To get a picture of where you are now, no need to pay someone for what is a few simple calculations that can be done in five minutes. I call it the realistic retirement calculator at the top of the page or here.
Here are few things you can do to get rolling;
- track your spending, use a credit card for everything one month and you will see what you really are spending and I will be you it's alot more than you think
- automate your savings into your 401k or IRA and choose the lowest cost fund or ETF
- start to think about where you want to retire and contemplate the increase/decrease in costs
- re-evaluate all your insurance needs including long term care