Yes, You Can Still Retire

You survived the greatest stock-market meltdown in 80 years. Now it's time to assess the damage, pick up the pieces and put your plan back on track. Kiplinger's is offering you two golden opportunities to get a free financial checkup. For the ninth time, we are joining with the National Association of Personal Financial Advisors (NAPFA) in sponsoring Kiplinger's Jump-Start Your Retirement Plan Days. From 9 a.m. to 6 p.m. eastern time on Friday, January 22, and Tuesday, January 26, NAPFA members across the U.S. will be standing by to answer your questions.

Normally, these fee-only planners, who are well versed in investments, taxes, insurance, estate planning, and saving for college and retirement, charge clients $150 to $300 an hour. But on Jump-Start Days, you don't pay a cent. Just dial 888-919-2345 and a NAPFA adviser will respond to your question. Or you can participate in an online discussion with a NAPFA adviser at kiplinger.com/links/jumpstart during the same days and hours.

To make the most of your financial checkup, make sure you have on hand documents relevant to your question, such as your 401(k) statement with your menu of investment options. If your question is too complex to be answered on the spot, you may be directed to NAPFA's Web site, www.napfa.org, where you can look for a planner in your area.

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Thousands of Kiplinger's readers received personalized advice during last year's Jump-Start Days. "Month after month, we offer our readers solid advice on how to manage and invest their money," says editor Janet Bodnar. "We are delighted to be able to go the extra mile by providing one-on-one financial advice through our partners at NAPFA during our annual Jump-Start Your Retirement Plan Days."

Our retirement hotline is a public service that is offered to all, not just Kiplinger's subscribers. "Volunteer advisers from across the country are prepared to help as many people as possible during these challenging times," says NAPFA chief executive officer Ellen Turf.