To set up a new financial plan, it is always highly recommended to consult with a professional financial planner, elder law attorney, or estate planning lawyer. For someone without extensive knowledge of investing, tax laws and financial laws, it is far too common to set up a plan incorrectly and wind up losing much of your investment at the time of withdrawal. Additionally, these professional are far more likely to bring a much larger return at a reduced level of risk, saving you money in the long run.