MDGrabhorn provided you with some excellent comments. However, before you pursue this issue further with a fee-only CFP skilled in retirement planning issues, I suggest you get some tips on how to find one from my article "How to Choose a Financial Advisor" available at http://www.fool.com/retirement/retireeport/2001/retireeport010416.htm. It will give you some useful guidelines to follow as you work through your selection.

Regards..Pixy