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Need something more basic than a financial advisor or planner
If you are living near a land-grant university, you might be able to find help from the university's Extension Service.  In many land-grant universities (the land grants were given to universities formed for the purpose of improving "agricultural and mechanical arts"),  the Extension Services have expanded beyond farm-related services to include horticulture, food and nutrition counseling, consumer finance, money management and budgeting advice etc.  See, for example this site.