So I'm still doing my taxes -- my accountant has sentenced me to organize my expenses into categories, can you imagine? And one of the questions in my mind is whether I need to contribute to my retirement plan or not. While I was debating all things financial, I checked in with Richard L. Bellmer, CFP, president of Deerfield Financial Advisors in Indianapolis. Besides his work as a financial planner (you can find out more about his firm at www.deerfieldfa.com), Dick Bellmer is chairman of NAPFA, the National Association of Personal Financial Advisors, a network of fee-only financial planners. Rookie: How do I find a financial planner? Bellmer: Go to www.napfa.org, you can click on your state, and it will tell you all the people who work on a fee-only basis in your area. Rookie: Why do I want someone who works fee-only? Bellmer: Let's say there are two planners you could work with, but they're held to different standards depending on how they're paid: One has a fiduciar...
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