I'm worried about having enough for college and retirement - who can help me?

The good news is that there are several online calculators you can use to figure out approximately how much money you'll need to put your kids through school or fund your retirement. Once you've gotten an approximate idea of how much you'll need you'll be well prepared to work with a financial advisor to determine how much money you have saved and the best investment options to help you accumulate the money you'll need. You can use a financial advisor or even an investment representative from your local bank to open up a 529 account, UGMA or UTMA account for your child's college bill or to open up an IRA or Keogh account for your retirement needs. A broker can provide you with further investment options such as investing in mutual funds or individual stocks or bonds to accumulate money for college and retirement needs.

Tomorrow's Money: College Planner

www.finaid.org

www.collegesavings.com

www.collegeboard.com

www.collegesavings101.com

Calculator: How much aid can you expect?

http://personal.fidelity.com/planning/college/college_frame.shtml.cvsr

For help in determining your future retirement income needs, check out the following sites:

Tomorrow's Money: Retirement Calculator

http://personal.fidelity.com/retirement/retirement_frame.shtml.cvsr

www.principal.com/calculators/retire.htm

www.ssa.gov/planners/calculators.htm