Who can I go to for financial advice/planning?

you should start doing your quarterlys. Talk to an accountant, advice is usually free. Also you can possibly call the IRS and set up a payment schedule that fits your income level. Make sure you contact the IRS before the April 15th deadline, You don't want to have to pay any interest or a penalty on what you already owe. The IRS web site will be helpful in teaching you how to do your quarterlys. Never except advice about money or finance from someone who is no better off then you are. good luck to ya, you'll figure this thing out.