If you are looking for a quick and easy way to start investing your money for retirement, I suggest trying AMEX's services. We paid a flat fee, and our advisor Bob Adams, takes care of the rest. We sat down with him, and shared our retirement goals, and he designed a plan for us to get there. He makes his money from commissions on what we choose. As long as you are comfortable staying within the AMEX investment family, I think you will be very happy. We have saved quite a bundle of money over the past few years, and Bob has been available to answer all of our sometimes crazy questions.