If you haven't gone to a financial advisor, I highly recommend it. Best decision I made, I happily pay her annual fee because I am guaranteed to make/save more in the long run with her advice each year than without it.
I have been to a few financial advisors and still use one. The problem is I lack faith in all of our current financial systems and the "solid" advice of investing in mutual funds, indexes and property seem to be long-term speculation these days, not investment.
Well my experience was different. I was doing nothing. I was letting paychecks accumulate in my checking account, and just guessing at what percentage I should be contributing to my retirement. Turns out that wasn't the right thing to do, and her advice showed me why.