Financial planning is something most of us know we should do—but don’t know where to start.

Between 401(k)s, 403(b)s, Roth IRAs, annuities, pensions, Social Security distributions, and required minimum distributions (RMDs), the options—and rules—can feel overwhelming. Then there’s deciding how to balance stocks, bonds, CDs, mutual funds, index funds, and even permanent life insurance, not to mention understanding the impact of taxes, sequence of returns, and which accounts to pull from (and when). Most online advice is either too broad or too complex, and while friends and family might offer input, their situations likely don’t match yours. So what do you do when you’re ready to make smart, confident decisions about your money—but need someone who can help you see the full picture and guide you through it?