You made me smile. You obviously have been reading my stuff, and pre-empted my standard answers. Those two websites are great. Have you gone through the CampaignforInvestors.org site thoroughly? I've always wondered if people would actually do that, take the time to interview planners, and then listen to their advice. So yes, that's where to start. BUT, I have a funny feeling that you (not everyone, but you) could be your own best advisor. That is, you could be the "general contractor" and have several different advisors, each covering a different territory. That's what I have always done. Every once in a while I get several of them together for dinner -- amazing conversation. It's nice that they all know each other -- and will be able to work together in the future if necessary! So here are the advisors you need. 1. Estate planning attorney. It starts there. You must have a will AND revocable living trust if you have children. And, they should probably create an irrevocable life insurance trust to own yhour life insurance outside your estate. 2. Life insurance agent. It could be as simple as going to a place like Accuquote.com (Byron Udell) and figuring out "how much" you need -- and how long you need it for. Then you can figure out what type and the cost. Of course, it will be purchased in the name of your life insurance trust. 3. College for kids. There is no better place than Fidelity or Vanguard for one of their 529 college savings plans -- where all the money grow tax0free for college. No commissions -- ask your Fidelity rep to open one account, which can be shared by your kids. How much? A lot! Ask grandparents to contribute1on birthdays, holidays. You'll never have "too much"!! 4. Your own retirement. Save in your 40l(k) and don't get scared out when the next crash comes. Keep contributing. And/or open an IRA at Fidelity. Use the S&P 500 index fund and put in the max. 5. Do all your investing inside a tax-sheltered plan -- until you get your plans maxed out. 6. Make sure you have cash in a money market fund for emergencies -- chicken money. With three kids, that should be at least $10,000 -- even if it isn't earning any interest these days. At least with that money you won't be forced to sell your retirement or college investments because of an emergency. And that's all there is to it!!!