[sammyg2]

Tanks for the info.
over "X" grand a month for a planner ain't gonna fly, I can learn to do it myself for that much. I like the idea of a decent fixed fee for initial set-up and reduced level of support and cost after that.
The basic investing/diversify stuff is not hard as I have tools available to help with all that.

It gets complicated when we have two 401ks, a personal investing account, way too much sitting in a bank saving account (shameful), and three large pension funds that can either be anuitized several ways or can be lump-summed, and some other not-typical stashes.

How not to take a big tax hit, when to move and where, and how to minimize potential downside without giving up all upside is what I need the book-learning for.
A good tax adviser would prolly be more beneficial than a financial planner.

Hay maybe I could retire and go to school to learn me a financial planner job, but that requires doing maths and I'm not that good with 'puters. Bad idea.