need help planning retirement and investments

The very first thing you have to do is figure out how much money you need. There are lots of complicated ways to do that (and they all amount to guesses) but you can get a good overview of what to do at this web site:

http://www.freethedrones.com/blog/2006/08/07/how-much-money-do-i-need-to-retire/

What you do depends on your age. If you’re young, then you can start small and build up over time – you’re in a much better position that way, because your money will work for you. If you’re older (50’s and up) you will have a harder job to do. If that’s the case, go here and get advice on a “last minute retirement” that you can do even at an older age:

http://www.freethedrones.com/blog/2006/09/02/how-to-do-a-last-minute-retirement/

It’s not ideal, but you’ve got to do what will work for you.