tab. If you need a little bit of help with that, take our fire your financial adviser. But however you do it, you need to sort that out.

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