So, I have a financial advisor that I inherited from my parents and my husband has one he obtained through a friend at work. Since we have been married (4yrs) we have yet to combine our finances let alone financial advisors. I did however meet with his last month to see if she would give me different advice than mine. She advised that I change the funds I contribute to for retirement. She told me to switch to a "target retirement fund" for the year closest to when I estimate I will retire. I took her advice and for the first time in my 401b history my balance is dwindling. I lose money every week and so want to pull it out and back into my steady bond fund. I know I just have to ignore the short term loss if I want long term gain, it's just hard to watch it go down.

I am currently 36 years old and have 35K in my work 401b plan. I also inherited money from my parents when they passed away and that is in an IRA (i think) that has about 70k in it. My husband is also saving for retirement and has about 30k in his account as well as being eligible for a pension since he works in a school. I am thinking we are on track with our retirement and was just wondering what everyone thought.

And yes, someday we will combine our finances but for now it is really working for us.