First things first, congratulations for getting started.
Secondly, if you do indeed speak with a financial planner, you're looking for a *fee-only* financial planner....not "fee-based", or anything other than fee-only. You find one here...
http://www.napfa.org/ What this means is that you are paying them a few hundred dollars or more to sit down with you and assess your financial situation and hopefully lay out a game plan with you.
In all honesty though, I think that there's plenty of reading and work that you can do on your own before speaking to a CFP.
Here's the first rule of thumb in retirement savings as for where the money goes. First, if your DH's employer offers a 401K plan with a "match" you want to contribute into that 401K up to the match. That's free money that you don't want to leave on the table. After the match, and assuming you make less than a 164K combined income, you would want to max out two Roth 401Ks. It doesn't matter that you don't have an earned income, your husband can open up a spousal Roth for you. After that you would go back to the 401K and max that out. Being that you're looking to invest roughly $4,000 a year, this isn't an issue right now.
As for where to put the money inside those accounts, well, there are some really easy ways to save for retirement these days based on your age. They are called Target Retirement Accounts....and are based on the year during which you think you'll retire. DH and I are relatively savvy with respect to our finances, but don't want to spend a ton of time working on asset allocation (where the money is invested). These funds base the investments on your age. The money is invested more aggressively early on (more in stock mutual funds) and more conservatively as you begin to reach your retirement date (so more in bonds and cash) etc. Your husband's 401K (if he has one) may have this type of option.
I will tell you that my husband's employer has T. Rowe Price and our 2030 fund has done quite nicely. But not all of these funds are as good as others, so you need to see what the returns look like.
To start, you need to do some really basic planning on how much you'll need in your nest egg when your retire. A good site to get a ballpark idea is
www.choosetosave.org/ballpark/. Typically, you want to shoot for about 80% of your combined income as your goal for retirement income. When you fill in the worksheet, you'll see that you may include social security (and disability income in your case) as a part of the retirement income. I would not use the "SSI estimator" though, as I don't believe we'll see that amount. A ballpark guess on my behalf is that we'll see somewhere between 60-70% of what we've been told we'll get. My DH and I don't factor Social Security income into our retirement planning at all. Anything we do get we'll consider "gravy", and will likely be used to off-set health care insurance supplemental insurance.
So, the good news....is that you've gotten started. But the bad news is that based on your childrens' ages, I'm guessing that you're getting a late start. I know you can't beat yourself up for what's in the past, however, you really need to make retirement savings a *huge* priority for you from this point forward. You're also probably young enough that Social Security is simply not going to be there in the form that it is today. Neither is medicare. When you fill in the worksheet on that choose to save site, you'll understand what I mean. But you can't let that freak you out. Information is vital to changing your financial future. And unless you have a goal to shoot for, you won't know where to go. And even if that goal seems insurmountable, I think it will serve as the wake-up call that many Americans are getting these days.
Many financial sites/experts say that 15% of your gross income is what you need to be investing for retirement. I would say that's a fair number if you've started in your early 20s. By your 30s, which is when many people get serious about retirement, the % goes up to 20%, and if you're in your 40s....that number is unfortunately over 25%. You simply don't have as much time for your money to grow.
And based on the fiscal state that our nation finds itself in with respect to debt and future entitlement payments, well, many, many promises are going to have to be broken. Whether it be private pension plans, municipal/state/federal pension plans, or entitlement programs....the money is simply not there. Don't believe me? Do a little reading on what's happening in Europe these days. Greece in particular. All sorts of promises are being broken.
Again, not trying to freak you out, but hoping to convey the seriousness of the situation. Wishing you the best on your journey!