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A financial planner or financial advisor can help you make wise decisions about how much and where to invest your 401k money. Pick a professional who understands your financial goals and investing strategy so that you both agree on what steps to take. Some good resources for finding a financial advisor include: Charles Schwab and T.Rowe Price.

Survivors also recommend Your Complete Retirement Planning Road Map: A Comprehensive Action Plan for Securing IRAs, 401(k)s, and Other Retirement Plans for Yourself and Your Family by Ed Slott.

It may help to bring a friend or family member with you when discussing investment options with a professional, not only to provide support but to lend an extra ear to understand everything the financial expert has to say, and to ask any questions you may have forgotten about. It's important that you not be afraid to ask any questions, even if think your question is simple, or you are afraid of the answer. Some people find it helpful to write down any questions you may have ahead of time, then write down the answers to those questions as your financial professional walks you through them.  Don't be afraid to ask for clarification on anything.

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