Critter#2, Thank you for your advice. You may not read the blog from very beginning. The Non-D mess I have is from our financial advisor. He perfectly fits what a blog said... "sales" instead of "advisor". We talked 3 CPAs. The 1st one said he didn't know Non-D issues (but his receptionist told us they knew how to do it). The other two conflicted each other. We are going to meet another 2 CPAs who said they know Non-D. I am determined not to talk to anyone before I have basic knowledge. Now, I am confident to find an appropriate CPA to handle the issue. I might have more questions after talking to them.
