I finished revamping my mom's retirement plan. She had AMEX and American Funds mutual funds, which have high fees for what they return. The only slogwork lay in determining whether it's pension-smarter to take $9k/year forver now, or $12k/year forever, but starting in 5 years (it depends on what you think you're after-tax rate of return will be). I advised her to take the $9k/year now, as she will be able to invest it all and we can beat 8% per year over the next 5 years.

Apparently, hypnosis is doable. Might be fun to try it this weekend.