Follow the (Wealthy) Leader

But this may provide only basic skills.

What about the real ways of the wealthy? Here's how you can get on board.

• Follow the leader.

  Some might call this "networking," but it's really more precise. Through friends or business acquaintances, hook up with someone who has been really successful. Be tactful, but get the conversation going. Ask what are the two or three things that made them successful -- or how they solved problem XYZ. Most successful people like to talk about what got them there.

• Professional training.

  Many financial training programs are oriented toward becoming a professional in the field, such as a financial adviser, or adding financial adviser capability to practices such as estate law or family counseling.

  There are certificate programs and, more recently, four-year degree programs. Many are taught at local community colleges. The nice thing: As an amateur, you can take as many or as few courses as you'd like.

  The Certified Financial Planning (CFP) introductory survey course gives a good overview along with cues about where to head from there. Most courses are $500-$600. The CFP Board of Standards Education site shows all programs including those in your area.

• Wealth management school.

  Catering to the highest end of the spectrum, those who really need to understand the complex ropes of managing substantial wealth, are new programs such as that offered by the Institute for Private Investors through the prestigious Wharton school, and another by the University of Chicago. These are intense and expensive ($7,000-$9,000 for one week) but you'll get the tools, get to network with others in your situation and likely gain some handy contacts.

These programs, especially CFP and wealth management training, will make you feel more competent and confident as you approach today's complex financial issues.

Having a certificate to hang on your wall or a new group of contacts isn't bad. Having peace of mind is a whole lot better.