A lot of baby boomers are trying to figure out how to spend their money now that they are settling into retirement. It can be frustrating, but it’s also a good problem to have. Some folks have used low cost, self-service companies for years, and now they don’t know what to do next. In the next few years, there will be half a trillion dollars moving from the working world into retirement. No-commission houses are now trying to figure out how to serve people who’ve always done self serve investing. Well, Vanguard is opening a limited-service and a full-service window. They’ll come up with a plan for you, depending on how much help you want. Fidelity is doing something similar. The company has a program that analyzes every single account you have on a continual basis. The analysis tells you how much you have to spend and from which accounts you should pull it. These programs are designed to keep people loyal to them and bring new folks in. In addition, eTrade has come out with a product called “Risk analyzer.” It’s allows people to meet their goals and possibly quit working early to retire.