It's very simple: Invest regularly by the calendar in equal dollar amounts in a broadly-diversified, cheap ETF such as VT, reinvest dividends automatically when paid and walk away. Never sell. Let the "miracle" of compounding work for you. Never use a broker. Very few people should ever need a "financial advisor".
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http://www.pbs.org/wgbh/frontline/film/retirement-gamble/
Thank you!