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"  Because creating a retirement plan can be a daunting task, many choose to consult with professionals. There are a number of services out there that can help you with your financial planning needs, including those associated with retirement. However, it is a good idea to be aware of your options and to understand what you can expect from retirement planning services.   Fees   Whenever you engage professional help for anything, you can expect to pay fees. Retirement planning services are no different. You will have to pay some sort of fee. There are three main types of planners in this regard:   1.Asset managers These folks manage your retirement assets and help your money grow by choosing different investments. They take a percentage of your asset value every year as part of their payment.   2. Product sellers While helping you plan your retirement future, these types of planners also sell financial products. They receive a commission on the items that they sell you.   3. Fee based  You pay a flat hourly rate for help with creating a retirement road map. In this scenario, you are most likely to get a retirement planner that does not have a conflict of interest between what is best for you and whether he or she gets some sort of a kickback.   Advice Most retirement planners will offer you advice. They will review your situation and speak with you about your retirement goals. After understanding your situation and considering where you want to end up, a retirement planner will offer you advice about what steps you need to take now to reach your goals. This can include a saving and spending plan, as well as recommendations for investment products that can help you grow your money.   Referrals   A good retirement planner may know that he or she does not have all of the expertise necessary to provide you with all of the information and services that you need. Retirement planning services should have lists of qualified estate planners, tax attorneys and other specialists who can answer questions about retirement-related financial issues. Some services try to keep all of the necessary people on staff, and your financial planner can refer you to another member of the firm in some cases.   In the end, you need advice and guidance you can trust. Evaluate different retirement planners. Many will offer a free one-hour consultation in which they can sketch out for you the services offered, and what they can provide you with. Visit two or three financial planners to determine which is most likely to meet your needs and provide you with the best service and most helpful advice. "^^<http://www.w3.org/2001/XMLSchema#string>
<http://www.womansday.com/life/work-money/tips/a3814/what-to-expect-from-retirement-planning-services-77387/>