Got money questions? Answers are coming your way.

When is it best to convert to a Roth IRA? How much does an average American need to save to retire in 20 years? When should you pay down debt versus building up emergency reserves or investing? Stocks, options, bonds -- what's the right mix for someone heading into retirement?

Are you making the right money decisions?
From 1 p.m. to 4 p.m. ET today, Sheryl Garrett, founder of The Garrett Planning Network, will answer your financial planning questions -- in real time. (Just leave your questions in the comments box below.)

Sheryl started the Garrett Planning Network in 2000 to offer an alternative to the conflict-riddled, commission-based field of financial advice. Her mission: to bring trustworthy financial advice to the masses. She created a network of like-minded financial planners and advisors -- professionals whose independence enabled them to uphold their fiduciary duties and remove bias from their recommendations by working on a fee-only basis.

Most unique, however, is the model of pay-as-you-go, as-needed financial planning advice on the customer's terms. It gives customers the option of seeing a financial planning pro once, periodically, or on an ongoing basis. There are no hidden fees, income or account minimums, or long-term contract requirements, and no work on commission.

Today, the network has grown to hundreds of fee-only financial planners and advisors. Advisors who meet Garrett's requirements for membership (she and her staff personally vet each advisor in the network) pay an annual licensing fee and are wired together via Garrett's private intranet, giving each one access to the others' areas of expertise to offer community-driven advice. Sound familiar, Fools?

At your disposal
Dubbed "The All-American Planner," Sheryl constantly advocates on behalf of the consumer. She has testified before the House Subcommittee on Financial Services regarding predatory lending regulation, financial literacy, and Social Security reform. And for four straight years, Sheryl was recognized by Investment Advisor magazine as "One of the Top 25 Most Influential People in Financial Planning."

Here's your chance to ask Sheryl about Roth conversions, saving for retirement, annuities, or any other financial planning questions you have. (Again, just post your question in the comments box below.)

But it's not just Sheryl mulling your toughest money conundrums. You'll also get the wisdom of her network of advisors. During the live chat, she will be tapping into the Garrett Planning Network's private community to assist in providing the most valuable and thoughtful responses to as many questions as can be answered in the allotted time.

Here are a few ground rules to guide the discussion:

  • Sheryl is not permitted to provide personalized financial planning or investment advice, so those questions are off limits. (If you want advice tailored to your personal situation, then you should consult a professional, privately.)
  • The Fool editorial staff will moderate the discussion to make sure it stays on track.
  • Sheryl may own stocks or mutual funds that are discussed during the course of today's live chat. Sheryl will disclose during the discussion if she owns any particular stocks or funds she mentions.

Post your questions in the comments box below. Sheryl (screen name: SherylGarrett) will be responding in the comments section from 1 p.m. to 4 p.m. ET, so check back often!

Want to make it personal?
For more specific advice -- anything from a second opinion on a specific money conundrum to a full-blown financial plan -- we've lined up a limited-time special offer for Motley Fools: A complimentary "Get Acquainted" meeting (over the phone or in person) and a 10% discount for new clients. Locate a participating advisor in your area and look for The Motley Fool icon. The Motley Fool has a disclosure policy.