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You really want professional help. Two sources for referrals are the National Assn. of Personal Financial Advisors (www.napfa.org or by phone toll-free at [888] FEE-ONLY) and the Garrett Planning Network, http://www.garrettplanningnetwork.comÂ ).

If your portfolio truly is overweighted with growth funds, the planner â€” perhaps in consultation with a tax pro â€” might have you gradually sell off some of those investments so you can diversify into bonds, cash, value funds and international investments.

The good news is that the top federal capital gains rate, 15%, is low, so you should still have plenty of money to reinvest.