| Your best bet is to find a CFP (not just any financial advisor, CFPs are licensed and regulated to do estate planning and comprehensive financial advising) in your area who works on an hourly basis. Until I worked for an independent CFP last year I had no idea how truly comprehensive estate planning and financial advising worked. I was amazed at how much better it is for people to receive advice that is truly customized for their individual situations, compared to the stock software-generated financial advice that comes from stockbrokers, Am Express, etc. Everyone is different, and has different goals along with different risk tolerances. There is no "one size fits all" retirement. For instance, I have a high risk tolerance since we prefer to take the long-term view of our portfolio. Especially with early retirement, we will need to plan for a 30-40 yr drawdown: will the money last that long? Without a good percentage of equities in the mix, probably not. I also have a sizable portion invested in overseas funds, not the emerging markets or frothy speculative stocks, but solid global performers who have done well for us the last two years. Any 401k is limited to the funds it invests in. It won't do anybody any good to suggest anything when we have no idea what other funds your employer offers. The best general advice is to keep your portfolio diversified between sectors, rebalance once a year or even once every two years, keep contributing as much as you can, and don't worry about market hiccups. Good luck! | 
