Many companies, like American Express Financial Advisors, offer a complimentary consultation. An initial consultation can outline a plan of action for couples to follow on their own. A lot of companies offer 401Ks so people can design their own plan . . . Some companies will offer free financial advice but try to sell their plans or commodities to complement the plan they propose. Either road you choose to follow, getting started as soon as possible will make it easier in the long run.
Procrastination only breeds guilt and anxiety.
As a kid watching the Wonderful World of Disney, I remember a cartoon with classic-procrastinator Donald Duck strapped at the end of the month, searching around the house for extra money to take out Daisy. As he is frantically searching, Huey, Dewey and Louie are in their room carefully putting their pennies into the classic pink piggy bank. Donald eventually discovers the fattened pig when the boys leave the house. After a series of struggles and some classic Donald fits, he finally breaks the bank and steals the money. Do not hesitate to be the boss and make your money work overtime so you are not the one left hanging when the clock runs out.