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Are you still licking your wounds after suffering big stock market losses? Looking for a safe investment in this tricky market? You're not alone.

After the brutal losses so many of us suffered in the market downturn, many investors -- especially those nearing retirement -- are looking for safer ways to grow their money. Today, the Dolans help a Walletpop reader make the most of her CDs without sacrificing safety.

Dear Ken and Daria,

I am 54-years-old and took a beating when the market nose-dived. My retirement funds are in shambles now and I am not getting back into the market at this late date. I would like your opinion on laddered CDs. I need something mega-safe.

--Patricia

For more advice on how to invest wisely and adjust your retirement planning in these tricky times, visit Dolans.com.