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[quote=Anonymous]Until recently, our financial choices were not that complicated.  We were getting by okay, but after paying our mortgage and daycare, were just saving some in our 401Ks (but not maxing out), had a small emergency fund.  No college savings for our kids or other investments.

Our financial picture has changed.  Due to promotions and a job change, we are now earning about 2X what we we earning about 5 years ago.  We are now maxing out our 401Ks, recently paid off a HELOC, but other than that, haven't done anything investment-wise. We have no budget.

Our stats:

HHI 400K
Age 42/43
Kids age 9 & 6
401Ks (combined)  about $300K
Roughly 20% equity in our $560K house
About $25K cash savings
No debt other than mortgage

I want to start saving for kids' college; make sure we have enough (and the right kinds of) insurance; are doing things in a tax-advantaged way (considering that I foresee our Fed & Md taxes rising in coming years).  For a while now, I've felt like I'm perfectly capable of educating myself on this and then following through - except that it just never gets done.  I'm thinking a financial planner might help us set some goals and a plan.  I think we are capable of following through on it.

Advice?  Any recs for this kind of planner/advisor?

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