Need a guru for your 401(k)?

One day soon your company may let you turn your
account over to a professional adviser. Should you?

Anyone who has ever felt overwhelmed or confused by the proliferation of 401(k) fund choices -- and who hasn't? -- is going to love the latest addition to the retirement plan menu: advice.

In addition to providing booklets, Web sites and software to help you manage your money, employers are increasingly offering the simplest option of all, which is to let someone else do it. Today about 22 percent of 401(k)s and other defined-contribution plans make investment managers available, up from 14 percent two years ago. Within five years, industry experts predict, most will.

Professional help, of course, comes at a cost. So before you opt in, consider these five key questions (click on link)