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How to find a good third-party, 401k management/advice service?
Another option to a human advisor is FutureAdvisor, a web service that (if it supports your 401k plan) gives personalized algorithmic advice on what you should hold in your 401(k) and other retirement accounts.  If it doesn't support your 401(k) plan just yet you can sign up to be emailed when your plan is added.  [Disclosure: I work here, but I believe in the product and it's designed to solve this exact problem so I'm mentioning it here]  Note from JoeTaxpayer - bolu's disclosure is much appreciated. The fee is $39/yr, with a free trial. Consider that a commissions based advisor won't even take on a $10K level account, and at $100K, you'd be hard pressed to gain by more than his 1% fee. So while I've not dug deeper into this site, a rules-based methodology is likely to be worth the cost if over time it gains you even a fraction of a percent compared to what you'd have done blindly.