Keeping your portfolios in check

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It's not unusual for a working couple to have six or seven different investment portfolios, even if they don't have very much money.

There's his IRA and 401(k), and her IRA and 401(k), and perhaps a couple of Roth IRAs and a college savings account or two and a family emergency fund.

Maybe that makes you feel like a Gates or Buffett, but they have one advantage you don't (besides the money): A stable of financial professionals making sure that all of their moving pieces work together.

Unless you've turned all the family investments over to the same tax-savvy and investment-skilled adviser, you probably have to do some of that coordinating yourself.

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