I’d go see a fee only planner that doesn’t have all the hangups of a “broker” discussed above. You can probably do it once every 3-4 years. Initially it will cost you 2K or so.
You can find them here, but hopefully some one on this board will give a personal recommendation (I handle my own stuff). On another note, preferably now, but certainly when you have kids, get a will (preferably a trust) together with all your wishes spelled out…will cost you $1,500 or so to do it with a competent lawyer and assuming your situation isn’t complicated, but the peace of mind is worth every penny.
