You might need some professional advice

http://www.nytimes.com/2008/12/23/your-money/financial-planners/primerplanners.html?_r=0

Read the information in the above link!

Let's talk about how to pick and use Financial Planners.  It does not matter how smart you are or how poor you are. Everyone needs someone to talk to and someone to pass financial plans thru. I manage tens of thousands of dollars and I use my Board of Bankers as a sounding board.

If you have a job and the company gives you funds in your 401K, it is best that you talk to a Financial Planner so that they can direct you in saving for retirement.  Take advantage of them if the service is free or not.  Remember, you don't have to do what they say. The financial choices is still up to you.

If I would have taken advantage of them in my 30s or 40s. It could have saved me $30,000 in my 60's. Don't be a stupid Darnell Williams. Act now while you can...

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This is for the people who want to make money but is afraid to do some of the things that I told you to do in my 

"Building Your Bond Portfolio with No Money Down!" series.

http://brokermakesyoubroker.blogspot.com/2015/05/part-10-building-your-bond-portfolio.html

If you want to take that class, 

"Building Your Bond Portfolio with No Money Down!",

click on the link above. At Lesson 10, click the links back to lesson 2 and start learning how to make money with no money down.

Before you start saying that I am talking about "Pie in the Sky," just know that I have been doing this for decades. I told my readers to create a portfolio in December 2014 when I created one of my many bond portfolios. 

My December 2014 Portfolio has increased 3.09% since I started. My "pie" taste pretty good!