We earn $7K a month, have $798K in retirement and will get pensions. But we want to help our child buy a house, and my wife wants to retire at 55. Do we need professional help?

How to find the right financial adviser for you Getty Images/iStockphoto Question: As teachers, my wife and I bring home $7,000 a month combined.  We save 20% of our income in pre-tax 403(b) contribut...