Forget the banks.  Your money is safe.  Investors say you will probably feel the bailout baggage in your retirement fund.

 "If you've taken a huge hit on your money at this point now because you weren't proactive, then you probably have to hang in there for a little while," said financial adviser Jon Lindberg

 Lindberg suggests people close to retirement should give the market time to rebound, then move most of their money out of equities and into insured accounts like bonds, CDs or money markets.

 In the meantime, diversify your portfolio.

"People should consider some type of guaranteed income to augment with their portfolio," Lindberg said.  "Some type of annuity or variable annuity which has a guaranteed income feature in it for life that you can't outlive but still gives you the opportunity to take advantage of the up markets."

Here are some tips for moving forward.  First, stay calm.  Lindberg says the market has a tendency to overreact one way or another and will usually balance itself out.

Change your lifestyle and cut out necessary expenses.

Set goals for how you want your money to grow and get rid of the financial clutter.

Finally, reduce your credit card debt and, what you can't afford to pay, try negotiating.

"With times as tough as they are, people are missing out if they don't communicate with their credit card company and try to negotiate some type of payoff, which usually is less than one hundred cents on the dollar," Lindberg said.

 In this economy, companies would rather settle for a portion of what you owe than risk getting nothing from you at all.

You should also take a close look at your emergency fund.  Lindberg suggests everyone have at least six months' living expenses saved in an FDIC insured account.