It’s that time of year again.

You and your spouse are sitting at the kitchen table poring over your statements, preparing for tax time and wondering how to invest this year’s RRSP contributions. The two of you might have half a dozen or more separate accounts, some registered, some taxable.

You sit back and reflect. You’ve been managing on your own, but demands on your time are growing. As your assets rise in value, so, too, does the burden of responsibility. Perhaps it’s time to seek professional help, but where?

Look again at those statements. Your savings are growing. You have nearly $600,000, including a locked-in retirement account from a previous employer. Your spouse has more than $400,000. Together – guess what – you’re millionaires!

Maybe, just maybe, you’re ready for… [Read more from the original post at The Globe and Mail.]