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When retirement planning becomes complicated than you originally thought, it's important to get help.
Being prideful and going it alone leads to irrational decisions. A professional such as a Certified Financial Planner can help with your individual retirement plan.
"Someone not doing this full time will be less likely to spot trouble," says Larry Luxenberg, managing partner and chief investment officer of Lexington Avenue Capital Management. Examples of trouble spots are asset allocation and portfolio diversification.
"When an amateur gets these wrong," Luxenberg says, "it could spell the difference between a comfortable retirement and a much delayed one — or worse."
So swallow your pride when it comes to building a long-term portfolio, and get help if you know deep inside that you need it.