You can find a good retirement planner if your company does not offer a retirement plan or if it is not enough to meet your goals by searching through the offerings of independent retirement companies. If you are not using a big name company with a good reputation such as Prudential, you will need to investigate the background of the company in order to make sure it’s legitimate because there are many scams out there which prey on people and their investments. Beware of retirement planners whose goals are to get you to invest in whichever investment vehicle earns them the most commission.