I highly concur and recommend a fee only Financial Advisor as Bruce noted in his earlier reply.

I think the Fool has a deal going with Garrett Planning Network for 10% discount for Stock Advisor members.

http://www.garrettplanningnetwork.com/

For one near you:

http://www.garrettplanningnetwork.com/map.html

Expect to pay $4-5K for 3-4 one hour sessions. The discount will pay for your SA subscription, or put money in your pocket.

Remember these fee only advisors are NOT getting any commission from anyone to recommend one stock/MF/ETF over another. They're going to recommend what they, as financial advisors/CPA/CFA, etc, think is best for your situation, age, etc. It is in their own best interest to recommend what is most likely to make you money... or in a downturn to minimize your losses, so you'll return as a repeat customer.

Good Luck!