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Retiring early (55) and am wondering if I should get a certified planner. This might be a dumb question, but does a planner save you money in the long run, if you are not at all familiar with investing? Or, is it better to go through an agency like Scwabb or Fidelity and let them advise you and review your investment every six months?

I RE'ed last year at the age of 51. I didn't know anything about the market or how to handle my money. When I started asking around to find out what I needed to know about investing, I found that very few people were willing to work with me. Most of the companies just want you to save money and never withdraw it. I finally found a "local" Investment Representative, who listened to what I wanted and was willing to work with me.
I found that I did not need the certified planner, but everyone's case is different. The main thing is to find someone who you trust, and is willing to work with you.
Now that I am retired, I have the time to study and learn the things I need to know about investing. In my case, my Investment Representative is doing all the right things for me. For me, it is important to have access to Him and not deal over the phone with someone I don't know. Good Luck with your retirement. Retired51
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