financial advisers are in every city
but do they know more than you?
if you are afraid of investing in things you do not understand then maybe cd's are what is right for you
you will not gain enough to offset inflation but you will not lose your principle
many people think the stock market is overvalued and ready to go down
but with the federal reserve manipulation who knows
your age makes a difference too-if you are young you can be more agressive but if you are close to retiring you cant wait 15 years to regain a big loss
the gold and silver people may have a point but not all of it-be diverse
and only have gold silver where you keep it yourself–not stored in new york or "paper" gold futures etc