No I would never consider using a financial planner even using the NAPFA certification. Their first goal is selling regardless of the certification level. I have worked in Finance and Accounting for 40 years and I have made a point of being "money savvy" by reading and listening to podcasts. That being said not everyone feels comfortable with taking on this role. Some people would rather use an advisor.
The other point is if you use an advisor to try to find a fee based planner rather than one who charges based on total assets invested.
Do you and your husband have a budget? That is always a great starting point because it lets you know how much you need to cover monthly expenses. You may need to add in line items for taxes and medical insurance once you retire. Once you see how much money you need you can compare that against inflows from social security, pensions and investment draws.
Good Luck. I am still waiting to see if I can retire at the end of the year or early next year. I am concerned with the value of my investment portfolio and watching the market to see if it tanks or not.
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