The free asset allocation calculator below can help you build a diversified and balance mix of investments. The calculator takes into account several variables such as risk tolerance, age, your savings, and your tax rate.

If you are having a difficult time deciding whether or not it makes sense to have a survivor's pension (widow's pension) for your spouse, you can use our free calculator below to help you choose.

It used to be that you could sort of tell when it was time to get professional help in managing your investments. You knew, for example, that in your 30s and making a decent salary and socking away a fair amount of money, you probably did not have enough in assets for it to make sense to have professional help--the costs would just be too high. But at some point, with a mortgage and a kid and maybe another one on the way, you might start paying closer attention to those financial planner advertisements on TV or in the local paper, and even give one a call.

Do you really want to ask "Will I outlive my money in retirement or not?" You can ask that, but what you also need to be asking is "What is the probability that I do not outlive my money in retirement?" For this you need an accurate Monte Carlo Retirement Calculator.

Planning for retirement starts with saving for retirement; you won't be able to retire if you don't have any money. (Relying on Social Security alone won't cut it.)