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The article focuses on maximizing retirement benifits through proper retirement planning. Topics discussed include selection of financial adviser for maximizing the same; services offered by robo advicers, brokers, and registered investment advicers; and fees charged by financial planners in return of their investments.

The article offers advice for financial planning to help individuals reach their personal financial goals into retirement. Topics include regularly reviewing an investment portfolio especially following major life events, spreading out assets among investments and diversifying within asset classes, early investment in a 401(k) account, and making a budget that includes an emergency fund. It also discusses various options for getting assistance in making financial decisions and mentions potential charges by financial advisers that one may anticipate. INSETS: How to Get Started;When to Call In a Pro;Where to Get Help.