If you are looking for the liquidity of a savings account then ING I think is best. As to hiring a financial anaylst, unless you have significant amount I wouldn't bother. Most anaylsts can at best only give you a market return, obviously. Paying someone to do something you can do yourself for free is a complete waste of money.
If you're looking for a good resource theres 100's of books on the topic or you can just go to webpages like msnmoney and cnnfn.com.
It can get quite complicated with tax considerations but you sound young and I don't think you should be too worried about taxes(although I'm not all that familiar with US tax) from your investment income.
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